{"title":"Josh Lauer","description":"\u003cp\u003eWelcome to our collection featuring the insightful works of Josh Lauer, a distinguished author celebrated for his deep dives into historical and financial topics. Josh Lauer's compelling narratives not only illuminate the intricate world of finance but also offer an accessible exploration of historical events that have shaped modern economic landscapes.\u003c\/p\u003e\n\n\u003cp\u003eLauer's acclaimed book, \u003cem\u003eCreditworthy\u003c\/em\u003e, is a riveting journey through the history of credit, revealing how it has evolved and influenced consumer culture over the decades. By intertwining economic analysis with historical context, Lauer provides readers with a unique perspective on how credit systems have become integral to everyday life.\u003c\/p\u003e\n\n\u003cp\u003eIdeal for enthusiasts of history and those intrigued by the dynamics of the financial world, Josh Lauer's works stand out for their clarity, depth, and engaging storytelling. Whether you're looking to deepen your understanding of economic history or simply enjoy a fascinating narrative, this collection offers invaluable insights and thought-provoking discussions.\u003c\/p\u003e\n\n\u003cp\u003eExplore Josh Lauer's books today and enrich your reading list with his exceptional contributions to the fields of history and finance.\u003c\/p\u003e","products":[{"product_id":"creditworthy-by-josh-lauer-9780231216630","title":"Creditworthy","description":"\u003cdiv class=\"book-description\"\u003e\n\u003cp\u003eThe 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-pound corporations that track our movements, spending behaviour, 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.\u003c\/p\u003e\n\n\u003cp\u003eIn \u003cem\u003eCreditworthy\u003c\/em\u003e, 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, \u003cem\u003eCreditworthy\u003c\/em\u003e highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans.\u003c\/p\u003e\n\n\u003cp\u003eLauer 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.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eCreditworthy\u003c\/em\u003e 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.\u003c\/p\u003e\n\u003c\/div\u003e","brand":"Unknown","offers":[{"title":"Default Title","offer_id":47000580391148,"sku":"9780231216630","price":66.99,"currency_code":"NZD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0705\/7784\/8556\/files\/8223003482270.jpg?v=1763286779"}],"url":"https:\/\/bookhero.pro\/collections\/josh-lauer.oembed","provider":"Book Hero","version":"1.0","type":"link"}