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

Consumers Pay the Price of Loyalty

I confessed in an earlier post, "Use 'Em or Lose 'Em", my obsession with stockpiling reward points and airline miles. There's just something strangely comforting about hoarding hundreds of thousands of points and miles to redeem whenever the urge arises.

The problem is all these points seem to be losing value faster than my stock portfolio lately! And it looks like reward programs will continue to be a prime target for more aggressive cuts in 2009. So, if you've been hoarding points for years in preparation for that "big-ticket" purchase, it's time to rethink your strategy.

Hackers Outsmart Heartland

Heartland Payment Systems, one of the largest credit card processors, recently announced a security breach that may end up putting the TJX fiasco to shame.

Will Credit Card Reform Make it on Obama's Long To-Do List?

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Update: On May 22nd 2009, President Obama signed the Credit CARD Act of 2009 into law, which includes a Credit Cardholders' Bill of Rights.

Cavalli's Cure for the Credit Crunch

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A name I don’t see too often in articles about credit and debt caught my eye today while skimming through RSS feeds. Roberto Cavalli, the world-renowned designer and master of animal prints, recently announced he has taken his mission to “create a planet” around the Cavalli brand to a whole new level.

2009 Brings a New FICO Score

Not only has the credit crunch made it more difficult to obtain practically all types of credit, but Fair Isaac, developer of the well-known FICO score, has also announced the biggest change to their credit scoring model since 1989. So, prepare yourself now, because it will be more important than ever in 2009 to understand how everyday financial decisions will affect your credit score.

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