I caught wind of a supposedly new credit reporting tool called CoreLogic. This is going to be coupled with the traditional credit reporting agencies -- equifax, experian, and transunion -- and is supposed to provide additional, often unseen information to creditors about those who they lend credit to. It's supposed to include things like mortgage history, old tax information, financial obligations from court, and even child support money that you still owe. Now, I know there have been a lot of people who have defaulted in the last few years and have spent their money poorly, and even some who spent a lot of money that they didn't have. But this, to me, doesn't seem necessary. Is there really going to be one key piece of material in those findings that creditors can't live without? Or would that single piece of information really be enough for them to say "No, we won't lend you money because NOW we know that you're irresponsible". I like the idea behind this -- yes, creditors must be more thorough than previously before shelling out dollar bills to anyone with a pulse. But will CoreLogic be the tool to provide that? Or does the problem lie with the creditors themselves? Or are both parties at fault?