Michelle Black, Founder of CreditWriter.com and HerCreditMatters.com, is a leading credit expert, author, writer, and speaker with over a decade and a half of experience in the credit industry. She is an expert in credit reporting, credit scoring, financing (mortgages, credit cards, loans), debt eradication, budgeting, saving, and identity theft. She is featured monthly at credit seminars, podcasts, and in print. You can connect with Michelle on Twitter (@MichelleLBlack) and Instagram (@CreditWriter).
Federal law offers you protections from credit card fraud and unfair billing practices. Learn how the Fair Credit Billing Act can help you.
What are credit reports? Who creates them? When did credit reporting even begin? Learn the answers to all of these questions and more.
What's the best way to protect your credit reports from identity thieves? Is a credit freeze or a credit lock the way to go?
Fraud alerts are protective measures you can take to help prevent identity theft, requiring companies to verify your identity before extending new credit.
A popular online theory suggests that 609 dispute letters might be the answer to your credit problems. Does this "credit repair secret" live up to the hype?
UltraFICO is a new credit scoring model set to take effect in 2019, giving consumers the ability to add financial information that may boost their scores.