Michelle L. Black

Michelle L. Black


Michelle Black is a credit expert with over 16 years of experience in the industry and a freelance writer. She specializes in credit reporting, credit scoring, financing (mortgages, credit cards, loans), debt eradication, budgeting, saving, and identity theft. Michelle is also the founder of CreditWriter.com and HerCreditMatters.com—a blog aimed at helping women support each other as they take charge of credit, money, family, and parenting issues in a safe, judgment-free space. She holds a Bachelor's of Arts in Spanish and French from Winthrop University. When she isn't writing about credit and money, Michelle enjoys traveling with her family and taking Tae Kwon Do classes with her two young children. She and her son currently hold first-degree black belts and her daughter is scheduled to join them, earning her black belt as well within the year.

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Articles & Recipes

Dynamic Pricing: Which Stores Use It and How Does It Work?

You pay more for things based on when (and how) you buy them, thanks to a practice known as dynamic pricing.

Budget Grocery List: 60+ Foods That’ll Keep Your Grocery Bill Low

Inflation may be starting to decrease, but experts still expect grocery prices to increase 7.5% in 2023. Follow these tips for a budget grocery list to get the most for your money.

7 Off-Brand Foods Worth Buying (and 3 That Aren’t)

Off-brand foods could help you stretch your grocery budget. Here's how to shop for store-brand groceries without sacrificing quality.