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Creditworthy : a history of consumer surveillance and financial identity in America

Author: Josh Lauer, (Professor of communication)
Publisher: New York : Columbia University Press, [2017]
Series: Columbia studies in the history of U.S. capitalism.
Edition/Format:   eBook : Document : EnglishView all editions and formats
Summary:
The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to  Read more...
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Genre/Form: History
Electronic books
Additional Physical Format: Print version:
Lauer, Josh (Professor of communication), author.
Creditworthy
New York : Columbia University Press, [2017]
(DLC) 2016050103
Material Type: Document, Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: Josh Lauer, (Professor of communication)
ISBN: 9780231544627 0231544626
OCLC Number: 980871701
Language Note: In English.
Description: 1 online resource.
Contents: Introduction --
"A bureau for the promotion of honesty" : the birth of systematic credit surveillance --
Coming to terms with credit : the nineteenth-century origins of consumer credit surveillance --
Credit workers unite : professionalization and the rise of a national credit infrastructure --
Running the credit gauntlet : extracting, ordering, and communicating consumer information --
"You are judged by your credit" : teaching and targeting the consumer --
"File clerk's paradise" : postwar credit reporting on the eve of automation --
Encoding the consumer : the computerization of credit reporting and credit scoring --
Database panic : computerized credit surveillance and its discontents --
From debts to data : credit bureaus in the new information economy --
Epilogue --
Notes --
Bibliography --
Index.
Series Title: Columbia studies in the history of U.S. capitalism.
Other Titles: Credit worthy
Responsibility: Josh Lauer.
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Abstract:

In Creditworthy, Josh Lauer explores the evolution of credit reporting from from an industry that relied on personal knowledge to the modern consumer data industry. He highlights the role that  Read more...

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Who deserves credit? Who is a prime borrower, and who is subprime? The stakes of these questions could not be higher: loans are essential to the education, transport, and housing of millions. Lauer Read more...

 
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