You can get your CLUE report in Michigan online, by email, by phone, or by mailing a request form. All Michiganians 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
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.