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New Member
samset93
Posts: 33
Registered: ‎03-19-2013
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Re: Amex spying on my Linkedin


ibmrad7 wrote:

CreditHammer wrote:

It was either a coincidence or the analyst was breaking some pretty major laws! Maybe call Amex back and ask for the name of the Analyst who helped you yesterday and see if it was the same person who looked at your linkedin?


This ^^^^^^

Absolutely make a fuss about it. He could have ran your name on his own but he is part of AMEX's domain.


This is exactly what I'm worried about. He saw the request on AMEX's system and one reason or another became interested in looking up your name. I imagine there is some kind of non-disclosure agreement between Amex and their employees who have access to SSN, DOB, name, address, etc of ccholders and if there is and if this was the case (looking up your name on his own time for his own interest) the analyst is breaking an agreement.

 

*But again this is just another possibility, it might just be a common practice by Amex to analyze credit risks.





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New Member
CreditHammer
Posts: 120
Registered: ‎05-14-2013
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Re: Amex spying on my Linkedin

I looked it up and the law isn't crystal clear on the matter but this what I found and hopefully will shed some light!

 

Apparently they can look at your social networking sites if they are marked public and use what they see to make a decision on your application. However, most companies have steered away from this as the creditor must be able to provide evidence that the "visit" was for business use only.. So, if a customer service rep gets Suzie Smith on the phone calling into make a phone payment and the rep thinks she sounds cute and goes to her facebook page to check out what she looks like, then the rep can be fired and the company can be sued for harassment.. BUT, if the she calls in for a CLI and the analyst goes to her page then that looks like a more legitimate reason for the company to be on her page since she is calling in for more credit.. So, if the person wanted to they could fight it.. but the company better have pretty good reason to be on her social networking page..

 

That’s the information that I came away with.. hope this helps!

Senior Contributor
john398
Posts: 3,521
Registered: ‎01-19-2009
0

Re: Amex spying on my Linkedin

Sounds a little 'stalkish' to me

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09Lexie
Posts: 25,954
Registered: ‎09-13-2012
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Re: Amex spying on my Linkedin

A little creepy too I would think they have more tangible data to rely on then using social media.
Regular Contributor
Drew
Posts: 209
Registered: ‎03-27-2007
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Re: Amex spying on my Linkedin

What's your LinkedIn name op? I'll get to the bottom of this.

 

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Established Contributor
chan85
Posts: 554
Registered: ‎03-13-2011
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Re: Amex spying on my Linkedin


CreditHammer wrote:

I looked it up and the law isn't crystal clear on the matter but this what I found and hopefully will shed some light!

 

Apparently they can look at your social networking sites if they are marked public and use what they see to make a decision on your application. However, most companies have steered away from this as the creditor must be able to provide evidence that the "visit" was for business use only.. So, if a customer service rep gets Suzie Smith on the phone calling into make a phone payment and the rep thinks she sounds cute and goes to her facebook page to check out what she looks like, then the rep can be fired and the company can be sued for harassment.. BUT, if the she calls in for a CLI and the analyst goes to her page then that looks like a more legitimate reason for the company to be on her page since she is calling in for more credit.. So, if the person wanted to they could fight it.. but the company better have pretty good reason to be on her social networking page..

 

That’s the information that I came away with.. hope this helps!


I work for a diff CC company, and I have seen where the credit analysts will go and check linked in when customers are requesting a CLI and document on our internal notes that based on linked in profile customer is a "insert profession here" and then "avg salary is typically x for this positions", and include whatever info they found on review of your credit file if they see fit, followed by approval or denial of CLI.

 

Basically it looks to me like they are making sure you are capable of handling the increase. So if you lie and say you make 200k a year and you are an astronaut, and then they look at your profile and it says you are "actively seeking employment" and your last job was the fry line guy at Wendy's, they probably won't give you that CLI.....:smileyvery-happy:

 

I think you are fine. I wouldn't sweat it. If I were you and that concerned about people or companies looking at my profile, maybe set it to private so they can only view it if you are connected?

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thom02099
Posts: 1,326
Registered: ‎08-30-2011
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Re: Amex spying on my Linkedin

Just one more reason NOT to use social media!  What YOU don't know (about your privacy or lack thereof) CAN hurt you.

 

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toppers555
Posts: 551
Registered: ‎09-28-2012
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Re: Amex spying on my Linkedin

Nah I am not really that concerned. Was more or less just am interesting thing that happen. As a programmer I am use to having random ppl review my LinkedIn



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Established Member
ForumPheen
Posts: 40
Registered: ‎05-07-2013
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Re: Amex spying on my Linkedin

I don't see why Amex has the need to look at a person's profile for any given reason before giving a decision. They've operated for years without it before social networks were prevalent. So yes, should you get denied, I would look to that as part of the reason, regardless of what they say.

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09Lexie
Posts: 25,954
Registered: ‎09-13-2012
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Re: Amex spying on my Linkedin


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