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I know most of us are pretty familiar with our FICO scores and some can recite a complete list of the factors that affect it but there is another report most of us don't have a clue about. It is actually called a Comprehensive Loss Underwriting Exchange (C.L.U.E.) report.
1. What is a C.L.U.E.? it's a claims history database generated by LexisNexis® that enables insurance companies to access consumer claims information when they are underwriting or rating an insurance policy.
2. What information is included in a C.L.U.E. report? It includes policy information such as name, date of birth, and policy number, claim information such as date of loss, type of loss and amounts paid, and a description of the property covered. For homeowner's coverage, the report includes the property address, and for auto coverage, it includes specific vehicle information.
3. 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 https://personalreports.lexisnexis.com.
I got this information from the Wisconsin Commissioner of Insurance website
http://oci.wi.gov/pub_list/pi-207.htm
A google search for CLUE report will find all the information you ever wanted to know.
As always the full site URLs are listed for those of you following the best practice of not clicking links.
Thanks for reading,
Paul Astwood
PRA International
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