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About Creditworthy: A History of Consumer Surveillance and Financial Identity in America (Columbia Studies in the History of U.S. Capitalism)
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 predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing.In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played–ahead of state surveillance systems–in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person’s trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports–and, later, credit ratings and credit scores–credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic and “facts. and ” It is fundamentally concerned with–and determines–our social standing as an honest, reliable, profit-generating person. Table of contentsIntroduction1. and “A Bureau for the Promotion of Honesty and “: The birth of the systematic credit surveillance2. Coming to terms with credit: The nineteenth-century origins of consumer credit surveillance3. Credit workers unite: Professionalization and the rise of a national credit infrastructure4. Running the credit gantlet: Extracting, ordering and communicating consumer information5. and “You are judged by your credit and “: Teaching and targeting the consumer6. and “File clerk’s paradise and “: Postwar credit reporting on the eve of automation7. Encoding the consumer: The computerization of credit reporting and credit scoring8. Database panic: Computerized credit surveillance and its discontents9. From debts to data: Credit bureaus in the new information economyEpilogueNotesSelected bibliographyIndex
Detailed Information
| Author: | Josh Lauer |
|---|---|
| Publication Year: | 2017 |
| ISBN: | 9780231168083 |
| Pages: | 364 |
| Language: | English |
| File Size: | 2.8 |
| Format: | |
| Price: | FREE |
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