Lauer V. American Family Life Insurance Company

Lauer V. American Family Life Insurance Company PDF Author:
Publisher:
ISBN:
Category : Legal briefs
Languages : en
Pages : 40

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Lauer V. American Family Life Insurance Company

Lauer V. American Family Life Insurance Company PDF Author:
Publisher:
ISBN:
Category : Legal briefs
Languages : en
Pages : 40

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Book Description


Golden Rule Insurance Company V. Schwartz

Golden Rule Insurance Company V. Schwartz PDF Author:
Publisher:
ISBN:
Category : Legal briefs
Languages : en
Pages : 198

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Eads V. Heritage Enterprises, Inc

Eads V. Heritage Enterprises, Inc PDF Author:
Publisher:
ISBN:
Category : Legal briefs
Languages : en
Pages : 74

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Sheffler V. Commonwealth Edison Company

Sheffler V. Commonwealth Edison Company PDF Author:
Publisher:
ISBN:
Category : Legal briefs
Languages : en
Pages : 178

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Flynn V. Industrial Commission of the State of Illinois

Flynn V. Industrial Commission of the State of Illinois PDF Author:
Publisher:
ISBN:
Category : Legal briefs
Languages : en
Pages : 148

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Nowak V. City of Country Club Hills

Nowak V. City of Country Club Hills PDF Author:
Publisher:
ISBN:
Category : Legal briefs
Languages : en
Pages : 66

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Press Summary - Illinois Information Service

Press Summary - Illinois Information Service PDF Author: Illinois Information Service
Publisher:
ISBN:
Category : Illinois
Languages : en
Pages : 292

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Illinois Appellate Reports

Illinois Appellate Reports PDF Author: Illinois. Appellate Court
Publisher:
ISBN:
Category : Law reports, digests, etc
Languages : en
Pages : 1192

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Illinois Reports

Illinois Reports PDF Author: Illinois. Supreme Court
Publisher:
ISBN:
Category : Law reports, digests, etc
Languages : en
Pages : 776

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Creditworthy

Creditworthy PDF Author: Josh Lauer
Publisher: Columbia University Press
ISBN: 0231544626
Category : History
Languages : en
Pages : 393

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Book Description
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.