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I'm a former staff reporter at CreditCards.com. 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.
By Kelly Dilworth / December 6, 2012
The CFPB is recommending that consumers ask for their file disclosures from each of the specialty consumer reporting companies that are collecting their financial minutiae — ranging from utility payments to insurance claims — at least once per year.
The problem is it takes so much time and effort to pull every report that could possibly be misreporting your financial information that only the most dedicated consumers — with plenty of free time — are likely to follow through.
By Kelly Dilworth / November 13, 2012
A startup company based in Durham, N.C., says it can help keep your credit reports error-free by blocking an error from occurring in the first place.
How? By pressuring lenders and even debt collectors to accurately report your payments to the credit bureaus — or else.
By Kelly Dilworth / August 17, 2012
Last weekend, I married my Canadian sweetheart in a casual ceremony, surrounded by our closest friends and family. Less than a week later, I’m still having a hard time processing how much we actually spent on an event that lasted just a little more than five hours.
I’m still not ready to tally up the final number. However, here’s a hint: We spent nowhere near the average cost of a U.S. wedding, which hit $27,021 in 2011, according to TheKnot.com and WeddingChannel.com. However, thanks to the generosity of my family and the sudden rush of wedding fever that comes with being newly engaged, we spent a lot more than the $5,000 that I originally had in mind.
If you, too, are knee-deep in wedding planning or are just recently engaged, here are some hard-won tips for keeping your own wedding costs from spiraling out of control.
By Kelly Dilworth / July 2, 2012
Recently, my fiance and I opened our first joint bank account. It took more time — and was more emotionally charged — than I anticipated.
After spending more than an hour filling out forms and going over our options with a personal banker, we drove to a local eatery — which was my suggestion; he would have rather saved the cash and eaten in — and hashed out a blueprint for how we’ll manage our money.
By the time we left the restaurant, I was drained. We’re both planners, and so we had talked about these issues before. But this was harder. It was the real deal.
By Kelly Dilworth / May 11, 2012
Would you call off your wedding if you just found out your partner was deeply in debt? How about if he missed a couple of credit card payments and now has a black mark on his credit report?
It’s an uncomfortable question, and the answer you get depends on the person you ask — and the depth of the financial damage, according to a recent study by TD Ameritrade.