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Credit Expert

Michelle Lambright Black

Michelle Lambright Black 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).


Credit Card Debt Forgiveness 101: How to Ask Creditors to Forgive Debt
What Is an Excellent Credit Score?
What Is a Credit Bureau or Credit Reporting Agency?
Employer Credit Checks — How to Prepare for Your Next Job Application
FICO Score 10: Everything You Need to Know
Credit Card Processing Fees: How to Save Money for Your Small Business
What Does a Negative Balance on a Credit Card Mean?
What Is The Truth In Lending Act, and How Does It Protect You?
The Equal Credit Opportunity Act and How It Protects Borrowers
What Is a Security Deposit? A Definition and How to Avoid Them
How Your Debt-to-Income Ratio Affects Your Eligibility for New Credit
Does Buying Tradelines Help Credit Scores?
How Often Do Credit Scores Update?
How Long Does a Balance Transfer Take?
Delinquent Accounts – How to Avoid Them or Handle Them If They’re Already On Your Credit Reports
How Does Credit Card Debt Settlement Work and Is It Right for You?
Credit Card Chargebacks – How to Get Your Money Back
The Fair Credit Reporting Act (FCRA) and Your Credit Reporting Rights
Payday Loans: How They Work and Why They’re Usually a Bad Idea
Charge-Offs: How They Work and How They Affect Your Credit
Lines of Credit – How They Work and How They Affect Your Credit Scores
Federal Reserve Interest Rate: How It Works and What It Means for You
What Is a Cash Advance? A Definition and Why You Should Avoid Them
What Is a Deferred Interest Financing Offer?
What Is a Finance Charge and How Do I Avoid It?
Does Getting Denied for a Credit Card Damage Your Credit Scores?
Why Did My Credit Scores Drop? Common and Uncommon Reasons
Statement Balance vs. Current Balance: What Should You Pay?
How Many Types of Accounts Should I Have on My Credit Reports?
Credit Score Ranges — Good, Bad, and Excellent
How Do Public Records Impact My Credit? Bankruptcy, Judgements, and Tax Liens
What Is a Credit Limit and How Does It Affect Your Credit Scores?
What Is Creditworthiness? A Definition and Explanation
What Is Revolving Credit? A Definition and How It Works
What Is the Fair Credit Billing Act (FCBA) and How Does It Protect You?
What Is a Credit Report? Important Definitions and How Data Is Gathered
Credit Locks vs. Credit Freezes — What’s the Difference?
How to Place Fraud Alerts on Your Credit Reports
Do 609 Dispute Letters Actually Help? Explanation and Sample Letter
What Is UltraFICO? Giving You a Voice in Credit Scoring
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