Piwik Image

X

Sign Up




READARA
Creditworthy: A History of Consumer Surveillance and Financial Identity in America (Columbia Studies in the History of U.S. Capitalism)

Overall Rating

4

Overall Rating
Topic Research
Subject Treatment
Informative
Writing Style

Reviews

NA

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 about millions of Americans. 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 "facts." It is fundamentally concerned with" and determines" our social standing as an honest, reliable, profit-generating person.

Columbia University Press

Columbia University Press

Josh Lauer

Josh Lauer

No of Pages
352
Publisher
Columbia University Press
ISBN-13
9780231168083
Awards
None
Book Format
Hardcover
Published Date
Jul 25, 2017

Circles

Not in any circle

Book Journey

Reviews [0]

Likes [0]

Recommends [0]

Bookshelf [0]

Table of Contents

No data Found

About Josh Lauer

Josh Lauer is an associate professor of media studies at the University of New Hampshire. His historical studies of communication technology, surveillance, and financial culture have appeared in Technology and Culture, New Media and Society, and several edited collections.

Other Books by Author

No Books Available

More Credit Ratings & Repair Related Books

other Related books
How to Remove ALL Negative Items from your Credit Report: Do It Yourself Guide to Dramatically Increase Your Credit Rating
How to Remove ALL Negative Items from your Credit Report: Do It Yourself Guide to Dramatically Increase Your Credit Rating
Author :
Riki Roash
Publisher :
CreateSpace Independent Publishing Platform
Published Date :
Apr 7, 2013
No of Pages :
64
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
The Value of Debt: How to Manage Both Sides of a Balance Sheet to Maximize Wealth
The Value of Debt: How to Manage Both Sides of a Balance Sheet to Maximize Wealth
Author :
Thomas J. Anderson
Publisher :
Wiley
Published Date :
Sep 16, 2013
No of Pages :
272
Book Format :
Hardcover
Category :
Credit Ratings & Repair
other Related books
Bad Paper: Chasing Debt from Wall Street to the Underworld
Bad Paper: Chasing Debt from Wall Street to the Underworld
Author :
Jake Halpern
Publisher :
Farrar, Straus and Giroux
Published Date :
Oct 14, 2014
No of Pages :
256
Book Format :
Hardcover
Category :
Credit Ratings & Repair
other Related books
Managing a Consumer Lending Business, 2nd edition
Managing a Consumer Lending Business, 2nd edition
Author :
David Lawrence, Arlene Solomon
Publisher :
Solomon Lawrence Partners
Published Date :
Mar 8, 2013
No of Pages :
288
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
The Overspent American: Why We Want What We Don't Need
The Overspent American: Why We Want What We Don't Need
Author :
Juliet B. Schor
Publisher :
Harper Perennial
Published Date :
Apr 7, 1999
No of Pages :
253
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
Credit Repair
Credit Repair
Author :
Robin Leonard, Margaret Reiter
Publisher :
NOLO
Published Date :
Jun 28, 2013
No of Pages :
464
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
Debt-Proof Living: How to Get Out of Debt & Stay That Way
Debt-Proof Living: How to Get Out of Debt & Stay That Way
Author :
Mary Hunt
Publisher :
Revell
Published Date :
Aug 5, 2014
No of Pages :
320
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
dfree: Breaking Free from Financial Slavery
dfree: Breaking Free from Financial Slavery
Author :
DeForest B. Soaries Jr.
Publisher :
Zondervan
Published Date :
Feb 6, 2011
No of Pages :
224
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
Money from Nothing: Indebtedness and Aspiration in South Africa
Money from Nothing: Indebtedness and Aspiration in South Africa
Author :
Deborah James
Publisher :
Stanford University Press
Published Date :
Nov 19, 2014
No of Pages :
304
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
Debt Free For Life: The Finish Rich Plan for Financial Freedom
Debt Free For Life: The Finish Rich Plan for Financial Freedom
Author :
David Bach
Publisher :
Crown Business
Published Date :
Dec 28, 2010
No of Pages :
288
Book Format :
Hardcover
Category :
Credit Ratings & Repair
other Related books
One Year to an Organized Financial Life: From Your Bills to Your Bank Account, Your Home to Your Retirement, the Week-by-Week Guide to Achieving Financial Peace of Mind
One Year to an Organized Financial Life: From Your Bills to Your Bank Account, Your Home to Your Retirement, the Week-by-Week Guide to Achieving Financial Peace of Mind
Author :
Regina Leeds
Publisher :
Da Capo Lifelong Books
Published Date :
Dec 10, 2009
No of Pages :
288
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
Debt Markets and Analysis, Website
Debt Markets and Analysis,   Website
Author :
R. Stafford Johnson
Publisher :
Bloomberg Press
Published Date :
Mar 25, 2013
No of Pages :
736
Book Format :
Hardcover
Category :
Credit Ratings & Repair
other Related books
Rich Dad's Guide to Becoming Rich Without Cutting Up Your Credit Cards: Turn "Bad Debt" into "Good Debt"
Rich Dad's Guide to Becoming Rich Without Cutting Up Your Credit Cards: Turn
Author :
Robert T. Kiyosaki
Publisher :
Plata Publishing
Published Date :
Jan 10, 2012
No of Pages :
96
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
Credit Warfare: Advanced Credit Repair and Debt Collection Strategies for the Novice and Expert User, Vol. 1
Credit Warfare: Advanced Credit Repair and Debt Collection Strategies for the Novice and Expert User, Vol. 1
Author :
S. Louis Blisko
Publisher :
CreateSpace Independent Publishing Platform
Published Date :
Apr 12, 2012
No of Pages :
210
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
Legal Loopholes: Credit Repair Tactics Esposed
Legal Loopholes: Credit Repair Tactics Esposed
Author :
Charles Dickens
Publisher :
Trafford
Published Date :
Apr 17, 2013
No of Pages :
178
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future (4th Edition) (Liz Pulliam Weston)
Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future (4th Edition) (Liz Pulliam Weston)
Author :
Liz Weston
Publisher :
FT Press
Published Date :
Nov 28, 2011
No of Pages :
288
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
Fixing the Money Thing: A practical Guide to Your Financial Success
Fixing the Money Thing: A practical Guide to Your Financial Success
Author :
Gary Keesee
Publisher :
Sound Wisdom
Published Date :
Jan 1, 2011
No of Pages :
265
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
The Frugalista Files: How One Woman Got Out of Debt Without Giving Up the Fabulous Life
The Frugalista Files: How One Woman Got Out of Debt Without Giving Up the Fabulous Life
Author :
Natalie McNeal
Publisher :
Harlequin
Published Date :
Dec 21, 2010
No of Pages :
192
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
Gazelles, Baby Steps and 37 Other Things Dave Ramsey Taught Me about Debt
Gazelles, Baby Steps and 37 Other Things Dave Ramsey Taught Me about Debt
Author :
Jonathan Acuff
Publisher :
Lampo Press
Published Date :
Feb 1, 2011
No of Pages :
197
Book Format :
Paperback
Category :
Credit Ratings & Repair
other Related books
Consumer Credit and the American Economy (Financial Management Association Survey and Synthesis)
Consumer Credit and the American Economy (Financial Management Association Survey and Synthesis)
Author :
Thomas A. Durkin, Gregory Elliehausen, Michael E. Staten, Todd J. Zywicki
Publisher :
Oxford University Press
Published Date :
Aug 13, 2014
No of Pages :
736
Book Format :
Hardcover
Category :
Credit Ratings & Repair
+

Editorial Reviews

No Editorial Reviews Available

Community Reviews

No Community Reviews Available

Press Releases

No Press Release found

Testimonials

No Data available

Market Place