Credit Czar David Howe, SubscriberWise founder and child identity
guardian, encourages his fellow citizens to access the little-known
personal report called C.L.U.E.
IRVINE, Calif.–(BUSINESS WIRE)–#Auto—SubscriberWise®,
the nation’s largest issuing CRA for the communications industry and the
leading protector of children victimized by identity fraud, announced
today important advice and consumer empowerment from company founder and U.S.
Credit Czar David E. Howe. The global FICO panjandrum and credit
baron is encouraging consumers to become aware of the
United States federal FACT Act.
According to the Credit Czar, the FACTA entitles a consumer to obtain
one free copy of her/his consumer file from certain consumer reporting
agencies during each 12-month period. Included in the FACTA is the right
to access consumer reports that involve personal property and auto
histories that impact an individual’s rates and access to insurance
“Next year – before my automobile insurance renewal period – I plan to
rate shop to determine if there’s a more competitive price for my
personal insurance requirement,” acknowledged David Howe, founder and
CEO of SubscriberWise and America’s child identity guardian. “And just
like I’ve done with my personal credit and FICO scores over the past
couple of decades, I keep tabs on another personal report that impacts
my financial life.”
“The personal report that I obtain and carefully review is called a C.L.U.E.
report,” Howe continued. “C.L.U.E. is an acronym for Comprehensive
Loss Underwriting Exchange. It’s similar to a consumer credit report.
Fortunately, it’s federally regulated for our protection like consumer
credit reports. The CLUE report is a claims history database generated
by a company called LexisNexis. (https://www.lexisnexis.com/en-us/home.page).
The report is accessed by insurance companies to retrieve any claims
information during underwriting or for reviewing an insurance policy.
“According to LexisNexis, The C.L.U.E. Personal Property report provides
a seven year history of losses associated with an individual’s personal
property. The C.L.U.E. Auto report provides a seven year history of
automobile insurance losses associated with an individual,” Czar Howe
“Today I recommend that every consumer obtain her/his report on a
regular basis, but particularly before shopping for insurance or if
renewal rates change unfavorably and unexpectedly. (https://personalreports.lexisnexis.com/fact_act_disclosure.jsp).
“Moreover, following the massive data breach at Equifax involving the
compromise of extremely sensitive personal information, I recommend
consumers generally become more familiar with personal and consumer
reports while also learning how to better protect themselves.
Related: Equifax Massive Data Breach: FICO
World Master Champion and U.S. Credit Czar David Howe Responds
“Consumers who have not filed any claims against their auto or property
insurance companies in the last 7 years, they should have no entries on
the report. Any entries that are present, they should be reviewed for
accuracy and disputed and removed if not accurate,” Czar Howe concluded.
Get a C.L.U.E.: https://personalreports.lexisnexis.com/fact_act_disclosure.jsp
SubscriberWise® launched as the first issuing consumer reporting agency
exclusively for the cable industry in 2006. Today SubscriberWise is a
risk management preferred-solutions provider for the National Cable
SubscriberWise contributions to the communications industry are
quantified in the billions of dollars annually.
SubscriberWise is a U.S.A. federally registered trademark of the
SubscriberWise Limited Liability Co.
David Howe, 330-880-4848 x137