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

Chase Sapphire Preferred: 50,000 Bonus Now a "Limited Time Offer"?

In May of 2011 the Sapphire Preferred® Card began offering 50,000 bonus points to new cardholders who spent $3,000 within the first 3 months. Chase has been running this same promotion ever since, but the strange thing is we recently received notice that the wording "Limited Time Offer" must be inserted into their marketing copy. I'm not exactly sure what the reasoning is for the change or if this promotion will end very soon, but what I can say is I've actually been surprised the deal has been running for so long. Most deals like this don't last for almost a year, so I wouldn't count on it lasting much longer in 2012. In fact, word on the street is that it may get pulled sometime before the 2nd quarter. So why should you care?

Ask Creditnet: I'm a Disabled Vet - Who Can Help Me Fix My Credit Problems?

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Dear Creditnet: I am a disabled veteran who ran into a lot of financial trouble and really messed up my credit reports. Long story short, I basically went crazy and stopped paying my bills because I thought I was going to die every day. Now, my actions just haunt me every day with horrible credit.

I am married with two children and one on the way, and I am nervous that my bad credit is bringing my family down. My wife has good credit and a great job so I feel like I am the only one holding us back. Please, is there an agency or someone who can help me fix my credit problems?

Richard Cordray is In: Watch Out Payday Lenders!

Richard Cordray President Obama took the opportunity yesterday, while lawmakers were on recess, to appoint Richard Cordray as the Consumer Financial Protection Bureau's (CFPB) first director.  The move is sure to ruffle a lot of feathers among Republicans in Washington D.C., but apparently Obama was sick and tired of watching the CFPB sit on the sidelines making suggestions that no one was obligated to listen to. They'll be a lot of partisan bickering regarding Obama's actions over the next few weeks, but I don't think most Americans really care about that.  The fact is Cordray is in, and he's probably not going anywhere for awhile.

Discover More Card Launches No Balance Transfer Fee Deal

The Discover More Card - $0 Balance Transfer Fee deal is back! We saw this promotion go live in 2011 around the same time, but it really didn't last that long. And like last year, this deal is once again hitting the marketplace for a limited amount of time. So, if the holiday credit card bills are already rolling in and you're afraid you might have to carry a balance on one of your cards for a few months before paying it off in full, you might want to check out this offer right away and save yourself some money on interest.  With no annual fee, 0% interest and no balance transfer fee, the card really does offer the opportunity to get a completely free loan from Discover for the next 12 months. In addition to the $0 balance transfer fee, here are some of the other highlights of the Discover More Card:

10 Ways to Destroy Your Credit in 2012

I think I might vomit if I have to read one more "10 steps to financial freedom in 2012" blog post. They all say the same things.  Make a budget, track every penny you spend, build an emergency fund...blah, blah, blah! Don't get me wrong.  Those are each important parts of personal finance, but aren't you bored of reading the same old stuff?  I certainly am.  So I'd like to take a different spin on things for my first post of 2012. Want to destroy your credit this year?  Here's 10 ways to make it happen:

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