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

When it comes to your personal and financial details, there’s no hiding now

If you value your privacy, the past several years have been rough.

Advertisers are trying to make money off you by following your activities on the Web. Credit card issuers are tracking what you buy — not just for anti-fraud purposes. And dozens of consumer reporting companies are collecting and selling so much personal and financial information about you that if you pulled all that data together in one place, you’d essentially create a revealing biography of who you are — and how you choose to live.

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Living with credit, Research, regulation, industry reports

Hoping for a financially brighter 2013 — and still thinking about the recent past

Over the holidays, I turned down an invitation to visit a family member who lives in a rural area a few hours from town because I was afraid my aging Toyota would break down along the way.

That — along with my semi-monthly trips to the auto mechanic this fall — should have been my cue to stop the procrastination and finally buy a more reliable car. But, like many recession-scarred Americans, I probably won’t — at least, not any time soon.

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Fine print, Protecting yourself, Research, regulation, industry reports

Your financial-details-for-sale: Monitor at your own risk

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.

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Living with credit, New products

Startup says it can help prevent credit report errors

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.

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Living with credit

5 tips for keeping your wedding under budget

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 and 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.

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