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Hopefully you know you can get a copy of your credit report for free once a year. Your credit scores — which affect your finances in many ways — are based on the information in those reports.
But you may not realize there are also auto claims reports — which can affect how much you pay for car insurance. They’re called CLUE auto reports, and the Consumer Federation of America is encouraging consumers to periodically review these reports as they would their credit reports.
The nonprofit explains:
“To ensure fair auto insurance premiums, make sure that the information about your claims in this database is accurate. Over 95 percent of the insurance companies writing auto insurance provide claims data to this database.”
Among other details, your CLUE auto report includes up to a seven-year history of car insurance losses associated with you.
How to get a free copy of your CLUE auto report
Just as credit reports are generated by three national consumer reporting agencies — Equifax, Experian and TransUnion — CLUE auto reports are generated by a consumer reporting agency. It’s called CLUE Inc., and it’s affiliated with LexisNexis.
As a consumer reporting agency, CLUE is subject to federal requirements, including providing you with a copy of your CLUE Auto report for free once a year. You just have to request it.
You can request a CLUE report by phone or mail. Call 866-312-8076 or print out the CLUE report order form and follow the directions for mailing it. You can also request a report by clicking the red “Order Now” button on this LexisNexis webpage, but you will be prompted to create a LexisNexis online account first.
What to look for on your CLUE auto report
The Consumer Federation of America emphasizes the importance of fault indicators on CLUE auto reports, explaining:
“This is where the insurer providing information to LexisNexis Risk Solutions indicates who was at fault for a particular accident. The accuracy of the Fault Indicator field is critical.”
Refer to the CLUE auto report legend to find out what fault indicator abbreviations mean. For example, “AF” is “at fault.”
In general, though, reviewing your CLUE auto report is much like reviewing your credit report in that you primarily just want to make sure it contains no errors. If you find any, make sure to dispute them.
The Consumer Federation of America suggests that you make requests for corrections or updates in writing, sending them to both LexisNexis and the applicable insurance company. LexisNexis’ contact information for disputes is 888-497-0011 and LexisNexis Consumer Center, P.O. Box 105108, Atlanta, GA 30348.
Have you ever checked your CLUE auto report? Tell us about your experience below or on our Facebook page.