Discover how long it may take to receive your tax refund in 2023.
- Credit cards
- Founder of CreditWriter.com
- 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 CreditWriter.com—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
3 min read Jan 12, 2023
Follow these steps to improve your credit score over time.5 min read Jan 11, 2023
When it comes to length of credit history, older is better. Discover how credit scoring models like FICO and VantageScore consider your age of credit.5 min read Dec 05, 2022
Here are some perks to enjoy when you use this Amazon credit card to pay for your holiday purchases.4 min read Nov 18, 2022
Student loan forgiveness for teachers is available in a few forms.5 min read Oct 14, 2022
Knowing what impacts your FICO score is key to improving your credit. Here are the top five factors that lenders pay the most attention to.5 min read Aug 15, 2022
Credit emergencies can lower your FICO score if you’re not careful. Learn how you can protect your credit score from the unexpected.4 min read Aug 08, 2022