Anyone who has recently applied for a mortgage knows that lenders are already looking much more closely at your financial affairs. But soon, they’ll be able to easily delve into the deepest recesses of your financial life, accessing information that never before appeared on your credit report.

CoreLogic and FICO partnered last year to offer lenders an alternative credit score for more predictive scoring, which includes data previously not used in credit scoring, from a borrowers cell phone bill, utilities, payday loan activity, to child support judgments, evictions, property tax liens, the status of homeowner’s association dues, whether or not a borrower is underwater on their current home, or whether a borrower owns other properties that credit agencies typically miss.