LexisNexis provides all lenders with information that influences loan application decisions. This data predicts the likelihood of repayment. Lenders compare the details you provide on your loan application with the information in LexisNexis. If discrepancies exist, the lender will deny your loan. LexisNexis employs a proprietary linking system that connects all your personal information, both positive and negative. LexisNexis reports include: every property you’ve owned along with its value and sale prices; your home’s building materials; details about your Homeowners Association, including bed, bath, and roofing specs; air conditioning units; deeds and mortgages; associated title companies; interest rates; loan amounts, terms, and types; all your phone numbers and email addresses; every license, firearm, mortgage, and violation you have; traffic tickets, felonies, misdemeanors, and sex offender records; variations of your name; your marriage and divorce records; every vehicle you’ve owned, including their VIN numbers; all your past insurance policies; every business affiliation; family information, including details about your children; loans and leases; aircraft and boat ownership records; public records like bankruptcies, judgments, and lawsuits; educational records, including degrees earned, schools attended, and graduation dates; military records; online marketing records; and records of requests for short-term credit offers.