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Michelle Black

Michelle Lambright Black, Founder of CreditWriter.com and HerCreditMatters.com, is a leading credit expert with over a decade and a half of experience in the credit industry. She’s an expert on credit reporting, credit scoring, identity theft, budgeting, and debt eradication. Michelle is also an experienced personal finance and travel writer. You can connect with Michelle on Twitter (@MichelleLBlack) and Instagram (@CreditWriter).

Articles by Michelle Black


7 IT Equipment Financing Options in 2022

The right IT equipment can make a world of difference in many businesses. It can help your company run more …


Salon Equipment Financing for 2020

Finding the best equipment financing option for your salon, spa, or barber shop can be a chore. So, we’ve put …


Gym Equipment Financing

Opening a gym can be an exciting adventure as a business owner. Once you’ve found the perfect location, it’s time …


How to Remove Hard Inquiries From Credit Reports

Your credit reports are filled with data about your credit obligations and how you manage them. What you might not …


ACH Loans: What is an ACH Loan?

As a business owner, you may have heard the term ACH before. You might accept ACH transfers as a payment …


What Is Net-30?

At the basic level, net-30 refers to the time frame in which the full amount must be paid by a …


Profitability Ratios: What They Are, Types, How to Use, and Importance to Businesses

There are numerous financial metrics you can use to monitor the success of your business. If you’re not currently tracking …


Profit and Loss Statement (P&L) Definitions & Examples

A profit and loss (P&L) statement is a report that details a company’s revenue and expenses over a period of …


4 Ways to Work on Your Business Credit in 2022

You have big goals for your company in 2022. Growth, higher profits, and a better online presence might be at …