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 2020

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 …


Fictitious Name: What is an Assumed Business Name?

As a business owner, choosing the right company name is one of the most important items on your to-do list …


What Is Net 30?

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


Self Employment Income and Taxes

There are many differences between being self-employed and working for someone else. However, the taxes you owe the federal government …


Profitability Ratios: Types of Profitability Ratios and Why they Matter

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