Negotiations. When you go to a new job and they tell you "How much do you make at your current position? Tell us, you have nothing to hide." what do you do?
I can't quite find where I first saw this, but googling a bit brings up a few interesting example. For instance, http://99u.com/articles/15527/the-age-of-salary-transparency
While this tactic does fall into the grey area of morality, it is quite effective.
I also don't think they'll be able to do an equifax/transunion lookup without your permission. And it's perfectly reasonable to say no to that, as credit checks are bad for your credit.