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Stained in Red

Rachel O’Dwyer: Credit Data, 4 April 2019

Creditworthy: A History of Consumer Surveillance and Financial Identity in America 
by Josh Lauer.
Columbia, 352 pp., £27, September 2018, 978 0 231 16808 3
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... therefore, on an assessment of whether or not to trust that promise. It’s a risky business. Josh Lauer traces the history of credit scoring – a means of quantifying this risk – back to the 1840s. Of course, merchants had always had ways of deciding which among their customers should be given credit, and ledgers are full of accounts of local ...

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