ADP is one of the largest paycheck processors in the United States. But almost no one realizes that if their paycheck comes through ADP, their salary information is being sold. Remember, this is also a company that knows when you've been hired, fired, has your Social Security Number, and a lot of other very personal financial information. According to a New York Times article from a few years ago, ADP is selling you out worse than even the cell phone companies. Yet, there was zero uproar about it that I noticed.

As for bank balances, I was very surprised to learn recently that bank balances are not part of credit scoring. I have a substantial amount of emergency savings. The last time I pulled my credit reports, it wasn't on any of them.