In California, employers can’t seek the arrest record of a potential employee (even though arrest record information is public record). If an applicant is out of jail but awaiting trial, employers can inquire regarding an arrest.

There are exceptions for certain arrests when the applicant will be employed in health care and have access to patients or drugs.

Credit reports are compiled by a credit reporting agency and contain data from many different sources. They are commonly used to make decisions about a person’s ability to obtain credit, employment, insurance and rent or purchase a home. Government agencies also use credit reports during the course of investigations.

We often hear people use the terms credit report and credit score interchangeably without realizing they are different. It’s understandable since credit scores and credit reports are related (credit scores can be based upon information found in a credit report). Both may be used by financial institutions, employers and others to make critical decisions affecting your ability to obtain a line of credit, loan, employment, insurance or rental. However, credit reports and credit scores are used for different purposes, come with very different rights and aren't equally transparent.

Yes.  If you don't pay attention to the permissions, you may give apps access to more information than you'd like. Android and iOS both provide tools (in the settings) that allow you to have some control over whether an app can get or use specific types of data.  An app may need to access your contacts list to add friends, or it might need to be able to use the camera to remotely deposit a check at your bank. An app might also be collect information that seems unrelated to its purpose, like a flashlight app accessing your contacts.