Lexis Nexis has 10+ individual reports on each consumer, and each report contains everything you’ve ever done or been associated with on your life. All these things are there so that LN can assign you a “risk score” which companies, banks, lenders and businesses use to determine how “responsible” you’ll be with credit. This goes beyond your credit report (which is becoming less & less important to lenders). The avg LN file has over 200 pieces of data about you. It’s the reason your car insurance is high, your life insurance policy, the constant denials of credit, the high interest on your car or loans, the lack of business funding you’re receiving and more...