Michelle Lambright Black

Michelle Lambright Black is a credit expert, freelance writer, and founder of CreditWriter.com, where she helps families and small business owners make smart decisions about credit, travel, and money. With more than 20 years of experience in credit and personal finance, she’s known for breaking down complex financial topics into practical, easy-to-follow guidance for everyday consumers.
Michelle’s work has been featured in Reader’s Digest, Parents, Forbes, USA Today, U.S. News & World Report, The Points Guy, Business Insider, Money, Experian, FICO, and many other national outlets. She’s a three-time finalist for the Best Personal Finance Freelancer award from the Plutus Foundation and has consulted as an expert witness in credit-related legal cases.
Passionate about helping readers unlock the value of good credit, Michelle also writes extensively about how to maximize credit card rewards, earn free travel with points and miles, and make strategic purchases that stretch every dollar further. When she’s not writing, she’s likely planning her next family trip or researching the best cashback offers on essentials.

Specialties

• Credit scores and credit reporting
• Consumer credit products (mortgages, loans, and credit cards)
• Small business financing
• Travel rewards and smart shopping strategies
• Family and multigenerational travel
• Debt management and financial planning
• Family finance and banking products
• Insurance

Achievements

• 20+ years of personal finance experience
• Work published by Forbes, USA Today, Parents, Experian, Money, and more
• Three-time Plutus Award finalist for Best Personal Finance Freelancer
• Founder of CreditWriter.com
• Expert witness in credit-related legal matters

Education

• Bachelor of Arts, Winthrop University

Michelle’s take on financial empowerment

“Good credit is a powerful tool. It can lower your borrowing costs, help you travel for free, and even unlock exclusive savings opportunities. I believe everyone deserves access to clear, reliable financial information that helps them build a better life—one smart decision at a time.”