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

A LexisNexis C.L.U.E. report is to insurance companies what a credit report is to financial institutions. Every insurance company pulls your comprehensive loss underwriting exchange, or C.L.U.E. report to determine how much your premiums will be for auto insurance and property insurance. 

So let’s take a look at everything you need to know about the LexisNexis C.L.U.E. report, including what is on it and how to dispute items that are incorrect.

The C.L.U.E. report in insurance was created and trademarked by LexisNexis, the most authoritative insurance consumer reporting agency in the world. It includes vital personal information information, information on policies you’ve held and are currently seeking, history of claims and, whether it’s a vehicle or home, information about what you’re trying to get insured.

Similar to how traffic tickets and car accidents stay on your auto insurance score before dropping off in a matter of years, information about your prior claims and inquiries impact your LexisNexis insurance score and stay on a C.L.U.E. report.

The following information is commonly found on a C.L.U.E. report in LexisNexis:

A LexisNexis auto insurance report is a key resource used by your insurer to determine your risk and rates. Since the report can be very encompassing, it helps them gather information about your driving habits and insurance history so they can offer you fair rates for your level of risk.

LexisNexis credit reporting and C.L.U.E. reports reflect the last seven years’ worth of the previous information. Though reports will never include information related to your criminal history, civil lawsuit information or credit score and history.

LexisNexis may have requested your C.L.U.E. driving record because an insurer or an entity that works closely with an insurer, like a lender, requested it. LexisNexis is a renowned data analytics and information solutions company that, among other things, houses risk solutions data that insurers and other financial institutions can access.

Insurers and lenders ask for your LexisNexis car insurance report when making a decision about your creditworthiness. This is a helpful way for them to determine your risk, as information about your credit, claims history, driving record, and other relevant factors that contribute to your risk are used to determine your rates.

In other words, if you’re seeking a new policy, up for policy renewal, or buying a new car with a lease or a loan, your insurer, lessor, or lender may use a LexisNexis C.L.U.E. auto report to view your driving record and determine if you’re a trustworthy policyholder or loanee.

When used in the context of insurance, C.L.U.E. only may mean that your insurer only uses your C.L.U.E. driving record to determine your rates. This means your insurance history, like your claims, payment schedule, and policy information, will be used to determine your rates. 

This means your insurer may not consider your age, gender, location, criminal history, credit report, or other commonly used factors to determine your rates.

Figuring out how to get a C.L.U.E. report or a copy of your Lexis Nexis report is pretty straightforward. The process is similar to getting a credit report from one of the three major reporting agencies: Experian, Equifax, or TransUnion. Similar to a credit report, each person is entitled to one free C.L.U.E. report each year. You can get your LexisNexis C.L.U.E. report online through the LexisNexis website or by calling LexisNexis using their phone number, 1-888-497-0011.

Securing a C.L.U.E. report can come in handy when buying a home or vehicle because it details the previous problems sustained before you became the owner. This allows you to note any previous claims and the areas they were filed. For instance, a clean C.L.U.E. report when buying a home notes that it hasn’t had any major problems, structurally or integrally, in the past.

If you maintain a clean C.L.U.E. report for car insurance or home insurance, it can also help you to sell either your home or vehicle and may even increase the amount of money you may be able to get for either.

Since the information within a C.L.U.E. report is extremely pertinent to your ability to obtain quality auto insurance and home insurance at a fair price, it’s pertinent that everyone gets at least one C.L.U.E. report each year. This will allow you to spot and dispute any mistakes in your claims history and get a better understanding of why you pay what you do for insurance premiums.

While generally, an accident reported by C.L.U.E. will have accurate details, sometimes small inaccuracies can occur and cause a big issue. To remove something from your C.L.U.E. report, you can report the inaccuracy through their customer service channels, like their phone number or address. 

While reporting on LexisNexis about insurance claims, traffic incidents, or personal information is typically correct, there’s always room for error. If you’d rather make your LexisNexis dispute online, you can do so on their website, by using their chat feature. 

A C.L.U.E. auto report dispute is something you can file if you believe LexisNexis has inaccurate information about you on file. You can file a dispute for something as simple as the wrong address or as complex as a car accident that was wrongly deemed at fault.

Keep reading to find out how to dispute information on LexisNexis or in a C.L.U.E. report.

A C.L.U.E. or LexisNexis driving record dispute is actually easier than you may think. If you receive your report and notice something is terribly wrong (there’s a claim on your report that you never filed, the wrong address or vehicle information is listed for you, etc.), you can dispute the error by calling them at 1-888-497-0011.

Once a dispute is filed for your insurance, LexisNexis has 30 days to look into the dispute and provide you the results of their investigation by mail. They may send you the results up to five business days after resolving the investigation. If you successfully disputed the incident, your new C.L.U.E. report will show the items have been removed from LexisNexis.

Whether or not they side in your favor and remove the error from your report, you can add a statement that details the nature of the dispute. This statement will be included in every C.L.U.E. report until the error falls off — or for the next seven years.

If LexisNexis fails to remove the error from your C.L.U.E. report — and you’re entirely confident there’s an error — you may then escalate the dispute by contacting your state’s insurance commissioner or filing a complaint with the Federal Trade Commission.

To file a LexisNexis accident report dispute or claim dispute, you’ll have to call the company or contact them from their website. Once you file the dispute, LexisNexis has 30 days to verify your dispute and make their decision. If they decide you don’t have enough information for your dispute, they will not create a new C.L.U.E. report.

However, if your dispute is verifiable, LexisNexis will update your C.L.U.E. report and send you proof of the update. You call the phone number listed previously in this article to make a LexisNexis consumer report dispute, or contact LexisNexis customer service online by visiting their website and using their chat feature.

Reading a C.L.U.E. report is about as easy as reading a credit report. Each line will have a tidbit of information about the claim filed, driver’s record, address, and individuals on the report. The lines should match up fairly easily. If you notice an error on your report, you may be reading it correctly and need to file a LexisNexis auto insurance dispute to correct the error.

One key feature of LexisNexis is its accident reporting. Your LexisNexis car accident report is updated each time you’re in an accident and can be used by your insurer to update your premiums based on your driving habits. 

Each time you’re in an accident, if it’s reported, the crash report on LexisNexis for you and your vehicle will be updated. Not only will this report be viewed by your insurer when it comes time for rate renewal, but should you choose to sell your car, the buyer may be able to use this software to see how many accidents it was in.