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| Author | : Josh Lauer |
| Publisher | : Columbia University Press |
| Total Pages | : 393 |
| Release | : 2017-07-25 |
| Genre | : History |
| ISBN | : 0231544626 |
Download Creditworthy Book in PDF, ePub and Kindle
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.
| Author | : Stephen L. Ross |
| Publisher | : MIT Press |
| Total Pages | : 488 |
| Release | : 2002-11-08 |
| Genre | : Business & Economics |
| ISBN | : 9780262264334 |
Download The Color of Credit Book in PDF, ePub and Kindle
An analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection. In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity. In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.
| Author | : Andrew Clements |
| Publisher | : Simon and Schuster |
| Total Pages | : 146 |
| Release | : 2012-03-13 |
| Genre | : Juvenile Fiction |
| ISBN | : 141699520X |
Download Extra Credit Book in PDF, ePub and Kindle
It isn’t that Abby Carson can’t do her schoolwork. She just doesn’t like doing it. And in February a warning letter arrives at her home. Abby will have to repeat sixth grade—unless she meets some specific conditions, including taking on an extra-credit project to find a pen pal in a distant country. Seems simple enough. But when Abby’s first letter arrives at a small school in Afghanistan, the village elders agree that any letters going back to America must be written well. In English. And the only qualified student is a boy, Sadeed Bayat. Except in this village, it is not proper for a boy to correspond with a girl. So Sadeed’s younger sister will write the letters. Except she knows hardly any English. So Sadeed must write the letters. For his sister to sign. But what about the villagers who believe that girls should not be anywhere near a school? And what about those who believe that any contact with Americans is . . . unhealthy? Not so simple. But as letters flow back and forth—between the prairies of Illinois and the mountains of central Asia, across cultural and religious divides, through the minefields of different lifestyles and traditions—a small group of children begin to speak and listen to one another. And in just a few short weeks, they make important discoveries about their communities, about their world, and most of all, about themselves.
| Author | : Thomas A. Durkin |
| Publisher | : Financial Management Associati |
| Total Pages | : 737 |
| Release | : 2014 |
| Genre | : Business & Economics |
| ISBN | : 0195169921 |
Download Consumer Credit and the American Economy Book in PDF, ePub and Kindle
This article provides an introduction to a law review symposium by the Journal of Law, Economics, and Policy on our book (co-authored with Michael E. Staten), Consumer Credit and the American Economy (Oxford 2014). The conference, held November 2014, collects several articles responding to and building on the research agenda laid out by our book. For those who have not read the book, this article is intended to summarize several of the main themes of the book, including discussion of economic models of consumer credit usage, trends in consumer credit usage over time, the use of high-cost credit, and behavioral economics.
| Author | : Anthony Davenport |
| Publisher | : Houghton Mifflin Harcourt |
| Total Pages | : 238 |
| Release | : 2018-01-09 |
| Genre | : Business & Economics |
| ISBN | : 1328694658 |
Download Your Score Book in PDF, ePub and Kindle
“Does a phenomenal job of pulling back the curtain and giving you a first-hand peek inside the hidden, often frustrating, world of credit scoring.”—Lynnette Khalfani-Cox, New York Times bestselling author ofZero Debt A healthy credit score is essential for a healthy financial life. But the precise mechanisms used to determine our credit scores are shrouded in mystery. Consumers aren’t usually told how their score is being used by all kinds of companies and banks to dictate financial terms that will strongly affect their daily lives. So when consumers interact with the world of credit, they do so from a position of weakness. With this revelatory guide, Anthony Davenport aims to change that. Finally, here is a consumer-friendly road map for understanding and navigating the secretive world of consumer credit. Davenport reveals where your credit score comes from, how to improve, maintain, or rescue it, and how to avoid hidden credit pitfalls. Your Score is an accessible manual designed to help you take control of your credit score and better navigate all the important financial decisions in your life. “Anthony Davenport not only understands credit, but truly believes everyone should be empowered to understand it for themselves. You won’t find this level of honest information anywhere else.”—Tiki Barber, cohost of Tiki & Tierney and former NFL running back “This is a masterful work . . . The time it takes to read this book will produce extraordinary returns.”—Mark Gerson, chairman, Gerson Lehrman Group “Davenport offers a handy, one-stop guide to understanding—and fixing—your credit score . . . A clearheaded, must-read guide for anyone looking to decode the most influential number of them all.”—Publishers Weekly
| Author | : Philip T. Hoffman |
| Publisher | : Princeton University Press |
| Total Pages | : 320 |
| Release | : 2019-02-05 |
| Genre | : Business & Economics |
| ISBN | : 0691182175 |
Download Dark Matter Credit Book in PDF, ePub and Kindle
How a vast network of shadow credit financed European growth long before the advent of banking Prevailing wisdom dictates that, without banks, countries would be mired in poverty. Yet somehow much of Europe managed to grow rich long before the diffusion of banks. Dark Matter Credit draws on centuries of cleverly collected loan data from France to reveal how credit abounded well before banks opened their doors. This incisive book shows how a vast system of shadow credit enabled nearly a third of French families to borrow in 1740, and by 1840 funded as much mortgage debt as the American banking system of the 1950s. Dark Matter Credit traces how this extensive private network outcompeted banks and thrived prior to World War I—not just in France but in Britain, Germany, and the United States—until killed off by government intervention after 1918. Overturning common assumptions about banks and economic growth, the book paints a revealing picture of an until-now hidden market of thousands of peer-to-peer loans made possible by a network of brokers who matched lenders with borrowers and certified the borrowers’ creditworthiness. A major work of scholarship, Dark Matter Credit challenges widespread misperceptions about French economic history, such as the notion that banks proliferated slowly, and the idea that financial innovation was hobbled by French law. By documenting how intermediaries in the shadow credit market devised effective financial instruments, this compelling book provides new insights into how countries can develop and thrive today.
| Author | : Ciby Joseph |
| Publisher | : John Wiley & Sons |
| Total Pages | : 454 |
| Release | : 2013-04-22 |
| Genre | : Business & Economics |
| ISBN | : 111860489X |
Download Advanced Credit Risk Analysis and Management Book in PDF, ePub and Kindle
Credit is essential in the modern world and creates wealth, provided it is used wisely. The Global Credit Crisis during 2008/2009 has shown that sound understanding of underlying credit risk is crucial. If credit freezes, almost every activity in the economy is affected. The best way to utilize credit and get results is to understand credit risk. Advanced Credit Risk Analysis and Management helps the reader to understand the various nuances of credit risk. It discusses various techniques to measure, analyze and manage credit risk for both lenders and borrowers. The book begins by defining what credit is and its advantages and disadvantages, the causes of credit risk, a brief historical overview of credit risk analysis and the strategic importance of credit risk in institutions that rely on claims or debtors. The book then details various techniques to study the entity level credit risks, including portfolio level credit risks. Authored by a credit expert with two decades of experience in corporate finance and corporate credit risk, the book discusses the macroeconomic, industry and financial analysis for the study of credit risk. It covers credit risk grading and explains concepts including PD, EAD and LGD. It also highlights the distinction with equity risks and touches on credit risk pricing and the importance of credit risk in Basel Accords I, II and III. The two most common credit risks, project finance credit risk and working capital credit risk, are covered in detail with illustrations. The role of diversification and credit derivatives in credit portfolio management is considered. It also reflects on how the credit crisis develops in an economy by referring to the bubble formation. The book links with the 2008/2009 credit crisis and carries out an interesting discussion on how the credit crisis may have been avoided by following the fundamentals or principles of credit risk analysis and management. The book is essential for both lenders and borrowers. Containing case studies adapted from real life examples and exercises, this important text is practical, topical and challenging. It is useful for a wide spectrum of academics and practitioners in credit risk and anyone interested in commercial and corporate credit and related products.
| Author | : Will Roundtree |
| Publisher | : Createspace Independent Publishing Platform |
| Total Pages | : 142 |
| Release | : 2016-12-23 |
| Genre | : Credit |
| ISBN | : 9781541257115 |
Download Credit Is King Book in PDF, ePub and Kindle
We need credit for everything nowadays, whether it's to buy a house, car or make a loan. As you grow older, your needs change and so does your credit. Analyzing your own credit can be difficult if you don't understand what it entails. This book will teach you the importance of credit and all the factors involved from credit scores, debt, credit cards and credit mistakes that contribute or can destroy ones' credit. In the end, you will learn how credit matters in not just the major decisions you make, but for the minor ones as well. Credit Is King and there is no better leverage to going your financial empire and building generational wealth.
| Author | : Jürgen Schraten |
| Publisher | : Berghahn Books |
| Total Pages | : 212 |
| Release | : 2020-02-03 |
| Genre | : Business & Economics |
| ISBN | : 1789206391 |
Download Credit and Debt in an Unequal Society Book in PDF, ePub and Kindle
South Africa was one of the first countries in the Global South that established a financialized consumer credit market. This market consolidates rather than alleviates the extreme social inequality within a country. This book investigates the political reasons for adopting an allegedly self-regulating market despite its disastrous effects and identifies the colonialist ideas of property rights as a mainstay of the existing social order. The book addresses sociologists, political scientists, anthropologists and legal scholars interested in the interaction of economy and law in contemporary market societies.
| Author | : Corey P Smith |
| Publisher | : Credo Books Inc |
| Total Pages | : 135 |
| Release | : 2013-11-01 |
| Genre | : Business & Economics |
| ISBN | : 0615809561 |
Download Conspiracy of Credit Book in PDF, ePub and Kindle
Conspiracy of Credit is a must read. Containing the most raw and comprehensive information you will ever find on credit, this book provides shocking answers to the questions of why the credit bureaus want you to have bad credit and why credit is assumedly for poor people. Conspiracy of Credit explains why identity theft is nothing more than a new product created by the credit bureaus and banks to make money. Further, this book tactfully breaks down the reason behind retail and grocery store loyalty cards as well as the use of re-identification software. The speed of light money age is here, and never before has any book provided a blueprint for the future of credit and banking.
