Understanding the CLUE Report: A Comprehensive Guide

One of the greatest consumer secrets out there is the little-known CLUE report, made available to insurance companies on every insurance consumer. The CLUE report acts as the equivalent of credit reports in that it can have an enormous impact on your personal property and auto insurance rates; yet despite its significance only 14% had heard of the report! If you want to learn more about how this data could be used against you – I strongly suggest reading on.

Fighting for vulnerable consumers has become one of my primary pursuits, so I set about researching and gathering answers to several specific questions (and ordering my own report in the process):

What exactly is a CLUE report, what information it includes and when is it reported? Assuming it can be used against you for charging higher rates if any, can my CLUE report be used against me to justify higher charges?
How far back do CLUE report claims and inquiries go? When should a person access their CLUE report? How can anyone dispute any incorrect data within it? And can I obtain a free CLUE report?
Hope that this CLUE report overview proves helpful for you!

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