000808018 000__ 04432cam\a2200505\i\4500 000808018 001__ 808018 000808018 005__ 20210515141249.0 000808018 006__ m\\\\\o\\d\\\\\\\\ 000808018 007__ cr\ununnnunnun 000808018 008__ 180221s2017\\\\nyua\\\\ob\\\\001\0\eng\d 000808018 010__ $$a 2017015938 000808018 019__ $$a984686782$$a1001984740$$a1002599800$$a1011368885 000808018 020__ $$a9780231544627$$q(electronic book) 000808018 020__ $$a0231544626$$q(electronic book) 000808018 020__ $$z9780231168083 000808018 020__ $$z023116808X 000808018 0247_ $$a10.7312/laue16808$$2doi 000808018 035__ $$a(OCoLC)ocn980871701 000808018 040__ $$aDLC$$beng$$erda$$cDLC$$dOCLCF$$dOCLCO$$dJSTOR$$dYDX$$dIDEBK$$dTEFOD$$dUBY$$dDEBSZ$$dN$T$$dDEGRU$$dDEBBG$$dEBLCP 000808018 042__ $$apcc 000808018 043__ $$an-us--- 000808018 049__ $$aISEA 000808018 05010 $$aHG3701$$b.L35 2017eb 000808018 08200 $$a332.70973$$223 000808018 1001_ $$aLauer, Josh$$c(Professor of communication),$$eauthor. 000808018 24510 $$aCreditworthy :$$ba history of consumer surveillance and financial identity in America /$$cJosh Lauer. 000808018 2463_ $$aCredit worthy 000808018 264_1 $$aNew York :$$bColumbia University Press,$$c[2017] 000808018 300__ $$a1 online resource (ix, 352 pages) :$$billustrations. 000808018 336__ $$atext$$btxt$$2rdacontent 000808018 337__ $$acomputer$$bn$$2rdamedia 000808018 338__ $$aonline resource$$bnc$$2rdacarrier 000808018 347__ $$atext file$$bPDF$$2rda 000808018 4901_ $$aColumbia studies in the history of U.S. capitalism 000808018 504__ $$aIncludes bibliographical references and index. 000808018 5050_ $$aIntroduction -- "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. 000808018 506__ $$aAccess limited to authorized users. 000808018 520__ $$a"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."--$$cProvided by publisher. 000808018 588__ $$aDescription based on print version record. 000808018 650_0 $$aCredit analysis$$zUnited States$$xHistory. 000808018 77608 $$iPrint version:$$aLauer, Josh (Professor of communication), author.$$tCreditworthy$$dNew York : Columbia University Press, [2017]$$z9780231168083$$w(DLC) 2016050103 000808018 830_0 $$aColumbia studies in the history of U.S. capitalism. 000808018 852__ $$bacq 000808018 85280 $$bebk$$hProQuest Ebook Central 000808018 85640 $$3ProQuest Ebook Central$$uhttps://univsouthin.idm.oclc.org/login?url=https://ebookcentral.proquest.com/lib/usiricelib-ebooks/detail.action?docID=5276017$$zOnline Access 000808018 909CO $$ooai:library.usi.edu:808018$$pGLOBAL_SET 000808018 980__ $$aEBOOK 000808018 980__ $$aBIB 000808018 982__ $$aEbook 000808018 983__ $$aOnline