Cloud storage services with two-factor include Dropbox, Google Drive and Microsoft's Sky Drive.

CNN: Six tech resolutions for 2013

Vic Tanon, chief simplicity officer at Emplicity, an organization that consults in hiring practices across the U.S., says a bad credit rating is likely to be more of a factor in certain industries like financial services.

FORBES: A Bad Credit Score Affects A Lot More Than Credit

He said the alteration of evidence by the police and other emergency services was also a supporting factor, along with stadium safety.

BBC: Hillsborough inquests date set for next week