Credit reporting is a pervasive but overlooked form of financial surveillance that investigates and commoditizes individuals Josh Lauer, doctoral candidate at the University of Pennsylvania's Annenberg School for Communication, April 2008, Technology and Culture Volume 49 Number 2, ?From Rumor to Written Record: Credit Reporting and the Invention of Financial Identity in Nineteenth-Century America,? http://muse.jhu.edu/journals/tech/summary/v049/49.2.lauer.html