You can get your CLUE report in Kentucky online, by email, by phone, or by mailing a request form. All Kentuckians are entitled to one free copy of their CLUE report each year by the Fair Credit Reporting Act, and the reports must be requested directly from LexisNexis, the consumer reporting agency that creates them.
CLUE stands for “comprehensive loss underwriting exchange,” and CLUE reports disclose the insurance claims history for a person or property. If you’re buying a house, you can learn the claims history of the property by requesting a CLUE report from the owner. Additionally, you can request a CLUE report for yourself to see your own history of auto and home insurance claims.
Your insurance company will view your CLUE report and use the information to help determine premiums, so knowing what is on there is always a smart idea. To learn more, check out WalletHub’s guide to CLUE reports.
A CLUE report costs $0 for consumers requesting their personal report from LexisNexis. Individuals are entitled to one free copy of their LexisNexis CLUE report each year, while additional copies will cost $19.95 for each report. LexisNexis customer service representatives also say there is no charge for customers to access additional copies of their own reports. … read full answer
You can order your CLUE report from LexisNexis online or by calling 1-866-897-8126. To learn more, check out WalletHub’s guide to CLUE reports.
You can view your CLUE report online by going to the LexisNexis website and filling out their electronic request form. LexisNexis is the consumer reporting agency that produces CLUE reports to provide information about individuals and properties to organizations like banks and insurance companies. You can also request a copy of your report by phone, mail, or email.… read full answer
Information Needed to View Your CLUE Report Online
First and last name
Date of birth
SSN or driver’s license number and issuing state
What Your Report Will Include
When you request a report from LexisNexis, you receive a Consumer Disclosure Report that includes your CLUE report, real estate transactions, bankruptcy and liens records, judgement records, and past addresses. Your report details up to seven years of insurance claims history.
A CLUE report goes back seven years and includes every auto insurance claim you’ve filed from that time frame, even if you weren’t issued a ticket or found to be at-fault for the incident. The same is true for home insurance claims caused by things like water damage or burglary. … read full answer
Once a claim ages out of your report, your current insurer may lower your premiums. Some companies only look at the last three to five years of claims, but be aware that if you neglect to tell your insurer about all of your past claims, they may raise your rates after seeing your report.
Your CLUE Report Includes:
Previous claims that insurers have paid in the past seven years
Previous claims that insurers have denied in the past seven years
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