Michelle Lambright Black
Contributing Writer
24years covering personal finance
12+ articles on LendingTree
Work published by Forbes, USA Today, Parents, Experian, Money and more
Three-time Plutus Award finalist for Best Personal Finance Freelancer
Specialties
Credit scores and credit reporting
Consumer credit products (mortgages, loans and credit cards)
Small business financing
Travel rewards and smart shopping strategies
Family and multigenerational travel
Debt management and financial planning
Family finance and banking products
Insurance
Education
Bachelor of Arts, Winthrop University
Michelle Lambright Black is a credit expert, freelance writer and founder of CreditWriter.com, where she helps families and small business owners make smart decisions about credit, travel and money. With more than 20 years of experience in credit and personal finance, she’s known for breaking down complex financial topics into practical, easy-to-follow guidance for everyday consumers.
Michelle’s work has been featured in Reader’s Digest, Parents, Forbes, USA Today, U.S. News & World Report, The Points Guy, Business Insider, Money, Experian, FICO and many other national outlets. She’s a three-time finalist for the Best Personal Finance Freelancer award from the Plutus Foundation and has consulted as an expert witness in credit-related legal cases.
Passionate about helping readers unlock the value of good credit, Michelle also writes extensively about how to maximize credit card rewards, earn free travel with points and miles and make strategic purchases that stretch every dollar further.
Michelle’s take on financial empowerment
Good credit is a powerful tool. It can lower your borrowing costs, help you travel for free and even unlock exclusive savings opportunities. I believe everyone deserves access to clear, reliable financial information that helps them build a better life — one smart decision at a time."
