As Americans spend more of their lives online, companies are finding an increasing number of ways to follow our data trails and find out all sorts of things about our spending habits, our likes and our dislikes.

The information is being used to determine things like a person’s access to credit, employability and insurance coverage.

Eight Forty-Eight guest Kevin Johnson discussed a letter he received from a credit card company that said they lowered his credit limit because of where he shopped.

Lori Andrews, a professor at Chicago-Kent College of Law, explained the legal implications.

And Erin Peterson, head of talent acquisition for Aon Hewitt, answered why employers care more and more about candidates’ social media profiles.