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

Ask Creditnet: Best Balance Transfer Credit Card?

Dear Creditnet: It looks like the longest 0% interest credit card promotion available right now is for 18 months. Are there any credit cards out there offering something longer? I have some old credit card debt I want to pay off at 0% interest, but I'll probably need about 24 months to get it paid off completely and I don't want to deal with transferring the balance twice. What do you recommend?

- Leslie H. from WA

How to Choose the Best Balance Transfer Credit Card

Credit card companies desperately want the opportunity to just get a place in your wallet.  In fact, they're often willing to offer free money in the form of 0 percent interest credit cards and sign-up bonuses in hopes that they can convince you it'll be worth giving their new card a try. In addition, credit issuers know that many Americans are making a continued effort to pay down high-interest credit card debt, and one of the best ways to do that is by transferring old balances to no interest credit cards in order to pay off the debt while avoiding unnecessary interest charges. That's why you will always find a significant number of competing offers when comparing 0 percent interest credit cards online. Demand is high!

Tired of Secured Credit Cards? Take Your Credit To the Next Level

Secured credit cards are a great way to rebuild credit for those who want to avoid the higher fees and interest rates that often accompany unsecured credit cards for bad credit.  But what's the next step on the path to excellent credit after you've managed to pull your FICO scores out of the dump and into the average credit range? You really shouldn't use a secured credit card for one day longer than you absolutely must. Unfortunately, many people tend to hang onto them for way too long because they're worried about using unsecured credit again. This is a mistake and will only cost you more time and money as you work to get your credit scores back where you want them.

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Is Credit Card Approval Ever Certain?

The time has come to ditch the old debit card and add a new rewards credit card to your wallet, but how can you be certain you'll get approved for the card you want? Is it even worth your time to fill out the application? I get these questions quite often from readers, and the answer is a simple one. There's absolutely no way to know. However, you can certainly improve your chances of getting a big thumbs up from the credit card company by making sure you know where your FICO credit scores stand before completing a card application. Once you pull your FICO scores and determine where you fall in the bad, fair, good or excellent credit range, you can then make a better decision regarding which credit card offers would be the best fit for your credit profile. Unfortunately, you're not entitled to free FICO scores each year like you are free credit reports, so you may have to settle for an estimate from a site like as CreditKarma if you're not willing to shell out cash for your scores.