Your C.L.U.E. report: What it is and how to check it for free!

Your C.L.U.E. report: What it is and how to check it for free!
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Knowledge is power, as the old saying goes, and the more access you have to what insurers know about you, the better you are.

Insurers compile something on you known as a Comprehensive Loss Underwriting Exchange (C.L.U.E.) report. It contains a seven-year snapshot of info about you, including a list of any claims you’ve made.

Some insurance companies, when you call up and ask questions, will log it on your C.L.U.E. report. This is a tactic that makes other insurance companies not want to insure you.

But the good news is you can order your free C.L.U.E. report once a year just like you can with your credit report. If something turns up false, you can challenge it through the dispute process.

Research firm LexisNexis now administers the exchange and gives you free access to your C.L.U.E. reports once a year.

Read more: The $15 insurance policy all renters need

C.L.U.E reports come in two flavors

There’s one for personal property loss pertaining to your house and one for auto losses. You must be the owner of the home or vehicle you’re requesting a report on; you can’t do it speculatively for a car or property you’re thinking about buying.

Here’s how a C.L.U.E. report can benefit you: Sellers need every advantage they can get in today’s real estate market. A C.L.U.E. report can be one piece of the puzzle. If you’re trying to sell your home, why not request the personal property report on your residence and make it available for prospective buyers to see? That way they know there’s no hidden damage that you made an insurance claim about but didn’t otherwise disclose. It’s peace of mind for a buyer.

Sure, the buyer will get the property inspected as a condition of purchase, but having the C.L.U.E. report handy is just another way to ensure them they’re not buying a property loaded with hidden problems that got passed on to the insurer.

Visit to request your free C.L.U.E. reports. You will have to give your Social Security number and they do charge if you need a homeowners report on more than one address. While you’re there, you can also request an employment history report and resident history report on yourself for nada.

Read more: The top home insurers of 2016

Comprehensive Loss Underwriting Exchange report: How to check it for free and why you should! Comprehensive Loss Underwriting Exchange report: How to check it for free and why you should!

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Theo Thimou About the author:
Theo has co-written several books with Clark Howard, including the New York Times #1 bestseller Living Large in Lean Times. As a single widowed parent of two young children, he strives to bring unique savings tips to men and women like him who must face life without their spouses. He can be reached at [email protected]
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