 TITLE: What Is the Difference Between Credit-Based Insurance Scores and Credit Scores? CONTENT: Other Factors That Can Influence Your Insurance Premiums\n--------------------------------------------------------\nIn addition to reviewing the information on your credit reports and your credit-based insurance credit scores, insurance companies also take your previous insurance claims into account. This information is collected, stored and delivered to insurance companies by LexisNexis. The LexisNexis database containing information about your auto and homeowners claims is called the C.L.U.E. (Comprehensive Loss Underwriting Exchange) database.\nIf you've filed an auto or homeowners insurance claim in the past seven years, that information is likely to be included in your C.L.U.E. report. And because the C.L.U.E. report is legally considered a consumer report by the Fair Credit Reporting Act, you can check your auto and homeowners C.L.U.E. reports for free once every 12 months through LexisNexis Risk Solutions. Only claims filed in the past seven years will show up on your C.L.U.E. reports.\nOther factors that can influence your auto and homeowners insurance rates include your age, gender, marital status, the type of car you drive, where you live and the value of your home. The deductible amount on your insurance policy will also influence your insurance premiums. END