How Can I See My CLUE Report Online?

Last Updated on February 5, 2026

A CLUE report (short for Comprehensive Loss Underwriting Exchange) is one of the main tools insurers use to review your past auto and property insurance claims. If you’re shopping for a new policy (or even renewing), it’s smart to pull your own report so you can confirm what insurers are seeing and dispute anything that’s wrong.

  • A CLUE report (Comprehensive Loss Underwriting Exchange) is a LexisNexis consumer report that summarizes auto and/or property insurance claims tied to you.
  • You can request a free copy (typically once every 12 months) through the LexisNexis Risk Solutions Consumer Disclosure portal.
  • After you request your report online and your identity is verified, you’ll usually receive instructions by mail explaining how to access your report online.
  • Review your CLUE report for errors and dispute inaccurate claims quickly—incorrect entries can raise premiums or limit your insurance options.
Table Of Contents
  1. What is a CLUE report?
  2. What information shows up on a CLUE report?
  3. How can I see my CLUE report online?
  4. How do I dispute errors on my CLUE report?
  5. How do insurance companies use a CLUE report?
  6. What if my CLUE report shows several claims?
  7. FAQs on CLUE Reports
  8. Bottom line

What is a CLUE report?

A CLUE report is a consumer report provided by LexisNexis Risk Solutions that summarizes insurance claims tied to you and/or your property. Most reports include up to about seven years of claims history.

There are two common versions:

  • CLUE Auto: personal auto insurance claims connected to you (and the vehicles/policies involved).
  • CLUE Property: homeowners/renters (and sometimes property-related) claims connected to a specific address and/or policyholder.

If you ever had to file a claim, the report may show details like the date of loss, the type of claim, and the amount paid (or reserved) on the claim.

What information shows up on a CLUE report?

Exact fields vary by insurer and claim, but a CLUE report commonly includes:

  • Your identifying info (name, current/previous addresses, and sometimes policy identifiers)
  • Claim dates and loss types (collision, theft, water damage, liability, etc.)
  • The insurer involved
  • Claim status and payment amounts (if any)

Good to know: A CLUE report is separate from your credit report. But insurers often evaluate multiple items at once—your driving record, claims history, and sometimes things like your insurance score (where allowed).

How can I see my CLUE report online?

You can request your LexisNexis consumer disclosure online (which includes CLUE-related claims history) through the LexisNexis Risk Solutions Consumer Disclosure portal:

Request your LexisNexis consumer disclosure report online

In general, the process looks like this:

  1. Go to the request page and choose your state.
  2. Submit your information so LexisNexis can verify your identity (this may include knowledge-based questions).
  3. After your request is processed, you’ll typically receive instructions by mail explaining how to access your report online.

If you prefer not to use the online form, LexisNexis also allows requests by phone or mail through its Consumer Center (details are listed on the same Consumer Disclosure site).

Tip: pull your report before you shop

If you’re comparing quotes, pulling your report first helps you check your claims history for mistakes that could inflate your price—especially if you’re being quoted as if you had claims you don’t recognize.

How do I dispute errors on my CLUE report?

If you find a claim that looks wrong (wrong date, wrong address, not your claim, incorrect payment amount, duplicate entry, etc.), dispute it as soon as possible. Even a claim that was denied may still appear as part of your claim history, so it’s worth making sure the entry is accurate and complete.

To make a dispute go smoother:

  • Be specific: reference the claim entry and exactly what you believe is incorrect.
  • Attach proof: claim letters, repair invoices, police reports, correspondence with your insurer, or anything that supports your position.
  • Dispute with both parties: you can dispute with LexisNexis, and you can also contact the insurer that furnished the data.

Once the investigation is complete, LexisNexis should notify you of the results and update the report if the information can’t be verified or is found to be incorrect. If there’s a situation that needs context, you may also be able to add a brief consumer statement (an explanation) to your file.

How do insurance companies use a CLUE report?

When you apply for a policy or request a quote, insurers often review your CLUE history to estimate how likely you are to file future claims. A pattern of frequent or recent claims can lead to:

  • Higher premiums
  • Higher deductibles or stricter coverage terms
  • Fewer company options willing to insure you

Not every insurer treats claims the same way. Some companies care more about recent at-fault losses, while others surcharge heavily for multiple claims close together.

Also, your report generally should not include “non-claims” like calling your insurer with a question about deductibles or coverage details—unless a claim was actually opened and reported.

What if my CLUE report shows several claims?

If your CLUE report has multiple claims, don’t panic. Start with accuracy, then focus on what you can control.

1) Verify every entry

Make sure each claim is truly yours, tied to the correct vehicle/property, and has the right dates and amounts. Dispute anything that’s wrong or duplicated.

2) Remember: older claims matter less over time

CLUE history isn’t forever—most reports look back about seven years. If you avoid new losses, your record gets “cleaner” as older claims fall off. (Related: here’s how long an accident can stay on your insurance for pricing purposes.)

3) Shop smarter and use discounts

If one insurer is quoting you very high because of claims history, compare multiple quotes—pricing varies widely by company. Also ask about auto insurance discounts you might qualify for (safe driver, bundling, telematics, paid-in-full, defensive driving, etc.).

4) If you’re buying a home, ask the owner for the CLUE Property report

If you want claims history for a house you’re considering, the current owner (or insured) typically has to request the report. You can ask the seller to provide it during due diligence—especially if you’re concerned about prior water, fire, or liability losses.

FAQs on CLUE Reports

Bottom line

Your CLUE report is one of the simplest “behind-the-scenes” reports to check before you buy insurance. Request it, review it for accuracy, dispute errors quickly, and shop around if your claim history is making rates jump.