There are plenty of good websites that offer advice, recommendations, information and news about credit. So why toss another one into the pot?

First, we believe that the smart use of credit is an essential ingredient in living a happy and rewarding life.

Second, it is very time consuming for anyone to stay abreast of the complex and ever-changing financial landscape. We think there is value in bringing the perspectives of industry insiders who have a combined 70 years of experience.

And, everyone deserves an open, honest, straight-forward source for credit information.

When we advertise credit and credit related products and services on our site we strive to do so in a balanced way and will not promote products or services we wouldn’t recommend to our closest friends.

While we recognize that we are dealing with serious subjects, we believe you should have the option of having them offered up in an enjoyable and comfortable way. That’s what we are striving to accomplish at CreditGumbo.com.

So, welcome to CreditGumbo.com. We hope you visit often for our hearty blend of credit advice and commentary. If you like what you see, please recommend us to your friends.

The Credit Gumbo Team

• Mark Wlaz has thirty years of experience in the financial services industry across a broad spectrum of products, including: small business and consumer credit cards, consumer mortgage lending, and individual life, health, accident and automobile insurances. He has held senior level positions in marketing, responsible for direct marketing new account acquisition, customer management and product development. At a moment's notice he is willing to grab his camera and head for exciting destinations worldwide...with West Africa, China, and the outback of Australia as some of his personal favorites.
  
  
• During his 18 year banking career, Dave Griffith has focused almost exclusively on personal and small business credit cards. His executive leadership and managerial roles include: risk assessment of both new and existing credit card customers, portfolio pricing optimization and even a stint in bill collections. While credit risk management is his first love, he has also led teams responsible for marketing support for both acquiring new credit card customers and managing relationships with existing customers.
  
  
• Dave Kearns has held senior management positions in credit and analytics for banks in the US and UK. He is a master's degreed statistician who has hands-on experience developing credit scores and implementing credit decisioning systems. Over his 20+ year career, Dave has shaped credit policies for varied consumer and commercial products, including credit cards, lines of credit, and home equity loans.

When they are not contributing to CreditGumbo.com, all three provide consulting services domestically and internationally to banks, data providers, and card associations.