About Us

About CreditPulse, Inc.  

CreditPulse, located in Jacksonville, Florida, is an online journal for credit, accounting and finance professionals that provides in-depth information, research and analysis in specific areas of credit management, accounting and credit markets. In addition, CreditPulse monitors the credit standards and other performance-related credit and accounting benchmarks of companies through its proprietary Credit Standards Index (CSI), a ranking and classification of more than 3500 public companies by their credit standards.

John Bassford, CICP, editor of CreditPulse, spent over 15 years in credit and accounting on the division and corporate levels for both publicly-traded and privately-held companies.  In addition to front-line experience in credit and accounting, he has conducted extensive research into the credit risk management practices of companies throughout the world.  His articles on credit risk analysis and credit standards have appeared in nationally recognized trade journals.  Mr. Bassford is certified in international credit (CICP) and has a BA from Valdosta State University as well as post-graduate coursework in accounting and economics from the University of North Florida.


Dr. Charles W. Mulford, senior accounting advisor, is Invesco Chair and Professor of Accounting at the Georgia Institute of Technology in Atlanta and a Certified Public Accountant (CPA).  Prior to joining the faculty at Georgia Tech, he practiced public accounting at Coopers and Lybrand.  He has coauthored three books, including the bestselling The Financial Numbers Game: Detecting Creative Accounting Practices published in 2002.  Dr. Mulford is a renowned expert on cash flow and the statement of cash flows and regularly consults with major domestic and international commercial banks and money management firms.  Dr. Mulford received his PhD in accounting from Florida State University.


Dr. Mark Gold, senior economics advisor, is an economist and finance professional with over thirty years of professional experience in credit research and analysis.  He recently served as vice-president and senior analyst for Moody's Investors Service.  Dr. Gold began his career in finance with Standard & Poors as a quantitative analyst with the Derivative Products Group before leaving to join the financial engineering unit of a financial insurer.  After ten years in financial insurance and two years in banking, he then joined NSM Capital Management in 2008.  His published research includes a paper on rated banks during the financial crisis, which won praise from the IMF.  Dr. Gold received his PhD from New York University.