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

Use 'Em or Lose 'Em

Most people don’t think of credit cards as a terribly exciting topic of conversation. When was the last time you were hanging out with a bunch of friends and felt an overwhelming urge to brag about how many “ThankYou” points you banked with your CitiCard this year? Probably not going to be the life of the party if that’s the best you can come up with. That is, unless you’re hanging out at my house.

Living Within Our Means

one-dollar I’ve received several emails lately from ‘Creditnetters’ expressing concern about their HELOCs getting frozen without much notice from lenders. Yes my friends, they can do it, and there’s not a whole lot you can do to fight it.

Control What You Can - Don't Worry About The Rest


As Thanksgiving approaches, I am reminded of how fortunate I am to live in this wonderful country. This is a great time to reflect on all of the good things in our life and to stop obsessing over the challenges that lie ahead.