when you registered with Cruise-Chat.com, you chose "worksucks" as your Username and "gary albert" as your Display Name. The latter is the name shown next to your postings, while the Username is the one used at login.
Your profile shows "gary albert" as your display name, which is why you see it and not your user name. User name is for logging into the forum, display name is whatever you put down when you joined the forum. You therefore had to put "gary albert" in when you filled out the member info.
regular users can change their usernames, but they cannot change their display names. The reason for this is that allowing unlimited display name changes for all users would likely cause confusion and might lead to abusive behavior.
However, any administrator will be able to change your display name for you. Just let us know which new name you would like to have. Your password is not required.