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Consumer Information

• Credit Reports, Credit Scores And Insurance Scores
  Consumers may obtain their credit reports, credit scores and insurance scores from national credit reporting agencies. Credit scores are based on an individual's credit report information and are used to predict whether you will make your payments on time. Insurance scores are also based upon the information in an individual's credit report and are used to predict the probability that you will make in insurance claim. These reports range in price from around $9.00 to around $15.00 per report (unless the consumer is entitled to a free copy of the credit report, e.g., the consumer was denied credit or experienced some other adverse action as a result of the credit report). When these items are ordered online with a credit card, the consumer generally will receive the report ordered immediately and this is by far the method preferred by these companies. Some of these companies will allow some reports and scores to be ordered by telephone or mail, which will take longer before you receive your information. 
  • Equifax provides credit reports, credit scores and insurance scores: (800) 685-1111
  • Experian (formerly TRW) provides credit reports and credit scores: (888) 397-3742
  • TransUnion provides credit reports and credit scores: (800) 888-4213
    Consumers may request a copy of their TransUnion Personal Credit Reports & Scores by writing to: TransUnion LLC, Consumer Disclosure Center, P.O. Box 1000, Chester, PA 19022 
  • Consumers can obtain their FICO credit scores and credit reports from Fair Isaac company  
  • Insurance scores may be ordered online from Choice Trust 
  • Choice Point brochure: A  Guide to Understanding Insurance Scores
• Clue Reports - Insurance Claims Histories
  Comprehensive Loss Underwriting Exchange (CLUE) is a loss history information database developed by and used by insurance companies to share information about the insurance claims, reported losses and damage, and even insurance policy inquiries with respect to properties and individuals. CLUE reports include all such information reported within the last five years.
  • CLUE Reports may be ordered online from Choice Trust
    A consumer also can request a copy of his or her CLUE report by mail to Choice Point's Consumer Disclosure, P.O. Box 105108, Atlanta, GA 30348-5108. Choice Point requests that mail requests be submitted on a form that may be downloaded form the Web site at http://www.choicetrust.com/pdfs/curious_consumer_form.pdf.
  • Comprehensive Loss Underwriting Exchange (C.L.U.E.)

Offer to Purchase Insurance Contingencies

• Insurance Contingencies

Homebuyer Handout

• Insurance Tips for HomeBuyers

Wisconsin Insurance Resources

• State of Wisconsin, Office of the Commissioner of Insurance
• The Wisconsin Insurance Plan (WIP) provides basic insurance coverages for properties that cannot be insured by other insurance companies. WIP may be contacted inline at http://www.wisinsplan.com, by mail to 700 West Michigan Street, Suite 320, Milwaukee, Wisconsin 53233-2415, by telephone (414-291-5353), by fax (414-291-5365) or by E-mail thewip@execpc.com.
  

REALTOR® Insurance Resources

For additional information about the insurance issues impacting real estate transactions, see NAR Field Guide to Insurance Availability

WRA Legal Hottips

• Disclosure - Insurability

Wisconsin REALTOR® Articles

• Insurability as a Material Adverse Fact?
• Homeowner's Insurance Update-We're 51st by Eric Englund, President of the Wisconsin Insurance Alliance 
• Insurance May Be Barrier to Homeownership