James McGirk

Part three of the History of Credit, Credit Intelligence, and Credit Scoring which charts the gradual development of scoring and how it spread, eventually contributing to the credit crisis of 2009. Decentralized scoring is proposed as a potential solution.

The second in our educational series detailing the history of credit, credit intelligence, and credit scoring. This article focuses on credit intelligence, which grew from informal rumor-mongering to a sophisticated surveillance empire.

Civilization has gradually reframed borrowing from a zero-sum game of obligation to a mutually beneficial agreement. The first in a three-part series dedicated to the history of credit, credit intelligence, and credit modeling.