Your C.L.U.E. Report: What It Is and How to Check It for Free!


Your C.L.U.E. report is a little-known file compiled on you by the insurance industry that lets industry players track you as a customer even when you change insurers.

In this article, we’ll take a look at what info is contained in your report, we’ll explain how you can see your file for free and we’ll tell you how to challenge any incorrect info on your report.

Here’s What You Need to Know About Your C.L.U.E. Report

We’re all familiar with the idea of a credit report, but did you know there’s a credit-like report specific to the insurance field about claims you’ve filed?

Knowledge is power, as the old saying goes, and the more access you have to what insurers know about you, the better you are!

Table of Contents

What Is a C.L.U.E. Report?

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 and any claims you’ve made during that time frame.

Research firm LexisNexis owns and operates the Comprehensive Loss Underwriting Exchange.

What Information Is Contained on Your C.L.U.E. Report?

There are actually two flavors of the C.L.U.E. report. There’s one for personal property loss pertaining to your house and one for auto losses.

Your C.L.U.E. report contains claims information that’s supplied by insurance companies. Here’s a list of what you’ll find on yours if you’ve made any claims within the last seven years:

  • Date of loss
  • Loss type
  • Amount the company paid
  • Policy number
  • Claim number
  • Insurance company name

If you’ve never had a claim, you would most likely have a clear report.

How Can I See My C.L.U.E. Report?

LexisNexis lets you request a copy of your consumer file once every 12 months. To get started, simply go here.


You’ll be asked to provide the following information:

  • Full name
  • Social Security number
  • Date of birth
  • Daytime phone number
  • Home phone number
  • Current address

Once you do that, you’ll also have to answer several questions to verify your identity. These question may include:

  • Who acted as the LENDER in the original transaction for the property in question?
  • Which of the following STREETS have you PREVIOUSLY or CURRENTLY used as your address?
  • Which of the following CITIES have you PREVIOUSLY OR CURRENTLY used as your address?
  • What was the SALE PRICE when you purchased the property?

At this time, the only two options for ordering your reports are online or over the phone. However, no matter which way you do it, the reports you request will be mailed to via snail mail. This process can take up to 15 days, according LexisNexis.

You must be the owner of the home or vehicle you’re requesting a report on, or a renter in a property where a loss was reported. However, you can’t do it speculatively for a car or property you’re thinking about buying.

What Can You Do if There’s Incorrect Info on Your C.L.U.E. Report?

LexisNexis has a dispute resolution process in place if you find incorrect info on your C.L.U.E. report.

To file a dispute, either call LexisNexis at 888-497-0011 or write to them at LexisNexis Consumer Center, P.O. Box 105108, Atlanta, GA, 30348.

Once LexisNexis hears from you, they have 30 days to open up an inquiry into the info you’re disputing. They’ll either agree with you and change what they have in their files, or explain why they believe the info they have on record is correct.

Either way, the company will let you know their decision by mail no later than five business days after the completion of the re-investigation.

How Can a C.L.U.E. Report Benefit You as a Home Seller?

If you’re selling in a tough real estate market where sellers need every advantage they can get, money expert Clark Howard believes 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 free personal property report on your residence and make it available for prospective buyers to see?” Clark suggests. “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.”

Of course, the buyer will get the property inspected as a condition of purchase — as Clark recommends in step #7 of his How to buy a house in 9 steps guide. 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.


Meanwhile, while we’re on the topic of insurance, be sure to check our guide to the best and worst auto insurance companies and its companion piece, our guide to the best and worst home insurance companies.

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