How can I dispute items in my CLUE report?

If you find inaccuracies or incomplete information on your Comprehensive Loss Underwriting Exchange (CLUE) report, you have the right to dispute it with the insurance company that provided the information. Here are the seven steps to follow:

1. Get a copy of your CLUE report from LexisNexis, the company that maintains the database. You can order a free copy once every 12 months, or if you've been denied insurance, had a claim denied, or had a premium increased.
2. Review the report carefully and highlight any inaccurate or incomplete information.
3. Contact the insurance company that reported the information to CLUE. You can find their contact information on your CLUE report.
4. Explain the errors and provide any supporting documentation that proves your case. For example, if your report shows a claim for damage that you never filed, you could provide proof that you were out of town at the time of the incident.
5. Ask the insurance company to investigate and correct the errors. They have 30 days to respond to your dispute.
6. If the insurance company agrees to correct the errors, ask them to notify LexisNexis of the changes.
7. If the insurance company refuses to correct the errors, you can add a statement to your CLUE report explaining your side of the story. This statement will be included with your report when it's requested by insurance companies.

It's important to keep in mind that the accuracy of your CLUE report can have a significant impact on your insurance premiums and ability to get coverage. It's worth taking the time to review your report and dispute any errors to ensure you're getting fair treatment from insurance companies.