{"product_id":"creditworthy-9780231168083","title":"Creditworthy","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eIn \u003ci\u003eCreditworthy\u003c\/i\u003e, Josh Lauer explores the evolution of credit reporting from from an industry that relied on personal knowledge to the modern consumer data industry. He highlights the role that commercial surveillance has played in monitoring Americans' economic lives.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTrade Review\u003c\/b\u003e\u003cbr\u003eWho deserves credit? Who is a prime borrower, and who is subprime? The stakes of these questions could not be higher: loans are essential to the education, transport, and housing of millions. Lauer has written a compelling history of how businesses assess creditworthiness, from nineteenth-century trade associations to contemporary data science mavens. Lucid and packed with fascinating detail, Creditworthy is an essential guide to the intersection of finance and surveillance. -- Frank Pasquale, University of Maryland Clearly written, well researched, and wide ranging, Creditworthy provides a fresh account of the evolution of credit agencies in the United States. By combining insights from business history and cultural studies, Lauer probes the sometimes unsettling role of corporate surveillance in the making of financial identity. -- Richard R. John, Columbia University At last! A book that drills down into the history of consumer credit-scoring and demonstrates its massive contribution to our daily experience of contemporary surveillance. Not just a vital chronicle of a hitherto hidden history but a principled account of what happens when human value is reduced to monetizing consumer details. Creditworthy penetrates to the core of contemporary capitalism's disturbing obsession with personal data. -- David Lyon, Queen's University, Canada Consumer credit reporting is ubiquitous, but its pioneering role in the surveillance of consumers has been poorly understood-until now. Josh Lauer has dug deep into the historical sources and marshaled his findings into a rich and cohesive narrative that encompasses business dynamics, social norms, technology, and regulation. This book will become the indispensable source on the history of both consumer credit reporting and the surveillance society. -- Rowena Olegario, University of Oxford Josh Lauer has written an important book for anyone interested in the history of consumer credit. Long before there were FICO scores, consumers' creditworthiness was being assessed and considered. Without the developments Lauer documents in this notable work, it is unlikely consumer credit would have exploded as it did in the early twentieth century. A must read! -- Martha Olney, University of California, Berkeley [A] fascinating study of the credit-rating industry's central role in creating the 'modern surveillance society.' ... Lauer's top-down economic history is a thorough, enlightening, and long-overdue contribution to the field. Publishers Weekly\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eAcknowledgments\u003cbr\u003eIntroduction\u003cbr\u003e1. “A Bureau for the Promotion of Honesty”: The Birth of Systematic Credit Surveillance\u003cbr\u003e2. Coming to Terms with Credit: The Nineteenth- Century Origins of Consumer Credit Surveillance\u003cbr\u003e3. Credit Workers Unite: Professionalization and the Rise of a National Credit Infrastructure\u003cbr\u003e4. Running the Credit Gantlet: Extracting, Ordering, and Communicating Consumer Information\u003cbr\u003e5. “You Are Judged by Your Credit”: Teaching and Targeting the Consumer\u003cbr\u003e6. “File Clerk’s Paradise”: Postwar Credit Reporting on the Eve of Automation\u003cbr\u003e7. Encoding the Consumer: The Computerization of Credit Reporting and Credit Scoring\u003cbr\u003e8. Database Panic: Computerized Credit Surveillance and Its Discontents\u003cbr\u003e9. From Debts to Data: Credit Bureaus in the New Information Economy\u003cbr\u003eEpilogue\u003cbr\u003eNotes\u003cbr\u003eSelected Bibliography\u003cbr\u003eIndex","brand":"Columbia University Press","offers":[{"title":"Default Title","offer_id":49400283726167,"sku":"9780231168083","price":80.39,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780231168083.jpg?v=1730470278","url":"https:\/\/bookcurl.com\/products\/creditworthy-9780231168083","provider":"Book Curl","version":"1.0","type":"link"}