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Have you requested your CLUE report lately? It’s one of several specialty reports ^[3] you should be reviewing annually and today I requested mine.

CLUE stands for Comprehensive Loss Underwriting Exchange and your CLUE report details your seven year claims history with your insurance company. You have two CLUE reports, both of which come from ChoicePoint:

• CLUE Personal Property Report: This report covers personal property loss history and inquiry history. This will include all insurance claims you’ve made in the last seven years that aren’t auto-related.
• CLUE Auto Report: This report covers auto loss history and inquiry history.

You can order both for free from ChoiceTrust here. ^[4] The FACT Act (Fair and Accurate Credit Transactions Act, which was an amendment to the Fair Credit Reporting Act), which gives you the right to see a credit report once every twelve months, gives you the right to see any report that is collected by a “consumer reporting agency,” every twelve months, including these reports.

It’s less important to review these reports from an identity theft perspective because reviewing your credit report will catch things much sooner. Reviewing your CLUE reports is still important because you want to make sure that there aren’t unknown inquiries or incorrect and inaccurate claims published on your report. Your insurance premiums are based in part on what is in your CLUE report, so it’s important to keep that as accurate as possible.

The reports themselves are boring, but short, and they have samples online if you want to see what they’re like. Here’s one for personal property ^[5] and one for auto ^[6].

For a more in-depth look at CLUE reports, privacyrights.org ^[7] has a long write-up on it.