Sheiresa Ngo Gravatar

Sheiresa Ngo

In Personal Finance

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.

Should You Pay for a Costco Membership?

Personal Finance

Should You Pay for a Costco Membership?

Should You Pay for a Costco Membership?

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Costco Anywhere Visa Card by Citi. Disclosure: Cards from our partners are mentioned below.] Shopping at a warehouse store, such as Costco, can feel like a magical treasure hunt. The entire store is yours for the picking, and... Read More

12 Jobs Working With Animals (That Actually Pay Pretty Well)

Personal Finance

12 Jobs Working With Animals (That Actually Pay Pretty Well)

12 Jobs Working With Animals (That Actually Pay Pretty Well)

“When I grow up I want to be a veterinarian,” some children say when you ask about their dream job. Of course, considering the level of schooling this career requires, coupled with the student loan costs and the level of commitment, that changes for some people once they become adults. But the love for animals... Read More

10 Tips for Surviving an Office Romance Breakup

Personal Finance

10 Tips for Surviving an Office Romance Breakup

10 Tips for Surviving an Office Romance Breakup

Breakups are hard. They’re even harder when the person you broke up with works with you. Now, you have to adjust to working with someone to whom you used to be very close. Unfortunately, your days will be filled with awkward encounters and whispers around the water cooler. Your once blissful union used to give... Read More

What to Do When Your Co-Worker Throws You Under the Bus

Personal Finance

What to Do When Your Co-Worker Throws You Under the Bus

What to Do When Your Co-Worker Throws You Under the Bus

You will encounter many different types of conflict in the workplace throughout your career. At any moment, you could become the victim of a co-worker waiting to stab you in the back, steal your award-winning idea, and then when you least expect it, throw you under the bus. Some employees will go to great lengths... Read More

How to Fight With Your Boss Without Losing Your Job

Personal Finance

How to Fight With Your Boss Without Losing Your Job

How to Fight With Your Boss Without Losing Your Job

No matter how great things are going at work, there may come a time when you and your boss disagree and tempers start to flare. How you handle the situation could greatly impact your future with your employer or even your long-term career prospects. While you may want to get exceptionally angry at your boss, that’s... Read More

4 Inexpensive Ways to Boost Your Home’s Value

Mortgages

4 Inexpensive Ways to Boost Your Home’s Value

4 Inexpensive Ways to Boost Your Home’s Value

If you’re planning to sell your home, you’re likely looking for ways to boost its value. The more money you can make from your home’s sale, the better. However, you may have been hesitant to perform some much-needed upgrades due to the cost. Fortunately, there are some adjustments you can make to your home that won’t break the bank. Here... Read More

The Sleep Habits of Successful People

Personal Finance

The Sleep Habits of Successful People

The Sleep Habits of Successful People

Have you ever wondered about the sleep secrets of wildly successful people? Wonder no more, we’ve got some tips you can start using today. A few simple changes to your sleep routine could help you be more productive, think better and make better decisions. Sleeping like a champion is nothing to take lightly. A good night’s... Read More

3 Money Mistakes You Might Make After a Breakup

Personal Finance

3 Money Mistakes You Might Make After a Breakup

3 Money Mistakes You Might Make After a Breakup

Breakups aren’t fun. One thing that can make a divorce even less enjoyable is dealing with the financial complications that often come along with it. Many couples don’t pay enough attention to the impact a divorce can have on personal finances. However, not taking care of the details can mean big trouble for your financial health... Read More

Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

Hello, Reader!

Thanks for checking out Credit.com. 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 Credit.com 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, TheStreet.com, 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 Credit.com 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 Credit.com 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 Credit.com, 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 Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com 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 Credit.com are also able to register for a free Credit.com 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, Credit.com 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 Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com 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 Credit.com Editorial Team