Once you enter your name, phone number, address and birthday during Basis registration, a LexisNexis RiskView Optics score is generated leveraging advanced alternative data insights from Lexis Nexis Risk Solutions. This risk score ultimately determines eligibility for financing. The LexisNexis RiskView Optics score that is used to determine financing eligibility is NOT a traditional FICO score, and will not show up or impact your FICO credit report.

Unfortunately, we cannot pinpoint to a specific factor as our underwriting takes into account hundreds of variables. However, there is no fee to reapply.