Joshua Heckathorn

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Joshua Heckathorn

Joshua Heckathorn was President of Creditnet, is a credit expert and has been featured on CNNMoney, FOX Business, Yahoo Finance, The Street, and many other national publications during the past ten years.  He received a Bachelor of Science in Management (Finance) from Brigham Young University's Marriott School of Business and earned his MBA from Seattle University.

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Recent Blogs

Ask Creditnet: Chargebacks on Recurring Payments

MasterCard credit card

Dear Creditnet: I have unsuccessfully tried to cancel my contract with an alarm company. Although my 3-year contract ended, I've been told I automatically signed up for another year because I didn't give them one month's notice. I did call 2 1/2 weeks in advance to cancel.

I believe these guys are unethical since they continue to charge my credit card every month, so what happens if I initiate a chargeback through my credit card company? Is that the only way to get them to stop charging my card?

It's Not Presidents Day

If you look at the Federal calendar, you won't find a holiday called "Presidents Day". This is because according to section 6103(a) of title 5 of the U.S. code, the law which defines holidays for Federal workers, today is designated as "Washington's Birthday". But, wait a minute. George Washington was born on February 22nd, 1732, so why wouldn't we celebrate his birthday on February 22nd? We used to; however, Congress decided in 1968 that it would be a good idea to create several three-day Federal holidays for the convenience of workers. Along with Washington's birthday, Memorial Day and Veteran's Day were each officially moved to Mondays in 1971. Genius.

Credit isn't Debt!

It's time for a bit of a Friday rant. I apologize in advance, but I get so tired of listening to people talk about credit as if it's synonymous with debt. It happens to be one of my biggest pet peeves, and I've heard it way too much lately, so I think it's about time I vent some frustration and set the record straight. Begin rant.

Ask Creditnet: How Fast Should I Pay Off My Car Loan?

Dear Creditnet: I want to improve my credit scores, but the only type of credit I have at the moment is a car loan. I haven't used credit cards in years. I have the ability to pay off my car loan early and save money on interest, but should I keep making payments for the entire life of loan to help boost my credit scores? I know that making more payments over time is probably better for my scores, but the interest rate on this loan is really high.

Credit Card Deals for Valentine's Day Flowers

You can't get away with skipping out on flowers for Valentine's day. So don't even try to talk yourself into believing the dinner reservation you managed to land at the fanciest restaurant in town is a good enough effort this year. Sorry—it's not. Show up to meet your date without flowers of some kind in hand, and you're special someone will most likely feel a bit slighted. Retailers are obviously in on the secret too, which is why a dozen roses can run somewhere close to $100 around Valentine's Day. Fortunately, if you whip out the right kind of rewards credit card to make your last-minute flower purchase online, you can make sure your wallet feels a bit of Valentine's Day love this year as well.

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