Sheiresa Ngo

Specializes In:

Sheiresa is a Money & Career, Health & Fitness, and Style Writer. Prior to joining The Cheat Sheet, she spent some time in the book publishing and magazine worlds. Sheiresa is a lifelong learner. She is a certified credit counselor and holds a postgraduate certificate in financial planning from Boston University. She also holds a bachelor of science degree in psychology and a master of art degree in public communication from Fordham University. Sheiresa loves the color pink and a good cup of coffee.

Credit Tools

View All Posts

A cat sits in a woman's arms.
12 Jobs Working with Animals That Pay Good Money
Love the idea of working with animals, but don’t have the r... read more

September 16, 2020

Making Money

Costco membership seems great, but learn the benefits and drawbacks before you sign up.
Should You Pay for a Costco Membership?
[DISCLOSURE: Cards from our partners are mentioned below.] Shopp... read more

May 18, 2017

Budgeting and Saving Money

Has your office romance gone sour? Here's how to survive the breakup and keep your focus on work.
10 Tips for Surviving an Office Romance Breakup
Breakups are hard. They’re even harder when the person you brok... read more

February 13, 2017


Have you ever been in a situation where your co-worker throws you under the bus? If so, here's what you can do.
What to Do When Your Co-Worker Throws You Under the Bus
You will encounter many different types of conflict in the workpl... read more

December 6, 2016


There are some steps you can take that could either change the interviewer’s mind or lead to another opportunity. Here are three things you can do.
Didn’t Get the Job? 3 Things You Can Do to Change the Interviewer’s Mind
After months of searching for jobs, your dream company called you... read more

November 30, 2016


How to Fight With Your Boss Without Losing Your Job
No matter how great things are going at work, there may come a ti... read more

September 26, 2016

Uncategorized receives compensation for the financial products and services advertised on this site if our users apply for and sign up for any of them. Compensation is not a factor in the substantive evaluation of any product.

Hello, Reader!

Thanks for checking out We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline,, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of in general and they result in more traffic to us as well.

Our Business Model’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to are also able to register for a free account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Editorial Team