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.
Everyone has an opinion about whether or not Donald Trump colluded with the Russians to defeat Hillary Clinton in 2016. The number of actors involved is staggering, the events are complicated, and it’s hard to know who or what to believe. Spygate bypasses opinion and brings facts together to expose the greatest political scandal in American history.
Former Secret Service agent and NYPD police officer Dan Bongino joins forces with journalist D.C. McAllister to clear away fake news and show you how Trump’s political opponents, both foreign and domestic, tried to sabotage his campaign and delegitimize his presidency. By following the names and connections of significant actors, the authors reveal:
• Why the Obama administration sent a spy connected to the Deep State into the Trump campaign
• How Russians were connected to the opposition research firm hired by the Clinton campaign to find dirt on Trump
• How the FBI failed to examine DNC computers after they were hacked, relying instead on the findings of a private company connected to the DNC and the Obama administraton
• Why British intelligence played a role in building the collusion narrative
• What role Ukrainians played in legitimizing the perception that Trump was conspiring with the Russians
• How foreign players in the two events that kickstarted the Trump-Russia collusion investigation were connected to the Clinton Foundation, and
• What motivated the major actors who sought to frame the Trump campaign and secure a win for Hillary Clinton