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Equipping entrepreneurs: consuming credit and credit scores

Langley, P.

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Abstract

On-line products that make an individual's credit score an object of consumption and equip credit consumers with the capacity to improve their score are shown to exemplify two sets of dynamic tendencies to change in mass market consumer credit. First, as credit consumers are differentiated, sorted and targeted by lenders according to credit scores, they are no longer merely disciplined as individual bodies responsible for making repayments. Rather, and after Deleuze, they are “controlled” through the risk-based prices that they pay as an array of disaggregated “dividuals.” Second, the credit consumer is summoned-up as an entrepreneurial subject, in the terms of Foucault, a rational and hopeful figure. The credit consumer now appears as a subject who not only anxiously meets repayments, but who seeks rewards from managing uncertainties over future access to credit at competitive rates by investing optimism in the very mechanisms of marketized control that govern credit relations.

Citation

Langley, P. (2014). Equipping entrepreneurs: consuming credit and credit scores. Consumption, Markets and Culture, 17(5), 448-467. https://doi.org/10.1080/10253866.2013.849592

Journal Article Type Article
Publication Date Jan 1, 2014
Deposit Date Nov 20, 2013
Publicly Available Date Apr 8, 2015
Journal Consumption, Markets and Culture
Print ISSN 1025-3866
Electronic ISSN 1477-223X
Publisher Taylor and Francis Group
Peer Reviewed Peer Reviewed
Volume 17
Issue 5
Pages 448-467
DOI https://doi.org/10.1080/10253866.2013.849592
Keywords Consumer credit, Credit scoring, Societies of control, Entrepreneurial subjects, Affect.

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