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

Buy Me Some Beer, and Then Cosign My Credit Card

What's a college student to do when he's not old enough to buy a six pack of his favorite brew? He simply asks his older frat brother to buy it for him, of course. And now that the CARD Act restricts anyone under 21 from acquiring a credit card without an adult cosigner or proof of ability to pay, students are using the same old tactic in order to skirt the intent of the law.

Citi 2G Credit Cards Coming Soon

Citi 2G Credit Card Dynamics Inc., a developer and manufacturer of advanced payment devices, recently took best of show at Finovate Fall 2010 when they announced their partnership with Citi and the launch of a new credit card that allows consumers to redeem rewards right at the cash register.

Ask Creditnet: Is My Credit Card Reporting Correctly?

[caption id="attachment_1773" align="alignleft" width="300" caption=" "]Ask Creditnet: Credit Card Advice from Industry Experts[/caption]

Dear Creditnet: I'm a cosigner on my son's credit card. I know, that may have been a mistake in the first place.

Recently, I pulled my credit report and found out that the account was maxed out, closed in March of last year, and then reported late for six months before he started making payments again. The account status is currently listed as "Pays As Agreed."

Ask Creditnet: Must My Son Relinquish His Credit Card?

 Dear Creditnet: My son has had his own credit card since his 18th birthday. He is a now a 20-year-old college student, has never carried a balance, and uses his credit sparingly. We taught him well. Under the new credit card laws, will he be required to relinquish his credit card because he will not be 21 until 2011? Answer: It's always nice to find a parent that actually understands the value in teaching their children how to responsibly manage credit from a young age. Unfortunately, parents like you are few and far between. Believe me, your son has an enormous head start on most of his college-age peers.

MasterCard's inControl: Would You Use it?

These are strange economic times we live in. I've heard others refer to it as the "new abnormal", alluding to the fact that their guess about where our economy's headed is basically as good as anyone's. And I have to agree—nothing seems to make sense anymore. People are walking away from their homes yet still vacationing and buying up the latest expensive Apple gadgets. Unemployment continues to hover around ten percent, yet I can't ever find a parking spot at the local mall. And the stock market...well, it's all over the place. Absolutely nuts! Federal Reserve Chairman, Ben Bernanke, may have said it best when he declared in July that our economic outlook is "unusually uncertain." Way to go out on a limb there Mr. Bernanke.  I don't know about you, but I've felt unusually uncertain for almost two years now.

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