A C.L.U.E. (Comprehensive Loss Underwriting Exchange) report provides a history of your property insurance claims for homes, rentals, and vehicles. It’s offered by LexisNexis Risk Solutions, and the information in the report is subject to Federal Fair Credit Reporting Act (FCRA) guidelines.
I’ve heard many stories of people having misinformation on their CLUE report, so be sure to check it every year.
What Is a CLUE Report?
A CLUE report is a summary of a person’s auto or home insurance claim history that all major insurance companies consult when they take on a new customer. The CLUE database, which is run by LexisNexis, lets insurers see any claims that a new customer has filed within the last seven years. Verisk offers a similar report, known as A-PLUS, but it’s less commonly used than CLUE.
Every claim that you file will end up on your CLUE report, even if you weren’t issued a ticket or found at-fault for the incident. Once your insurer sees your CLUE report, they may adjust your rates if you’ve neglected to inform them of all claims in your history.
This report is used when purchasing a home and getting insurance for a home, properties, and cars. The information in this report will affect the rates you pay – so it is imperative to make sure that it is correct.
How Much Does a CLUE Report Cost?
A CLUE report costs $0 for your personal report from LexisNexis. Individuals are entitled to one free copy of their LexisNexis CLUE report each year, while additional reports ordinarily cost $19.95 each. LexisNexis customer service representatives say there is no charge for customers to access additional copies of their own reports, though.
How to Get Your CLUE Report for Free
To view your CLUE report, you must request your entire LexisNexis personal report. You can request a copy of your report from LexisNexis Risk Solutions online or by phone:
- Online: LexisNexis Personal Reports
- Phone: (866) 312-8076
The Fair Credit Reporting Act entitles you to a copy of your report from any consumer reporting agency, including LexisNexis’s CLUE, for free once per year.
How to Dispute CLUE Report Errors
In light of the CLUE report’s direct impact on your wallet, understanding the contents of your file and checking it for errors is extremely important. The good news is – much like with your credit report – you can request, review, and dispute items in your CLUE report.
Contact Your Insurer: If your current insurer has made an error in what they’ve reported to LexisNexis, you should contact them immediately and notify them of the error.
Contact LexisNexis: They will investigate the errors and the nature of the dispute and remove any information that is found to be incorrect.
You can contact the LexisNexis consumer care center by:
- Phone: 888-497-0011
- Email: documents@lexisnexis.com
- Mail: LexisNexis Risk Solutions Consumer Center / O. Box 105018 / Atlanta, GA 30348-5108
Add a Personal Statement: You can add personal statements to your report to clarify claims or details.
Sample CLUE Report
CLUE Report Tips
- Claims stay on your CLUE report for seven years. Knowing when claims will age out of your report can help you know when to expect a rate drop from your current insurer or when to shop for a new one.
- You are legally entitled to know why an insurer denies you coverage, even if it was because of negative information from CLUE or other reports such as your credit history or driving record.
- Know your FCRA rights regarding consumer reporting. You are entitled to free copies of your CLUE report, an annual free copy of your credit report, and copies of your driving record from your state’s DMV.
- State governments regulate insurance and privacy rights. If you have concerns about a claims history report you cannot resolve, contact your state insurance commissioner.
