Kelly Dilworth

I'm a former staff reporter at I began my career in journalism at The Atlantic in 2007, then detoured into nonfiction book publishing for several years. I returned to journalism in 2010 and since then have written about everything from 20-somethings with Herculean credit scores to the Federal Reserve's monetary policy decisions. I hold a degree in liberal arts from Sarah Lawrence College and live in Columbus, Ohio.

Posts by Kelly Dilworth

Living with credit, Protecting yourself, Research, regulation, industry reports

Why schools should teach financial literacy

Learning about personal finance may be the most important subject you didn’t study in high school. That’s not just me speaking from personal experience. That’s the finding of a recent survey by the National Financial Educators Council, which asked more…
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Living with credit, Rewards, Shopping, Travel

My rewards are costly, so I’m giving them away

For years, I thought of cash back and point rewards as a convenient way to trim my spending and score clothes, supplies and occasional luxuries, such as massages, for free. But as I combed through my spending history recently in…
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New products, Protecting yourself, Research, regulation, industry reports

CFPB takes a closer look at alternative credit data

The Consumer Financial Protection Bureau (CFPB) is weighing relaxing federal regulations to allow more lenders to consider nontraditional information when weighing a consumer’s creditworthiness. As part of its review, the CFPB is seeking public feedback on the benefits and risks…
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Living with credit, Protecting yourself

Feel powerless over finances? You’re likely to overspend

People are more likely to spend impulsively if they don’t think they have much control over their financial destiny, new research finds – and my own recent experience lends support to this. Conversely, people who are confident in their ability…
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Fine print, Living with credit, Protecting yourself

Despite good credit, I can’t get an affordable APR

My credit score is the highest it’s ever been, but I keep getting offers for cards with absurdly high APRs. What gives? Many of the offers I’ve received lately are for premium cards with generous sign-up bonuses worth hundreds of…
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