Providing Engaging and Accurate Credit Content to Build the Credibility of Your Brand in a Highly Competitive Market


Expert Credit and Financial Content

The internet is full of bad credit and money advice, even from many so-called experts. Michelle Black's 16+ years of experience in the world of consumer credit and personal finance makes her uniquely qualified to deliver content which is not only highly accurate, but also engaging. 

Ghostwriting Services

Do you want to build the credibility of your brand or establish yourself as an expert in your field? Professional ghostwriting services can help you to achieve this goal even if writing isn't your "thing" or if you find yourself simply too busy to create the credit content you need on your own. 

Freelance Writing Services

Do you want to drive more traffic to your website? Need accurate, engaging content to help improve SEO? I love to create expert, original content which not only drives traffic (SEO-rich) and entertains (low bounce rates), but also genuinely helps people. 

A Note from the Writer

“I am a firm believer that everyone deserves a second chance (or even a twentieth chance for that matter), especially when it comes to credit and financial mistakes. This is one of many reasons why my career in the credit industry turned out to be a perfect fit. Since I was a little girl I have loved to write and create stories. In 2002, I was fortunate to find my way into a career which allowed me the opportunity to help people who had experienced financial problems and were consequently suffering the effects of damaged credit. I originally had planned to be a Spanish translator, so this unforeseen change of course in my career path turned out to be a pleasant surprise, one which happily allowed me to embrace my love of writing as well.  

In my experience, consumers can overcome financial adversity when given the correct tools and information. Through my work with credit-challenged consumers, I became an enthusiastic student, devouring every piece of reliable information available on the subjects of credit reporting, credit scoring, credit improvement, credit risk, and much more. I have been fortunate to participate in approximately 15 intensive credit training events where I have been certified as a credit expert over a dozen times. During my 16+ years working in the credit industry I have never stopped studying the subject of credit. The world of credit is constantly changing and evolving. I firmly believe in order to remain a relevant and reliable source of expert credit advice, the constant study of my craft is imperative.

Teaching others how to properly manage their credit is one of my favorite things to do. I genuinely enjoy writing credit education articles, speaking at events, and creating videos which share the secrets of earning better credit and building a better life. I love to create original, reliable credit content for companies who share my desire to educate others about the value of working hard to earn great credit. Whether a company wishes for me to come up with my own topics or follow specific directions, I am a perfect fit.”

~Michelle Black

Over 16 Years of Experience Writing and Speaking about:

  • Credit Reporting and Scoring

  • Personal Finance

  • Identity Theft (Prevention and Recovery)

  • Credit Improvement

  • Business Credit and Loans

  • Credit Cards

  • Financing Products (Student Loans, Mortgages, Auto Loans, Personal Loans

  • Budgeting and Frugality

  • Parenting

  • Travel

  • And Much More

“I've worked with Michelle Black for over 5 years. Michelle is easy to work with and an excellent writer. She is knowledgeable about credit and financial subjects and creates content which is both accurate (very important in the credit world) and engaging for consumers. She communicates well, is responsive whenever I need to reach her, and consistently completes projects by the deadline given. I highly recommend Michelle.”
~John Ulzheimer, Credit Expert,

“Michelle brings knowledge, experience and compassion...each and every time! Her expertise is priceless. If you need expert advice on credit restoration or optimization, you will not find anyone more dedicated or valuable to your efforts than Michelle!”
~Olan Carder, Fairway Mortgage