The Retail Credit and Adjustment Bureaus PDF Download
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Author: Clarence Overby Hanes
Publisher:
ISBN:
Category : Card system in business
Languages : en
Pages : 52
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Book Description
Author: Clarence Overby Hanes
Publisher:
ISBN:
Category : Card system in business
Languages : en
Pages : 52
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Book Description
Author: National Association of Credit Men (U.S.)
Publisher:
ISBN:
Category :
Languages : en
Pages : 1200
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Book Description
Author:
Publisher:
ISBN:
Category : Credit
Languages : en
Pages : 212
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Book Description
Author: M. Anolli
Publisher: Springer
ISBN: 1137006765
Category : Business & Economics
Languages : en
Pages : 367
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Book Description
Introducing the fundamentals of retail credit risk management, this book provides a broad and applied investigation of the related modeling theory and methods, and explores the interconnections of risk management, by focusing on retail and the constant reference to the implications of the financial crisis for credit risk management.
Author: United States. Bureau of Foreign and Domestic Commerce. (Dept. of commerce).
Publisher:
ISBN:
Category : United States
Languages : en
Pages : 2236
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Book Description
Author: Rowena Olegario
Publisher: Harvard University Press
ISBN: 067491550X
Category : Business & Economics
Languages : en
Pages : 312
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Book Description
American households, businesses, and governments have always used intensive amounts of credit. The Engine of Enterprise traces the story of credit from colonial times to the present, highlighting its productive role in building national prosperity. Rowena Olegario probes enduring questions that have divided Americans: Who should have access to credit? How should creditors assess borrowers’ creditworthiness? How can people accommodate to, rather than just eliminate, the risks of a credit-dependent economy? In the 1790s Alexander Hamilton saw credit as “the invigorating principle” that would spur the growth of America’s young economy. His great rival, Thomas Jefferson, deemed it a grave risk, inviting burdens of debt that would amount to national self-enslavement. Even today, credit lies at the heart of longstanding debates about opportunity, democracy, individual responsibility, and government’s reach. Olegario goes beyond these timeless debates to explain how the institutions and legal frameworks of borrowing and lending evolved and how attitudes about credit both reflected and drove those changes. Properly managed, credit promised to be a powerful tool. Mismanaged, it augured disaster. The Engine of Enterprise demonstrates how this tension led to the creation of bankruptcy laws, credit-reporting agencies, and insurance regimes to harness the power of credit while minimizing its destabilizing effects.
Author:
Publisher:
ISBN:
Category : Credit
Languages : en
Pages : 640
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Book Description
Author:
Publisher:
ISBN:
Category : Credit
Languages : en
Pages : 538
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Book Description
Author: James Edward Hagerty
Publisher: New York : H. Holt
ISBN:
Category : Bankruptcy
Languages : en
Pages : 414
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Book Description
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.
