Review the information being reported
C.L.U.E. is a claims-information exchange used in insurance pricing and underwriting. The CFPB says it reports up to seven years of home insurance and personal-property claims. You can request one free report every 12 months; checking your own consumer report does not hurt your credit scores.
A reporting window is not the same as an insurer’s underwriting lookback period. Do not assume every insurer treats a claim the same way or stops considering it on the same date.
Use a claim-and-repair timeline
| Record | Why separate it |
|---|---|
| Loss date and cause | Describes what happened and when. |
| Claim status and payment information | Describes the insurance record; it may differ from your repair timeline. |
| Completed work | Explains what was actually repaired or changed afterward. |
| Supporting evidence | Links an invoice, permit or report to a specific statement. |
| Open question or dispute | Makes an unresolved inconsistency visible instead of silently changing it. |
If something is inaccurate
Use the CFPB’s C.L.U.E. information page to find current consumer-report instructions. Inaccurate or incomplete information can be disputed with the reporting company and the company that supplied it. Keep copies of the dispute and supporting records.
A dispute is not a way to erase accurate history, and this website cannot access or correct your C.L.U.E. report.
Share carefully
For an initial inquiry, a short general summary is enough. Do not email a full consumer report, Social Security number or unredacted claim file to this website. Ask the receiving professional for an appropriate secure channel if detailed documents are needed.
Sources and further reading
Sources support the general information. The checklists and examples are educational suggestions, not an insurer’s rules. Policy and state differences matter.