CLUE Report.
In plain English
CLUE stands for Comprehensive Loss Underwriting Exchange, a national database (run by LexisNexis) that records insurance claims you have filed over roughly the past seven years. When you apply for home or auto insurance, the company can pull your CLUE report to see your claims history, including the date, type of loss, and amount paid. A history of multiple claims can raise your premium or make coverage harder to get, even if the claims were not your fault. You have the right to request your own CLUE report for free once a year and to dispute any errors on it, because it is a consumer report under federal law.
01Why it matters
Past claims you forgot about can quietly raise your rates or follow a house you are buying, so checking the report can catch costly errors before they cost you.
02The math, step by step
Suppose you are buying a house and the seller filed two water-damage claims in the last three years. Those claims sit on the property's CLUE history and could push your premium higher or lead an insurer to decline coverage. Before closing, you can ask the seller for the property's CLUE report. For your own report, federal law (the FCRA) lets you request one free copy every 12 months from LexisNexis and dispute anything wrong; the CFPB explains the process (as of 2026).
03What this is NOT
A credit report tracks loans and payment history. A CLUE report tracks only insurance claims. They are separate records kept by different companies, though both can affect what you pay for insurance.
04Receipts
Every figure on this page is sourced to a primary document. Tap to open the original.
Plain-English answers from our glossary. Receipts included. Never advice.
Educational tool. Answers come only from ClearMoneySchool's published glossary and are not advice. Why we never give advice