How many years does a CLUE report go back?

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.  

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
• Your name
• Address
• Date of birth
• SSN

The Fair Credit Reporting Act entitles you to one free copy of your report every year. Requesting a report from LexisNexis online is usually the easiest option, but you can also request a copy over the phone or by mail.

To learn more, check out WalletHub’s guide to CLUE reports.