The financial crisis of 2007-2009 underscored the centrality of consumer credit for modern economies. While some Europeans were quick to blame unsustainable American patterns of borrowing and consumption, consumer indebtedness became a growing problem in other countries, too. At the same time, important differences in cultures of credit were evident in the seemingly homogenous global world of finance and consumption.
This book explores the history of consumer credit in Europe, the United States, and Japan. It focuses on the period after World War II but also reaches further back, and it integrates anthropological and economic perspectives.
Table of Contents
Towards a Global History of Credit in Modern Consumer Societies Jan Logemann * PART I: Lenders and Lending Practices * Selling Televisions on Credit: The Rise of Consumer Credit in Postwar France Isabelle Gaillard * Moral or Modern Marketing? Sparkassen and Consumer Credit in West Germany Rebecca Belvederesi-Kochs * Credit in a Nation of Savers: The Growth of Consumer Borrowing in Japan Andrew Gordon * PART II: Borrowers and Credit Access * The Business of Working-Class Credit: Subprime Markets in the United Kingdom since 1880 Sean O'Connell * American Women's Struggle to End Credit Discrimination in the Twentieth Century Lawrence Bowdish * Virtually Creditworthy: Privacy, the Right to Information, and Consumer Credit Reporting in West Germany, 1950 1985 Larry Frohman * PART III: State Regulation and Credit Policies * Banking on Consumer Credit: Explaining Patterns of Household Borrowing in the United States and France Gunnar Trumbull * French Consumer Credit Policy in the 1950s and 1960s: From Opposition to Control Sabine Effosse * From Cradle to Bankruptcy? Credit Access and the American Welfare State Jan Logemann * PART IV: Cultures of Credit * Economic Agents and the Culture of Debt Silke Meyer * Japan and the Western Model: An Economist's View of Cultures of Household Finance Charles Yuji Horioka * 'Ahead a Good Deal': Taking the Long View of Household Debt and Credit in American Life Lendol Calder
Jan Logemann is a research fellow at the German Historical Institute in Washington, D.C. and director of the project "Transatlantic Perspectives: Europe in the Eyes of European Immigrants to the United States, 1930 1980." His work focuses on modern consumer societies and includes the forthcoming book, Trams or Tailfins: Public and Private Prosperity in Postwar West Germany and the United States.
Bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. It can also mean paying a bundle more (in rates and fees) for any loans or credit you do get. If you have a low credit score, you ll end up paying substantially more in interest and fees to get a mortgage, car loan, credit card, or other loan. If your credit is really bad, you ll have to turn to subprime lenders, which are almost always a rip-off. And bad credit could even affect your ability to get a job. 1 out of 5 credit reports have errors. One out of five credit reports contain errors. More serious errors could result in a denial of credit or higher credit costs.
Use this comprehensive how-to manual to rebuild bad credit and protect and improve good credit. Learn how to: fix errors in your credit report (1 out of 5 credit reports contain errors), choose the best credit repair strategy for your situation, avoid overspending, establish a realistic budget, negotiate with creditors to reduce debts, add positive information to your credit report, avoid identity theft and credit scams, and more.
This edition of "Credit Repair" is completely updated with the latest legal developments, and includes dozens of forms and letters that will help you spruce up your credit report as easily as possible!
Amy Loftsgordon has worked in the area of foreclosure and debt collection for over ten years. Her broad experience includes helping people fight collection actions and enforcing debtors' rights under the Fair Debt Collection Practices Act. As part of a national settlement involving the mortgage industry, she has also reviewed servicer records to uncover extensive credit reporting errors. Amy received a B.A. from the University of Southern California and a law degree from the University of Denver Sturm College of Law. She is licensed to practice law in Colorado. Amy has authored numerous foreclosure, debt, and real estate articles on Nolo.com and updated the last edition of Nolo's The Foreclosure Survival Guide.
Robin Leonard is a former attorney who gave up the law to become a rabbi. She is the author of many Nolo books including Solve Your Money Troubles: Debt, Credit & Bankruptcy and Credit Repair. She also helped write How to File for Chapter 7 Bankruptcy and A Legal Guide for Lesbian and Gay Couples.
Attorney Margaret Reiter was a consumer investigator with the Los Angeles County Consumer Affairs Department for four years and worked for 20 years as a consumer prosecutor with the California Attorney General's Consumer Law Section. She has investigated or prosecuted businesses engaged in consumer fraud including foreclosure consultants, mortgage lenders, debt settlement companies, vocational schools, living trust mill/annuity sellers, prepaid phone card companies, and tax refund anticipation loan providers. She has drafted consumer protection legislation, advocated for stronger consumer protection before regulatory agencies and trained other prosecutors.
> Overview Bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. It can also mean paying a bundle more (in rates and...
Improve your credit score, for real, with the #1 best-selling guide you can trust!" Today, a good credit score is essential for getting credit, getting a job, even getting car insurance or a cellphone. Now, best selling journalist Liz Pulliam Weston has thoroughly updated her top-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours. Weston thoroughly covers brand-new laws and rules surrounding credit scoring including some surprising good news and some frightening new risks. Don t settle for an out-of-date guide to credit scoring, when "Your Credit Score, Fifth Edition " offers brand-new coverage of all this, and more:
" Your Credit Score " is for every consumer who is concerned about improving or protecting their credit and it s so up-to-date and useful, thousands of financial professionals use it, too!"
Liz Weston is an award-winning, nationally-syndicated personal finance columnist and the author of several books, including the best-selling "Your Credit Score." She s a contributing editor for Bankrate.com and writes about education and money for Reuters news service. Her question-and-answer column Money Talk appears in newspapers throughout the country, including the Los Angeles Times, the Palm Beach Post and the Portland Oregonian, among others. Liz has appeared on The Dr. Phil Show, NBC Nightly News, The Today Show and CNBC, among other programs. She is a regular commentator on public radio, including Marketplace Money s Getting Personal segments. She was awarded the 2010 Betty Furness Consumer Media Award by the Consumer Federation of America, designed to honor individuals who have made exceptional progress in American consumerism. Other honors include a 2007 Clarion Award for her MSN series on financial benchmarks and a 2008 Best in Business designation from the Society of American Business Editors and Writers. She participated in journalism teams that won a Pulitzer Prize for Meritorious Public Service in 1989 and a Gerald Loeb business journalism award in 1997. She has a bachelor s degree in economics and communications from Pacific Lutheran University and is a graduate of the Certified Financial Planner training program. Her other books include "Deal with Your Debt: Free Yourself from What You Owe," recently released in a second edition; "The 10 Commandments of Money: Survive and Thrive in the New Economy"; "There are No Dumb Questions About Money," and "Easy Money: How to Simplify Your Finances and Get What You Want Out of Life." She lives with her husband and daughter in Los Angeles and blogs at AskLizWeston.com."
> Overview Improve your credit score, for real, with the #1 best-selling guide you can trust!" Today, a good credit score is essential for getting credit, getting a job, even getting...
The Conspiracy of Credit is a must read. It contains the most raw and comprehensive information you will ever find on credit. If you ever wondered, why the credit bureaus want you to have bad credit or why credit is for poor people? This book will shock you with answers. Conspiracy of Credit explains why identity theft is nothing more than a new product created by the credit bureaus and banks to make money. This book will break 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.
> Overview The Conspiracy of Credit is a must read. It contains the most raw and comprehensive information you will ever find on credit. If you ever wondered, why the credit...
Credit Decoded is a unique look into how credit scores work. Readers enjoy a walk-through of the credit reporting and credit scoring system and learn what they can do to master their credit scores. Readers discover how their credit rights are protected by numerous consumer laws. They learn what can be done to improve their own credit through disputing and advanced credit improvement tactics. Credit Decoded leaves readers empowered with the knowledge, tools and confidence to build extraordinary credit profiles and scores
Edward Araujo is an author, speaker, and authoritative expert on personal and business credit scoring and credit law. He has analyzed over 5,000 credit reports giving him extensive knowledge on credit trending. Edward is a leader and mentor in the credit improvement industry. He is well known for providing free consumer credit education. Edward also donates his time teaching realtors, mortgage lenders, consumers and small business owners the ins and outs of the credit industry. Edward's ideas have helped thousands of consumers enforce their credit rights and dramatically improve their credit and quality of life.
> Overview Credit Decoded is a unique look into how credit scores work. Readers enjoy a walk-through of the credit reporting and credit scoring system and learn what they can do...
The one-stop-source powering Credit Scoring success, jam-packed with ready to use insights for results, loaded with all the data you need to decide how to gain and move ahead.
Based on extensive research, this lays out the thinking of the most successful Credit Scoring knowledge experts, those who are adept at continually innovating and seeing opportunities.
This is the first place to go for Credit Scoring innovation - INCLUDED are numerous real-world Credit Scoring blueprints, presentations and templates ready for you to access and use.
Also, if you are looking for answers to one or more of these questions then THIS is the title for you:
What are the publicly available data sets for credit scoring? What does positive credit scoring mean? What is the history of credit scoring? What companies have been successful with social credit scoring system for loans? What makes a credit scoring methodology robust? What are the costs associated with setting up a credit scoring company? How can a new credit scoring system/startup become an alternative standard? What are the most interesting new credit scoring methodologies? What are the most interesting startups in the credit scoring space now? What are possible approaches for variable binning techniques in credit scoring? What are good ways to create SME credit scoring model based on information available on corporate websites? How does personal credit scoring work? P2P Lending: Is there any open source credit scoring from P2P lending marketplaces? Whats the best model (or) combination of models for credit scoring using data mining techniques? ...and much more...
> Overview The one-stop-source powering Credit Scoring success, jam-packed with ready to use insights for results, loaded with all the data you need to decide how to gain and move ahead....
A guide on how Predictive Analytics is applied and widely used by organizations such as banks, insurance providers, supermarkets and governments to drive the decisions they make about their customers, demonstrating who to target with a promotional offer, who to give a credit card to and the premium someone should pay for home insurance.
Introduction; Project Planning, Sample Selection, Gathering and Preparing Data, Understanding Relationships in Data, Data Transformation (Pre-processing)Model Construction (Parameter Estimation) Validation, Model Performance and Cut-off Strategy, Sample Bias and Reject Inference Implementation and Monitoring Multi-model (Fusion) Systems
STEVEN FINLAY is an expert in credit risk management, with more than ten years experience of working within the financial services industry. He is currently a research fellow at Lancaster University, UK. He has also published "Consumer Credit Fundamentals" with Palgrave Macmillan.
> Overview A guide on how Predictive Analytics is applied and widely used by organizations such as banks, insurance providers, supermarkets and governments to drive the decisions they make about their...