
Kelly Suzan Waggoner is a personal finance editor with more than 15 years of experience, including leadership roles at AOL, Bankrate, and Finder, with her work appearing across Yahoo Finance, Nasdaq, and Lifehacker. She specializes in credit, lending, and consumer finance for financially underserved audiences, helping people navigate unfamiliar decisions around credit building, debt management, and financial wellness.
Kelly has spent her career helping people make sense of money, from building credit for the first time to paying down debt, comparing products, and planning for what's next. She works to make complex financial topics accessible, accurate, and genuinely useful, centering on those most likely to benefit from clear, trustworthy financial guidance — and least likely to get it.
Kelly has collaborated with publishers and nonprofits throughout New York City to develop best practices around editorial integrity, plain language, and digital accessibility. A Russell Sage College graduate with a certificate in editing from Poynter News University, she also ghostwrote a how-to on editing and proofreading for the Dummies series. Outside of finance, she toys with words, flips through style guides and fantasizes about the serial comma's world domination.
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Average first-year credit score impact of +86 points between Aug-2024 & Aug-2025 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary.


