Michelle Black

Michelle Lambright Black, founder of CreditWriter.com and HerCreditMatters.com, is a leading credit expert with over a decade and a half of experience in the credit industry. She’s an expert on credit reporting, credit scoring, identity theft, budgeting, and debt eradication. Michelle is also an experienced personal finance and travel writer. You can connect with Michelle on Twitter (@MichelleLBlack) and Instagram (@CreditWriter).

Articles by Michelle Black

How to Consolidate Credit Card Debt in 8 Steps

High credit card balances and expensive interest fees are a combination that can overwhelm any budget. If you currently owe more money on credit cards... read more

What is a Good Credit Score?

When you apply for new financing, like a personal loan or credit card, the lender has to determine whether you will be likely to repay... read more

Is a Debt-Free Lifestyle Possible for You?

A life free from debt requires careful planning, a lot of work and even a little luck. Depending on your financial situation, a debt-free lifestyle... read more

Credit Counseling vs. Debt Consolidation: How They Work And Differ

Credit counseling is when you work one-on-one with a financial professional who can help you better manage your debt and negotiate with creditors on your... read more

Need a Personal Loan? Here’s How to Find Loans and Apply

A personal loan is a flexible financing option, allowing you to get cash for major purchases, to consolidate or refinance debt or something else. Traditional... read more

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