TY  - GEN
N2  - "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. [This book] explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. [The author] highlights the leading role that commercial surveillance has played--ahead of state surveillance systems--in monitoring the economic lives of Americans. [This book] 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, [the author] 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. [This book] 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."--
DO  - 10.7312/laue16808
DO  - doi
AB  - "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. [This book] explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. [The author] highlights the leading role that commercial surveillance has played--ahead of state surveillance systems--in monitoring the economic lives of Americans. [This book] 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, [the author] 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. [This book] 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."--
T1  - Creditworthy :a history of consumer surveillance and financial identity in America /
AU  - Lauer, Josh
CN  - ProQuest Ebook Central
CN  - HG3701
ID  - 808018
KW  - Credit analysis
SN  - 9780231544627
SN  - 0231544626
TI  - Creditworthy :a history of consumer surveillance and financial identity in America /
LK  - https://univsouthin.idm.oclc.org/login?url=https://ebookcentral.proquest.com/lib/usiricelib-ebooks/detail.action?docID=5276017
UR  - https://univsouthin.idm.oclc.org/login?url=https://ebookcentral.proquest.com/lib/usiricelib-ebooks/detail.action?docID=5276017
ER  -