If you received an Adverse Action Letter. If youre the home buyer you may want to ask the seller to pull the propertys CLUE report.
C L U E Report What It Is How To Check For Free
It depends on how far back an insurance company looks in your official driving record and Comprehensive Loss Underwriting Exchange CLUE report for accident claims and moving violations as well as the reason you were designated as risky in the first place.
Clue report dispute. The personal reports section of the LexisNexis website also tells you how to order a copy of the report through the mail or easiest of all view the report online. The FACT Act entitles you to obtain one free copy of your applicable consumer report from certain consumer reporting agencies during a 12-month period. If you discover an error on your CLUE report such as an invalid claim report or an incorrect loss payment for instance you can contact LexisNexis directly to report the problem.
Reference number listed at the top of your report. LexisNexis is the provider of the report and is the only company that discloses this report. ChoicePoint claims that it is eager to help you clarify or amend your CLUE report However it also notes that in regards to disputed claims it will verify the consumers claim of a mistake with the insurance company.
The claim number and insurance company name associated with the loss you wish to dispute or explain. To file a dispute either call LexisNexis at 888-497-0011 or write to the company at LexisNexis Consumer Center PO. Also contact LexisNexis to dispute wrong information or to add an explanation.
Neither accident was my fault. Request a FACT Act Disclosure Report. Box 105108 Atlanta GA 30348.
You can get a free copy of your report each year by contacting LexisNexis. LexisNexis must contact the insurance company on your behalf and ask for verification. LexisNexis has a dispute resolution process in place if you find incorrect information on your CLUE.
Name of insurance company associated with the loss you want to explain or dispute. If youre buying a house you can ask the owner to show you a CLUE report for the property. Whether you want to DISPUTE the loss record or EXPLAIN it.
Other reasons to consider pulling a report include selling your car or home. No matter whether youre submitting an explanation or starting a formal dispute youll need the same info to begin. The CLUE report allows you a free look at your claims history to make sure no one filed a false claim against you.
If youre selling a house a CLUE report can help potential buyers know the condition of the house theyre. Vehicle information auto claims The CLUE database doesnt store any other data sources like credit reports criminal records legal judgments or civil lawsuits and it only retains up to seven years of your home and auto claims history. If you visit the LexisNexis website they have a form available that you can download print and fill out but the dispute itself should always be filed in writing not using online resources.
LexisNexis has the following to say about filing CLUE report disputes. Not all auto insurance providers have the same rules regarding how long they consider someone a high-risk driver and the look back. The other was when another car turned left in front of me and we had an.
Your report can include claims information even when a. Upon receipt of your dispute LNRS has 30 days to conduct a reinvestigation of the information disputed. If you find information in your consumer report that you believe is inaccurate or incomplete you have the legal right to dispute the reports content with the consumer reporting company and the company that shared the information to the reporting company such as your lender.
You can obtain your CLUE report by calling LexisNexis Services at 1-866-312-8076. Free Annual File Disclosure - In accordance with the Free Annual File Disclosure Rule 16 CFR. Your FCRA Rights Federal and State Read about your rights under the Fair Credit Reporting Act.
To dispute an entry in your CLUE report you will need to contact the company in writing. Claim number for the insurance company. Potential home buyers may want to know the claims history of a home before buying it.
How to fix your CLUE report If you discover an error on your CLUE report for example an invalid claim report or an incorrect loss payment you can contact LexisNexis directly by calling 888-497-0011 or 866-312-8076 and report the problem. What Info Will I Need to Start My Dispute. A BRIEF description of the facts as you know them.
The first was when a kid ran into the driver side quarter panel of my car while it was parked. Report is showing that I have 2 at fault automobile accidents over 1150 total. How do I dispute my CLUE report.
LNRS will provide you with notice of the results of the reinvestigation no later than 5 business days after the completion of the reinvestigation. Under the terms of the FCRA a consumer can dispute items on the report with the source of the information. How can I use a CLUE report.
