Joshua Heckathorn

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Joshua Heckathorn

Joshua Heckathorn is a credit expert and has been featured on CNNMoney, FOX Business, Yahoo Finance, The Street, and many other national publications during the past twenty 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

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.

Is a Credit Card Crisis Next in Line?

The latest estimate I saw for US credit card debt stood at $915 billion. I don't know exactly where it stands today, but the number seems to rise 10 billion or so every time I hear it mentioned. It may sound like a familiar number to you as well, since it's a mere $15 billion more than the amount of consumer debt that drove the subprime mortgage meltdown earlier this year.

Financing A New Condo Purchase? Don't Call ING

"How can I save your money", answered the customer service rep. I responded and said, "By giving me a good rate on a home loan with low closing costs." He uttered a fake courtesy laugh in return. I did the same. I've been planning to call ING since a bright orange postcard arrived in the mail a few days ago marketing the popular Orange Mortgage. Low closing costs and a 5.25% rate sounded pretty good, and since I'm in the market for a new place, I thought I would check it out.

Arbitrage Strategy for HELOCs

arbitrage Real estate values continue to do a big cannonball in the deep end, and some lenders are trimming their exposure to home equity by shutting down idle lines of credit on their books.