Lenders have a new tool for examining your financial affairs.

A company called CoreLogic has introduced "Score," a credit file which accesses information never before used on credit reports.

CoreLogic gathers information, such as late rental payments that have gone to collection, applications for payday loans, property tax liens and late neighborhood association dues.  Even payments to the electric company are included.

All of this information helps the company look deeper into payment histories, and most of it is available through the public records system.

CoreLogic says the idea is to supplement what the major credit bureaus find. Experian, Equifax and TransUnion only search public records for bankruptcy, tax liens and judgments.

The added information has the potential to hurt consumers with previously undetected blemishes.

Not everyone is comfortable with the extra information being shared. Attorney Chi Chi Wu with the National Consumer Law Center says there is often more to the story than numbers on a screen.

"If there are mice running around, if you don't have any hot water, you're allowed to not pay the rent under some jurisdictions. Is the new credit report going to reflect that?" she asked.

Including the new information, however, may help some people. Borrowers who have insufficient credit history under the traditional bureaus may show positive behaviors elsewhere, making payments on time.

The service is being marketed to employers and insurers as well.

With even more personal information being shared, experts agree, consumers should check for errors that may hurt loan possibilities.