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

Discover and Amex Ditch Credit Card Over-Limit Fees

August 12th, 2009 by Joshua Heckathorn

If you've ever been the victim of a fat $35 fee for exceeding your credit card limit by a few bucks, now is the time to get up and bust out your best happy dance.  That is, if you happen to carry a Discover or Amex credit card in your wallet.

Auto Loan Rejection: Great Credit, but Insufficient Credit Mix

August 9th, 2009 by Joshua Heckathorn

A friend of mine from Southern California (let's call him Alex) recently left me a voicemail claiming to have a few questions about credit. When I caught up with Alex a few days later, he was quite upset because he had just been rejected for an auto loan from the national bank he's frequented for years.

He had his heart set on purchasing this car, and he just couldn't figure out why the bank would decline his loan. He even tried a different bank where he had some family connections; however, the result was the same - declined due to "insufficient credit mix".

"Stuck at Stupid"

July 21st, 2009 by Joshua Heckathorn

A friend of mine recently sent me the following quote by Lou S. Barnes, an owner of a Colorado mortgage bank named Boulder West Financial Services.

It gave me a good chuckle, so for those of you that haven't already come across his remarks elsewhere, I thought I would share what Mr. Barnes had to say about the current home lending environment.

Pay off Student Credit Card Debt or Pad the 401K?

July 14th, 2009 by Joshua Heckathorn

Millions of young college graduates are finding themselves trapped in the worst job market since the early 1980s. And it's been quite the wake-up call for a generation that's frankly had it pretty easy to this point.

New Rules Restrict Credit for Students

June 10th, 2009 by Joshua Heckathorn

You can buy cigarettes, porn, lotto tickets, and even a gun when you turn 18. Of course, you can vote and join the military without parental consent as well. But according to new rules recently signed into law by President Obama, you're not responsible enough to use a credit card without getting mommy or daddy's signature first.

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