Who can request a CLUE report?
Asked by: Zoie Skiles PhD | Last update: July 21, 2023Score: 4.4/5 (36 votes)
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.
CAN I GET A CLUE report on a house I want to buy?
A C.L.U.E. report can only be requested by the owner of a property or an insurer, so if you are planning to buy a home and want to review a C.L.U.E. report, you will have to ask the owner to request it.
How do you get a LexisNexis CLUE report?
Please call to speak to a live LexisNexis Risk Solutions Consumer Center representative at 1-888-497-0011 or contact us by email at consumer.documents@LexisNexis.com. To submit a request, you are required to provide your First Name, Last Name, Street Address, City, Zip, and Date of Birth.
Can you view CLUE reports 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.
What is a CLUE report on a property?
A CLUE report shows the insurance claims filed for a property for the past seven years. An insurance company will check the report and use the claims history as a factor in deciding how much you'll pay for homeowners insurance.
What is a CLUE Report?
Who can obtain a copy of a CLUE report for a given property quizlet?
- Property owners can obtain a free copy of a CLUE report once per year. - A buyer wouldn't be able to request one for a property under consideration, but the buyer could ask the seller to get one for review.
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.
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.
How long does it take to get a 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.
How do I know if someone has made a claim on my insurance?
The easiest may be to ask your existing car insurance provider for details of any claims you've made in the past. This information could include the date of any claims, the type of claims, how much was paid out, and details of any injuries. Alternatively, you could contact the Claims and Underwriting Exchange (CUE).
Who can access LexisNexis?
Who are your customers? Examples of LexisNexis customers include law enforcement agencies, federal homeland security departments, banking and financial services companies and insurance carriers, legal professionals, and state and local governments.
How much is a CLUE report?
Consumers are entitled to one free C.L.U.E. report each year. Additional reports can be ordered at the cost of $19.95 each. Most real estate professionals would recommend this expense to their buyers or even sellers considering the importance of the information it provides.
Can I look myself up on LexisNexis?
You can get your LexisNexis report by going to the company's website, calling 1-866-897-8126, or mailing a printable request form. You will need to provide your first and last name, address, date of birth, and either your SSN or your driver's license number and state to request your LexisNexis report.
What is LexisNexis 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.
Is there an insurance claim database?
CLUE is a database run by LexisNexis that records up to seven years of claims information. More than 99% of auto insurance companies and 96% of home insurance companies report claims to CLUE, making it a valuable resource.
Do insurance companies share information about claims?
Yes, it's true. Insurance companies share information about claims in a database called the Comprehensive Loss Underwriting Exchange (CLUE) to help them assess the risk of a claim when you apply for a policy.
How can I check home insurance claims history?
If you want to know what information is held about you, you can find out by completing a Subject Access Request form on the Motor Insurers' Bureau website. You can also ask your existing insurer for details of your claims history over the last few years (even if you have switched insurance providers during that time).
How do I find out my claims history?
Your current insurer should be able to provide you with all information related to your claim history, even if you've switched companies over the years. Simply get in touch with them and ask for a report. You can also contact CUE, the Claims and Underwriting Exchange.
Can you freeze your CLUE report?
Contact this company to request your report
This company will freeze your consumer report if you request it. Requesting copies of your own consumer reports does not hurt your credit scores.
How do I request a consumer disclosure file?
Request a copy through www.annualcreditreport.com or by calling 1(877) 322-8228.
Do all insurance companies use LexisNexis?
Not all insurers use the service, but most do, says a LexisNexis spokesperson. When you apply for auto or homeowners insurance, you authorize insurers to check your records at consumer reporting agencies.
Who regulates LexisNexis?
LexisNexis, LexisNexis Risk Solutions and LexisNexis Risk Solutions Group are trading names of Tracesmart Limited, which is authorized and regulated by the Financial Conduct Authority under firm reference number 742551.
How do you get something removed from LexisNexis?
It can take up to one month for Lexis Nexis to review a request so they can remove the information. Keep note that they may reach out to gain more information before processing your removal. However, if you don't end up hearing from them, you can always contact their team at 1-800-831-2578.
How do you get rid of an accident in clue?
For accidents, you would fill out the Traffic Accident Record Correction Request. If you make corrections to your CLUE report and/or motor vehicle record, notify your auto insurance company so it can pull these reports again and obtain accurate information to price your car insurance.
Can I sue LexisNexis?
If you have completed the dispute process and you still can't get the credit bureaus to correct your report, the FCRA allows you to sue LexisNexis. In most cases we are able to remove the false credit, get compensation for the consumer, and have the other side pay all the fees and costs.