Credit reporting laws only cover your consumer credit history. There are many other types of consumer reports that may or may not be included under these laws. For example, these same credit reporting laws say that you are entitled to a free copy of your insurance claim history. Known as C.L.U.E. (Comprehensive Loss Underwriting Exchange) this information is used in the insurance industry and provides a history of any insurance claims you have filed in the past five years. To go along with this, you can request a copy of your insurance score. While this isn’t free, it may help you negotiate for a lower insurance rate

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