Your C.L.U.E. report is a seven-year record of your auto and home insurance claims, compiled by LexisNexis and used by insurers to set your premium. Federal law entitles you to one free copy every 12 months. Request it at consumer.risk.lexisnexis.com or call 866-312-8076, then dispute anything wrong.
What Is a C.L.U.E. Report?
C.L.U.E. stands for Comprehensive Loss Underwriting Exchange. It is a database operated by LexisNexis Risk Solutions that holds seven years of personal auto and homeowners claims history. When you apply for a policy or renew one, your insurer pulls this report and prices you on what it finds.
What lands in the file is broader than most people expect. Insurers report:
- Claims where money was paid out
- Claims that were formally denied
- Incidents where the insurer merely opened a file for a potential claim — even if you never collected a cent
A Phone Call Can Cost You Money
Calling your insurer to ask whether something "would be covered" can create a claim record if they open a file. That record can sit in C.L.U.E. for seven years and raise your premium, even though you never filed a claim or received a payment. This is one of the most common surprises people find when they finally read their report.
C.L.U.E. also follows property, not just people. A house with prior water-damage claims from a previous owner can be more expensive for you to insure. If you are buying a home, asking the seller for the property's C.L.U.E. report is a genuinely useful move before closing.
Step 1: Request Your Free C.L.U.E. Report
Under the Fair Credit Reporting Act, LexisNexis is a nationwide specialty consumer reporting agency and must give you one free copy of your file every 12 months on request.
- Online: go to consumer.risk.lexisnexis.com/request and complete the consumer disclosure request.
- By phone: call 866-312-8076.
- By mail: LexisNexis also accepts written requests through the address listed on its consumer portal.
You will need your full name, current and recent addresses, date of birth, and Social Security number to verify identity. Ask for the full consumer disclosure, not just C.L.U.E. — LexisNexis maintains several separate files on you, including Current Carrier (your insurance coverage history) and RiskView (a risk score built from public records).
Step 2: Read What Is Actually in the File
When the report arrives, check every line against your own memory and records:
- Claims you never filed. Mixed files are common when you share a name with a relative or a previous resident of your address.
- Inquiry-only entries logged as claims because you asked a coverage question.
- Wrong claim amounts or wrong dates that make an old incident look recent.
- Claims older than seven years that should have aged off.
- Claims attached to a property you no longer own, or to an address you never lived at.
Step 3: Dispute Errors in Writing
You have the right to dispute anything inaccurate or incomplete, free of charge. LexisNexis must conduct a reasonable investigation, normally within 30 days, and correct or delete information it cannot verify.
- File the dispute through the LexisNexis consumer portal or by mail, and keep a copy.
- State precisely which entry is wrong and why — "no claim was filed; this was a coverage question on 14 March" beats "this is incorrect".
- Attach supporting documents: denial letters, insurer correspondence, closing documents for a property.
- If the insurer that reported the item will confirm the error, ask them to send a correction to LexisNexis directly. That resolves disputes faster than anything else.
Step 4: Freeze Your LexisNexis Data
Depending on your state of residence, you can request a security freeze on data LexisNexis Risk Solutions holds about you, including C.L.U.E., Current Carrier, and RiskView reports. A freeze blocks release of the file to most new requesters.
Be deliberate about this one. A freeze can slow down or complicate a legitimate insurance application, because the insurer cannot pull your history. Many people prefer to freeze only after they have finished shopping for a policy. LexisNexis also offers a separate direct marketing opt-out, which stops marketing uses without affecting underwriting access.
Step 5: Remove the Public-Records Data Feeding Your Risk Profile
C.L.U.E. is only one of the files built around your name. LexisNexis RiskView and dozens of other broker products are assembled from public records, address histories, property records, and people-search listings — the same data that makes you easy to find, impersonate, and target.
Correcting your claims file does nothing about that wider exposure. PrivacyOn removes your name, address, phone number, and relatives from 100+ data brokers and people-search sites, then keeps checking, because brokers relist people within weeks of an opt-out. It includes dark web monitoring and family plans covering up to 5 people, from $8.33/month.
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How C.L.U.E. Affects What You Pay
Insurers treat claims history as one of the strongest predictors of future claims, so a single disputed entry can follow you across every quote you request for years. Two practical consequences:
- Check your report before you shop, not after. Fixing an error after you have accepted a priced policy means living with the premium until renewal.
- Think before you report a small loss. If a claim is close to your deductible, paying out of pocket often costs less over seven years than the premium increase.
Take Control of the Whole Picture
Pull your free C.L.U.E. report today, dispute anything wrong, and consider a freeze once you have finished shopping. Then close the bigger gap: run a free PrivacyOn exposure scan to see which data brokers are publishing your address, phone number, and family connections right now — and let PrivacyOn remove them across 100+ sites.
Frequently Asked Questions
How do I get my C.L.U.E. report for free?
Request it from LexisNexis at consumer.risk.lexisnexis.com/request or by calling 866-312-8076. The Fair Credit Reporting Act entitles you to one free copy every 12 months, and to an additional free copy if an insurer takes adverse action against you based on the report.
How far back does a C.L.U.E. report go?
Seven years for personal auto and homeowners claims. Entries older than seven years should age off automatically — if they have not, that is a valid dispute.
Does asking my insurer a question create a C.L.U.E. entry?
It can. If the insurer opens a file for a potential claim in response to your inquiry, that record may be reported even though nothing was paid and no claim was formally filed. Ask explicitly whether a call will generate a claim record before you describe an incident in detail.
Can I remove accurate claims from my C.L.U.E. report?
No. Accurate claims stay for seven years and there is no opt-out from the C.L.U.E. database itself — it is a regulated insurance reporting system, not a marketing list. You can correct inaccuracies, request a security freeze in many states, and opt out of LexisNexis direct marketing uses.
How long does a C.L.U.E. dispute take?
LexisNexis must generally investigate within 30 days of receiving your dispute and must correct or delete anything it cannot verify. Getting the reporting insurer to confirm the error in writing is the fastest route to a correction.
Should I also get the C.L.U.E. report for a house I am buying?
Yes, if you can. Claims attached to the property — especially water damage or mold — can raise your premium as the new owner. Only the current owner can request the property report, so ask the seller for it during the inspection period.
Does removing my data from brokers change my C.L.U.E. report?
No, and it is worth being clear about that. C.L.U.E. is fed by insurers, not people-search sites. Broker removal addresses a different risk: the public availability of your address, phone number, and relatives, which drives identity theft, phishing, and harassment. PrivacyOn handles that side across 100+ brokers from $8.33/month, with a free scan to show your current exposure.