Is a CLUE report a consumer report?

CLUE is a claims-information report generated by LexisNexis®, a consumer-reporting agency. The report generally contains up to seven years of personal-auto and personal-property claims history.

What is a CLUE report?

C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history database produced by consumer reporting agency LexisNexis® that enables insurance companies to access consumer claims information when they are underwriting or rating an insurance policy.

Can I view my CLUE report online?

You can view your CLUE report online by going to the LexisNexis website and filling out their electronic request form. LexisNexis is the consumer reporting agency that produces CLUE reports to provide information about individuals and properties to organizations like banks and insurance companies.

Can I order my own CLUE report?

However, you can ask the current owner of the property to order a C.L.U.E. report. How can I obtain a copy of my C.L.U.E. report? Under the federal Fair Credit Reporting Act, you can request a copy of your C.L.U.E. report from LexisNexis toll-free at 1-866-312-8076 or by visiting consumer.risk.lexisnexis.com.

How long does a claim stay on your CLUE report?

5-7 years
Claims generally stay on a CLUE report 5-7 years from the date filed.

How far back does CLUE report go?

C.L.U.E. reports go back five years into the history of a property. It’s standard industry practice to purge losses over five years old.

How long does it take to get CLUE report?

The report takes about 7-10 days via mail or 3 days via email. You can also request a report by calling 1-866-312-8076. A home buyer can ask the home seller to request the report as part of the sale. Homeowners can ask their insurer whether information from a C.L.U.E.

Who can obtain a copy of a CLUE report?

Only homeowners and insurance providers can officially request a CLUE report, but you can request a copy from the home seller to learn more about a property’s history. Most home insurance companies contribute claims history information to the CLUE database, which is maintained by research company LexisNexis.

How long does it take to get a CLUE report?

about 7-10 days
The report takes about 7-10 days via mail or 3 days via email. You can also request a report by calling 1-866-312-8076. A home buyer can ask the home seller to request the report as part of the sale. Homeowners can ask their insurer whether information from a C.L.U.E.

How do I dispute my CLUE report?

LexisNexis has a dispute resolution process if you need to contest something on your CLUE report. To file a dispute, call 888-497-0011 or write to LexisNexis Consumer Center, P.O. Box 105108, Atlanta, GA 30348.

How many homeowner claims is too many?

In general, there is no set amount to home insurance claims you can file. However, two claims in a five year period can cause your home insurance premiums to rise. Over two claims in the same period may affect your ability to find coverage and even lead to a cancelled policy.

Can a buyer ask for a CLUE report?

Only the owner of a property or an insurer can request a C.L.U.E. report. The request must come from the property seller/owner if you’re representing the buyer.