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

Experian Ends Partnership with Fair Isaac

Unless Experian and Fair Isaac can figure out a way to reignite the fire in their marriage before Valentine's Day, we will no longer have the ability to access FICO scores based on Experian data. Creditnet.com received notice last week that Experian sent a termination letter to Fair Isaac in mid January that will apparently end the rocky relationship between the credit bureau and the developer of the 800-pound gorilla of credit scores. Equifax and TransUnion FICO scores will still be available at www.myfico.com; however, Experian FICO scores will no longer be accessible from myFICO or anywhere else for that matter.

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.

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