If there was a way to write a negative star I would. Recently I change phone services to T-Mobile. They use Nexus Lexis to evaluate credit. I didn’t worry too much about it as I have outstanding credit.You can imagine my shock when I received a letter from T-Mobile saying that my Credit was lousy and there were certain things they wouldn’t do with me. I was shocked! Upon further investigation I found a Nexus Lexis used public records to determine my credit score according to them. They claim that the reason my score according to them was low was because I had moved to many times. That was a joke as as I’ve only moved three times in the last 30 years. When I looked at my own public records I saw addresses for an old business, a rental property, and a listing for a house I own with my former husband. They didn’t do a thorough investigation and passed it off as if they knew what they were talking about. That T-Mobile uses them is frightening - that anyone would use such a sloppy organization is truly depressing.