You are being graded and given a score based on a multitude of financial details in your life, whether you like it or not. Rent and billing history, loans, credit card purchases... every financial move you make. Of course we're talking about what's known as your FICO Credit Score. And all the data you never agreed to have surveilled? It was hacked and stolen back in 2017 due to a data breach of one of the big three credit bureaus, Equifax. In this episode Maurice lays out the history of credit surveillance, from individual banks handing out loans based on "vibes" more than anything, to trusting the insecure data systems that led to the 2017 Equifax breach. And all along the way, it's America's Black population that disproportionately suffers the consequences of these experimental models in credit surveillance and lending. Joining this episode to discuss why our models of credit scoring for lending have impacted Black and other marginalized populations is Tamara K. Nopper, senior