Credit Scoring as a Carceral Practice: An Abolitionist Framework

The practice of credit scoring is ubiquitous in today’s economy. Three-digit credit scores or their underlying data are applied well beyond the lending decisions for which they were originally designed and are routinely used in the contexts of employment, housing, and more. Drawing on carceral logic...

Full description

Saved in:  
Bibliographic Details
Authors: Friedline, Terri (Author) ; Stewart, Kimberlee (Author) ; Bolinger, Carson (Author) ; Wood, Anna K. (Author)
Format: Electronic Article
Language:English
Published: 2024
In: Race and social problems
Year: 2024, Volume: 16, Issue: 2, Pages: 230-248
Online Access: Volltext (lizenzpflichtig)
Journals Online & Print:
Drawer...
Check availability: HBZ Gateway
Keywords:

MARC

LEADER 00000caa a22000002 4500
001 1888278854
003 DE-627
005 20240513024356.0
007 cr uuu---uuuuu
008 240512s2024 xx |||||o 00| ||eng c
024 7 |a 10.1007/s12552-023-09406-6  |2 doi 
035 |a (DE-627)1888278854 
035 |a (DE-599)KXP1888278854 
040 |a DE-627  |b ger  |c DE-627  |e rda 
041 |a eng 
084 |a 2,1  |2 ssgn 
100 1 |a Friedline, Terri  |e VerfasserIn  |0 (DE-588)1241555451  |0 (DE-627)1771285729  |4 aut 
109 |a Friedline, Terri  |a Friedline, Terri L. 
245 1 0 |a Credit Scoring as a Carceral Practice: An Abolitionist Framework 
264 1 |c 2024 
336 |a Text  |b txt  |2 rdacontent 
337 |a Computermedien  |b c  |2 rdamedia 
338 |a Online-Ressource  |b cr  |2 rdacarrier 
520 |a The practice of credit scoring is ubiquitous in today’s economy. Three-digit credit scores or their underlying data are applied well beyond the lending decisions for which they were originally designed and are routinely used in the contexts of employment, housing, and more. Drawing on carceral logics and abolitionist politics, we develop a framework to critically interpret the practice of credit scoring. We theorize credit scoring as a carceral practice and technology in the afterlife of slavery that expands anti-black discipline and punishment. We suggest that credit scoring is incapable of objectively assessing risk and that claims of objectivity legitimize an exploitative system of evaluation that mediates people’s access to the means of survival. Moreover, credit scoring expands the scope of how people are conscripted into consumerism and disciplined and punished under racial capitalism. We review research literature on credit scoring as a step toward applying this framework and demonstrate how research provides an alibi for anti-black racism embedded in contemporary credit scores. We conclude with a call to abolish the practice of credit scoring and imagine new, abolitionist alternatives for people to live safely and with dignity. 
650 4 |a Racial capitalism 
650 4 |a Abolition 
650 4 |a Surveillance 
650 4 |a Slavery 
650 4 |a FICO 
650 4 |a Credit score 
700 1 |a Stewart, Kimberlee  |e VerfasserIn  |4 aut 
700 1 |a Bolinger, Carson  |e VerfasserIn  |4 aut 
700 1 |a Wood, Anna K.  |e VerfasserIn  |4 aut 
773 0 8 |i Enthalten in  |t Race and social problems  |d New York, NY [u.a.] : Springer, 2009  |g 16(2024), 2, Seite 230-248  |h Online-Ressource  |w (DE-627)599675403  |w (DE-600)2493937-7  |w (DE-576)30701682X  |x 1867-1756  |7 nnns 
773 1 8 |g volume:16  |g year:2024  |g number:2  |g pages:230-248 
856 4 0 |u https://doi.org/10.1007/s12552-023-09406-6  |x Resolving-System  |z lizenzpflichtig  |3 Volltext 
912 |a NOMM 
935 |a mkri 
951 |a AR 
ELC |a 1 
LOK |0 000 xxxxxcx a22 zn 4500 
LOK |0 001 4522099215 
LOK |0 003 DE-627 
LOK |0 004 1888278854 
LOK |0 005 20240512043605 
LOK |0 008 240512||||||||||||||||ger||||||| 
LOK |0 035   |a (DE-2619)KrimDok#2024-05-11#419BBB3E5988D5C807F84001C1D44CA08869DF05 
LOK |0 040   |a DE-2619  |c DE-627  |d DE-2619 
LOK |0 092   |o n 
LOK |0 852   |a DE-2619 
LOK |0 852 1  |9 00 
LOK |0 935   |a zota 
ORI |a SA-MARC-krimdoka001.raw