Articles liés à Creditworthy: A History of Consumer Surveillance and...

Creditworthy: A History of Consumer Surveillance and Financial Identity in America - Couverture souple

Livre 2 sur 13: Columbia Studies in the History of U.S. Capitalism

Lauer, Josh

 
9780231216630: Creditworthy: A History of Consumer Surveillance and Financial Identity in America
Couverture souple
ISBN 10 : 0231216637 ISBN 13 : 9780231216630
Editeur : Columbia University Press, 2024

Synopsis

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

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À propos de l'auteur

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 & Society, and several edited collections.

Les informations fournies dans la section « A propos du livre » peuvent faire référence à une autre édition de ce titre.

Éditeur
Columbia University Press
Date d'édition
2024
Langue
anglais
ISBN 10 
0231216637
ISBN 13 
9780231216630
Reliure
Broché
Nombre de pages
368
Coordonnées du fabricant
Columbia University Press
https://cup.columbia.edu/

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