How do I get my LexisNexis report?

The biggest differences between a credit report and other types of consumer reports are the kinds of information listed, who can access them, and what exactly they're used for. A credit report is a specific type of consumer report used for lending, while the broader term "consumer report" could be used to describe things like your driving history or criminal record.... read full answer

Credit Reports vs. Other Consumer Reports:

Credit reports contain your credit history and are used to calculate credit scores and gauge your creditworthiness. They are generated by the three major credit bureaus and are accessed by lenders when you apply for new credit (like a loan or credit card). You can access your free TransUnion credit report through your WalletHub account.

Other types of consumer reports, also known as investigative consumer reports, are more like a background check. They can provide a more complete picture of a person and may be compiled with everything from interviews with friends to work history, lifestyle choices, criminal records, and more. These consumer reports are not used to determine creditworthiness and are not allowed to be used during the credit-granting process. They are usually generated when dealing with employment or tenancy.

Common Types of Consumer Reports:

- Credit report

- Driving record

- Criminal record

- Check writing report

- Insurance report

- Tenant report

- Employment data report

Both credit reports and other consumer reports are regulated under the Fair Credit Reporting Act, and they all require your consent before being viewed by someone else.

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 check your driving record for free in Florida, Georgia, Indiana, Iowa and Ohio by going to the designated government website and entering your information (or by requesting a copy in person or by mail). In states that don’t allow you to check your driving record for free, you should expect to pay a $2 - $25 fee.... read full answer

How to Check Your Driving Record

1. Go to your state’s official DMV, Department of Revenue, or Secretary of State website (varies by state).
2. Provide your personal information.
3. Pay any applicable fees, if requested.
4. Have your printer ready if you want an unofficial hard copy.

Alternatively, you could ask your insurer for a copy, since they consider your driving record when calculating your premium. However, they are not obligated to give it to you for free.

Key Things to Remember About Checking Your Driving Record

• Most states don’t allow you to check your driving record for free.
• The fee for checking your record can be as high as $25.
• You may be able to get a copy of your driving record from your insurance company.
• Knowing what’s on your driving record allows you to anticipate when moving violations or accidents will stop affecting your insurance rate.

For more information, including state-by-state instructions, check out WalletHub’s guide to checking your driving record.