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

IRS Says Credit Card Sign-Up Bonuses are Taxable

Before you begin cursing the IRS for trying to dig even deeper into your pockets, let me make it clear that the tax law hasn't changed. Traditional rewards earned by making purchases with credit cards are still considered tax-free. You can rack up as many points as possible on your purchases without worrying about a 1099-MISC for the value of the rewards mysteriously showing up in the mail.

Ask Creditnet: Will Employers Pull My Credit Scores?

Dear Creditnet: I lost my job a year ago and have been unable to find full-time work ever since. I've also fallen behind on my bills during the past 6 months, which has really trashed my credit scores. I think my FICO scores are now below 600. I've heard that employers can pull credit scores when reviewing a job application. Is this true? If it is, this may be one reason I keep getting turned down for new jobs. Is there any way to avoid this?

Discover More Extends $0 Balance Transfer Fee Deal Through February

I blogged about the Discover More Card - $0 Balance Transfer Fee deal when it was first launched just after the new year. At the time, Discover wouldn't say anything more about how long the deal would last other than it was a "limited-time offer". What credit card offer isn't, right?

Ask Creditnet: Minimum Payments and 0% Interest Credit Cards

Dear Creditnet: I have a new rewards credit card that offers 0% interest for 12 months. My plan is to transfer all my existing credit card debt to this card so I can save on interest in 2012. Do I have to make minimum payments at all during the first year, or can I just save up my money and make a one-time payment in full before the 0% interest promotion ends?

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