Our Experts

Matt Schulz: Senior Industry Analyst
Matt Schulz

Senior Industry Analyst

Matt has spent much of the last decade helping people make smart decisions about their money, especially credit cards. A keen observer of the payments and credit card industry, he has been quoted in or had his work appear in major media outlets like U.S. News and World Report, AOL Daily Finance, Yahoo Finance and Business Insider. Matt is also a frequent speaker at industry conferences.

This is Matt's second stint with CreditCards.com, having previously served as Managing Editor from 2008 to 2012. He has also led online editorial teams for an investing education website, as well as two local TV stations and a newspaper in Austin, Texas.

Matt earned a bachelor's degree in journalism from the University of Texas at Austin.

Jody Farmer: Vice President, Strategic Marketing
Jody Farmer

Vice President, Strategic Marketing

Jody Farmer is Vice President, Strategic Marketing for CreditCards.com. Jody has extensive experience in consumer credit, banking, mortgages and credit cards. Jody is frequently interviewed on national and local television and radio, as well as in print.

Prior to joining CreditCards.com, Jody served as Director of eBusiness for Dell Financial Services, the credit and leasing arm of Dell, Inc. His previous experience includes ecommerce marketing leadership roles at NextCard, the first online issuer of Visa and MasterCard and Citibank. Jody holds a BA in Accounting from Baylor University, and an MBA from Cox School of Business, Southern Methodist University. He is a CPA in the state of Texas.

Dan Ray: Editor-in-Chief
Dan Ray


Daniel P. Ray is editor in chief of CreditCards.com. Dan has spent 10 years immersed in the personal finance field, and has developed expertise in how credit, debt, mortgages and banking issues affect consumers. He's been extensively quoted in print, and interviewed many times on radio and television.

Before founding the editorial department of CreditCards.com in 2007, he spent nearly a decade at Bankrate.com, including six years as editor in chief, during which time he won three Society of American Business Editors and Writers awards. He also was a regular guest on a local television station's personal finance segment, and was the voice of Bankrate's "Personal Finance Minute," a syndicated radio segment.

Dan earned a bachelor's degree in journalism from the University of Missouri-Columbia.