LexisNexis C.L.U.E.
The insurance history report insurers use to set your rates
What LexisNexis C.L.U.E. Tracks
- Auto insurance claims history (up to 7 years)
- Homeowner and renter insurance claims history (up to 7 years)
- Claims inquiry history (when you asked about filing but didn't)
- Policy cancellations
- Coverage lapses
Who Uses LexisNexis C.L.U.E.?
Most major US auto and homeowner insurance companies use C.L.U.E. reports when setting rates for new policies and renewals.
How to Get Your Free Report
Request your free C.L.U.E. report once per year at the LexisNexis consumer portal: consumer.risk.lexisnexis.com, or call 866-312-8076.
How to Dispute Errors
Dispute inaccurate information at the LexisNexis consumer portal or in writing. LexisNexis must investigate within 30 days under FCRA.
Under the Fair Credit Reporting Act (FCRA), consumer reporting agencies must investigate disputes within 30 days and correct or remove information they cannot verify.
Frequently Asked Questions
What is the C.L.U.E. report?
The Comprehensive Loss Underwriting Exchange (C.L.U.E.) is a database maintained by LexisNexis that contains up to 7 years of your auto and homeowner insurance claims history. Most major insurers use it when setting rates for new policies.
How does my C.L.U.E. report affect my insurance rates?
Insurers use your C.L.U.E. report to assess your claims history. Frequent or high-cost claims in the past 7 years can result in higher premiums or, in some cases, denial of coverage. A clean claims history typically results in better rates.
Does asking about a claim affect my C.L.U.E. report?
Possibly. Some insurers report claim inquiries (when you called to ask about filing) to C.L.U.E. even if you never actually filed. These inquiry records can still flag your history to future insurers. Always check your policy and ask your insurer before filing a small claim.
Does the C.L.U.E. report affect my FICO credit score?
No. The C.L.U.E. database is separate from the three major credit bureaus and does not affect your FICO credit score. It only affects your insurance coverage eligibility and rates.
How do I get a free copy of my C.L.U.E. report?
You can request one free C.L.U.E. report per year at consumer.risk.lexisnexis.com or by calling 866-312-8076. As a consumer, you're entitled to a free annual report under the Fair Credit Reporting Act.