The answer to 'gutter moldy' is that mold and mildew growth in gutters is a common problem caused by moisture and debris buildup. Symptoms include discoloration, musty odors, and water damage to the home's exterior. To solve this issue, it's important to regularly clean and maintain your gutters.
For minor mold, you may be able to handle it yourself by clearing out debris, flushing the gutters, and using a gutter cleaning solution or mild bleach mixture to scrub away the mold. However, for extensive mold growth or if you're unable to safely access your gutters, it's best to hire a professional gutter cleaning service to properly clean and treat the problem.