THE BIG PICTURE
Michelle Lambright Black is a nationally recognized credit expert, financial journalist, and editor with more than 20 years of experience covering consumer credit, lending, debt, and money management. Her work helps consumers understand how credit reporting and scoring systems operate and how to use that knowledge to make informed financial decisions.
Before becoming a full-time freelance journalist, Michelle spent more than a decade working directly with consumers, attorneys, and small business owners on credit analyses, debt resolution strategies, and compliance-sensitive credit issues. She now applies that expertise to her writing for national outlets including Experian, FICO, Forbes Advisor, Buy Side from The Wall Street Journal, USA Today Blueprint, Reader’s Digest, LendingTree, Bankrate, Yahoo Finance, Business Insider, CNN Underscored, and others. She is also the founder of CreditWriter.com, an award-winning personal finance and credit education platform.
In addition to her editorial work, Michelle presents credit and financial education workshops and speaks at credit and finance industry conferences on topics such as credit reporting accuracy, scoring models, and consumer protection laws. Her combination of subject matter expertise, real-world experience, and clear communication has positioned her as a trusted industry leader in consumer credit education.
EDUCATION
BA, Spanish and French | Winthrop University, summa cum laude
IN MICHELLE’S OWN WORDS …
I write about credit because it shapes everyday financial decisions, yet most consumers never learn how the system works. I focus on explaining how credit data flows, how scoring models evaluate it, and how lenders use it to make decisions.
Clear, accurate financial education helps people ask better questions, spot problems earlier, and take control of their financial choices. That belief guides everything I write and teach.
