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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


Federal Unemployment Taxes 2022 & 2023: What Are FUTA Taxes and How to Calculate Them

Small business owners carry a lot of responsibility on their shoulders. If your business has employees, payroll is one of …


Buying a Commercial Real Estate Property For Beginners: Step-by-Step Guide

Commercial real estate has the potential to be an excellent investment, often more so than residential properties. Yet even if …


How to Use Business Credit to Buy Real Estate

Business Credit In Real Estate With many types of investment property loans, lenders check your personal credit reports and scores …


How to Find an Apartment Loan

Buying an apartment building isn’t the same as purchasing smaller investment properties. The payoff can be higher (assuming your investment …


Rental Property Mortgage Rates — What to Expect

Buying a rental property isn’t always an easy process. To become a landlord, there are a lot of responsibilities you’ll …


How to Become a Landlord: 11 Steps

Owning a rental property can be a great way to earn money. Perhaps you want to create a new stream …


Cash Flow Statement Template

A cash flow statement is a report that tracks the money that flowed into and out of your business over …


What Is an Income Statement?

An income statement provides an at-a-glance summary that shows whether your business is earning a profit or losing money. Download …


Income Statement and Balance Sheet Examples

Income statements and balance sheets are reliable ways to measure the financial health of your business. Click below to download …