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Michelle Black

Contributing writer


  • Founder of
  • Shares over 19 years of experience as a credit expert
  • Featured in FICO, Experian, Forbes, U.S. News & World Report and Reader's Digest, among others


Michelle Lambright Black is a credit expert with over 19 years of experience, a freelance writer and a certified credit expert witness. In addition to writing for Bankrate, Michelle's work is featured with numerous publications including FICO, Experian, Forbes, U.S. News & World Report and Reader’s Digest, among others. She specializes in credit reporting, credit scoring, the intersection of credit and financing (business, mortgages, credit cards, loans), budgeting and identity theft. 

Michelle is also the founder of—a blog that aims to help people take charge of their credit and finances so they can lead happier, less stressful lives. She’s a firm believer that everyone deserves a second chance (or a 20th chance) when it comes to money management, and that any credit situation can be improved with the right plan and hard work.

When she isn’t writing or speaking about credit and money, Michelle loves to travel with her family. She also enjoys taking Tae Kwon Do classes with her children. Michelle, her son, and her daughter all hold first-degree black belts.

Michelle's latest articles