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  4. Were You Aware Insurance Companies Share Your Claims History?

Were You Aware Insurance Companies Share Your Claims History?

The insurance database that determines your premiums

Written by Robert J Wilkins IV

What Are CLUE Reports?

7 years of claims history on file

CLUE (Comprehensive Loss Underwriting Exchange) is a database maintained by LexisNexis that tracks your auto and homeowners insurance claims for the past 7 years. Nearly all insurance companies access CLUE when setting your rates or deciding whether to offer you coverage.

  • CLUE Auto Report - Car insurance claims, accidents, thefts
  • CLUE Property Report - Homeowners claims, water damage, theft, fires
  • Tracks claims even if you only inquired about filing
  • Follows the PROPERTY as well as the person
  • Used by virtually all insurance companies for underwriting
  • Maintained by LexisNexis Risk Solutions
Even asking your insurance company if you should file a claim can show up on your CLUE report.

How CLUE Affects Your Insurance Rates

Insurance companies use your claims history to predict future risk. Multiple claims - even legitimate ones - can result in significantly higher premiums or outright denial of coverage. The impact varies by type of claim and insurer.

  • Each claim can increase premiums by 15-30%
  • Multiple claims in 3 years may result in policy cancellation
  • Inquiries (asking about filing) can be recorded
  • Property claims follow the address, not just the owner
  • Buying a house with claims history can affect your rates
  • Some claims (like liability) have bigger impacts than others

Legal Insight: Under FCRA, you're entitled to one free CLUE report every 12 months. Request at consumer.risk.lexisnexis.com.

Common CLUE Report Errors

CLUE reports can contain errors that unfairly raise your rates. Common issues include claims attributed to the wrong person, duplicate claims, incorrect claim amounts, and claims from previous property owners showing on new owners' reports.

  • Claims belonging to previous property owners
  • Duplicate reporting of the same claim
  • Incorrect claim amounts or dates
  • Claims you inquired about but never filed
  • Claims attributed to wrong vehicle or property
  • Mixed files with similar names

How Credit1Solutions Can Help

Higher insurance rates affect your budget every month. We help you review and dispute CLUE report errors so you're not paying for claims that aren't yours or inaccuracies that inflate your risk profile.

  • Request your CLUE Auto and Property reports
  • Identify errors, duplicates, and misattributed claims
  • Dispute inaccurate information with LexisNexis
  • Help you understand what's impacting your rates
  • Advise on the insurance implications of filing claims
You shouldn't pay higher premiums because of someone else's insurance claims on YOUR report.

Continue Reading

  • MIB Medical Insurance Bureau
  • LexisNexis Public Records
  • More Specialty Bureaus Articles
  • Credit Help Center

Get Started Now or call 1-877-782-7839.

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Related Guides

  • Credit Repair Complete Guide
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  • FDCPA Consumer Rights Guide
  • Credit Bureau Dispute Guide
  • How Credit Scores Work

Your Legal Rights

Consumers are protected by several federal laws when dealing with credit reporting issues related to were you aware insurance companies share your claims history?:

  • Fair Credit Reporting Act (FCRA) — 15 U.S.C. §1681: Requires credit bureaus to maintain accurate information and investigate disputes within 30 days. Consumers can dispute inaccurate items directly with bureaus or furnishers.
  • Fair Debt Collection Practices Act (FDCPA) — 15 U.S.C. §1692: Prohibits abusive, deceptive, and unfair debt collection practices. Collectors must validate debts upon request.
  • Credit Repair Organizations Act (CROA) — 15 U.S.C. §1679: Regulates credit repair companies and protects consumers from deceptive practices.

You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).

Why Trust Credit1Solutions

  • Attorney-backed by Hemminger Law Firm, Consumer Rights Attorneys
  • BBB A+ Accredited since 2015
  • Founded in 2006 — 19+ years of experience
  • Over 30,000 families helped nationwide
  • FICO-certified credit education specialists
  • Full compliance with FCRA, FDCPA, and CROA

Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026

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