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Michelle Lambright Black on Muck Rack

Michelle Lambright Black

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Charlotte
As seen in: Forbes, Forbes Advisor, MSN, MSN Canada, The New York Times Magazine, Yahoo Life, Business Insider, Business Insider Singapore, Buy Side WSJ, USA TODAY Blueprint and
Covers:  Credit Reporting, Scoring, and Improvement Identity Theft Personal Finance Financing (Mortgages, Credit Cards, Personal Loans, Student Loans, Business Credit, etc.) Credit Card Rewards Travel
#Credit Expert, #FreelanceWriter, Credit & Finance Writer, #Travel #Writer, Expert Witness, #Speaker // Words in @myfico, @forbesadvisor, @thepointsguy, etc.
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What is fair credit, and what does it mean if you have it?

What is fair credit, and what does it mean if you have it?

Fortune — A fair credit score means you may struggle to get approved for financing and may be charged higher interest rates if you are approved. Here's what a fair score looks like and how to improve to a good credit score.
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What Is a Perfect Credit Score and How to Get One

What Is a Perfect Credit Score and How to Get One

Buy Side WSJ —
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I Used to Hate Annual-Fee Credit Cards - Here's Why I Was Wrong

I Used to Hate Annual-Fee Credit Cards - Here's Why I Was Wrong

slickdeals.net — Many people learn about the importance of their credit after making mistakes and rebuilding. My story is different. I was 20 years old when I started working in the credit intervention department at a local mortgage company. My job involved helping people who didn't qualify for a mortgage learn how to improve their credit situations.
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Is There Such a Thing as Guaranteed Approval for Bad Business Credit? | Nav

Is There Such a Thing as Guaranteed Approval for Bad Business Credit? | Nav

nav.com — Loan applications and bad credit are like oil and vinegar - they don't mix together well. Whether you're searching for a business loan or financing on the personal side, trying to find a lender who will let you borrow money with bad credit can be a frustrating process.
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Can Mortgage Lenders Discriminate Against Mothers on Maternity Leave? Here's What You Need To Kno...

Can Mortgage Lenders Discriminate Against Mothers on Maternity Leave? Here's What You Need To Kno...

money.com — Here's what you need to know about maternity leave discrimination.
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Chase Freedom® vs. Chase Freedom Unlimited®: A Side-by-Side Review

Chase Freedom® vs. Chase Freedom Unlimited®: A Side-by-Side Review

experian.com — This post references products from one or more of our partners. We may receive compensation when you apply through Experian's CreditMatch™ marketplace. All information, including rates and fees, are accurate as of the date of publication. The Chase Freedom® and Chase Freedom Unlimited® are two credit cards that sound similar but earn rewards in different ways.
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Divorce Can Seriously Hurt Your Credit Score - Especially If You're A Woman | Bankrate.com

Divorce Can Seriously Hurt Your Credit Score - Especially If You're A Woman | Bankrate.com

Bankrate — For many people, divorce is a difficult and painful experience to navigate. The process of dissolving a once-loving marriage, making new living arrangements and separating joint finances can be complicated. If you're a parent, dealing with custody issues can be even more of a challenge.
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How to Cancel a Credit Card Without Dinging Your Credit Score

How to Cancel a Credit Card Without Dinging Your Credit Score

Investopedia — You've heard the advice: Never cancel a credit card account or you could damage your credit scores. And while it is true that closing a credit card can be hard on your credit scores, that isn't always the case. Typically, it's best to leave your credit cards open, even if you're not using them.
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How to Get Approved for a Credit Card

How to Get Approved for a Credit Card

experian.com — It's no fun to apply for a credit card only to get denied. Here are a few tips to help set you up for success. 1. Check your credit score and report.
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How Your Credit Score Can Affect the Cost of Your Insurance

How Your Credit Score Can Affect the Cost of Your Insurance

The Points Guy — You've heard it before and you'll hear it again: Good credit is important. You also probably know that you need good or excellent credit to qualify for attractive credit cards and loans. But you might not realize that the condition of your credit can affect many other areas of your financial life as well, including ...
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I Tried Minimalism-and I Saved $150,000 in the Last 10 and a Half Years

I Tried Minimalism-and I Saved $150,000 in the Last 10 and a Half Years

rd.com — A minimalist lifestyle has more benefits than organized closets. Here's how one man embraced the idea of living with less and ultimately saved $150,000. Joshua Becker has long been a proponent of the benefits of minimalism.
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Here's What Can Happen If You Don't File Your Taxes

Here's What Can Happen If You Don't File Your Taxes

Yahoo Finance — April 15th, better known as "Tax Day," is the deadline the Internal Revenue Service (IRS) gives taxpayers every year to submit their tax returns-and it's right around the corner. But what happens if, for whatever reason, you don't file your taxes? To find out the answer, Reader's Digest spoke to tax experts.
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10 epic personal finance lessons from 'Game of Thrones'

10 epic personal finance lessons from 'Game of Thrones'

MSN — Check out these 10 personal finance lessons you can learn from watching (or reading) Game of Thrones
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2 New Ways To Raise Your Credit Score

2 New Ways To Raise Your Credit Score

Forbes — You're probably well aware that your credit score can have a big influence on your financial well-being, determining whether you'll qualify for a loan or credit card and the interest rate you'll pay.
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The Difference Between Credit Reports and Credit Scores

The Difference Between Credit Reports and Credit Scores

rd.com — Although people often use the terms interchangeably, the truth is a credit report and a credit score are not the same. noppawan09/Shutterstock Though they sound similar, credit report and credit score are two important but distinct components of your financial health.
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What affects your credit score?

What affects your credit score?

USA TODAY Blueprint — Credit scores are used by lenders to determine the risk of extending credit to customers. A number of factors will influence credit score, including total debts, payment history and more.
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What is a good credit score?

What is a good credit score?

USA TODAY Blueprint — A good credit score is typically one in the high 600s or above. Good credit can save you money by helping you qualify for better rates on financial products.
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4 Ways to Earn More Interest On Your Savings

4 Ways to Earn More Interest On Your Savings

Slickdeals — Earning the highest interest on your savings account requires a little research, but the payoff is typically worth the effort in the end.
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How to get a credit card with no credit

How to get a credit card with no credit

USA TODAY Blueprint — If you have bad credit or no credit, you can still get a credit card. Try a secured credit card or a student card, since both usually have flexible credit requirements.
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Best Ways To Get Out Of Credit Card Debt In 2024

Best Ways To Get Out Of Credit Card Debt In 2024

Forbes Advisor — With consumers facing higher prices and rising interest rates, it makes sense that credit card debt in the United States has been on the rise in recent months. According to the Federal Reserve, credit card balances reached an all time high in the third quarter of 2023-$1.08 trillion. Meanwhile, the
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