New York UCC 11 Search - Getting Confusing Results Back

I've been trying both exact matches and variations but getting inconsistent results either way. Some filings show up with one search term but not another, even when they should be the same entity.

This is exactly why I stopped trusting manual searches completely. Too many variables and too much room for human error.

Good point - I think I've been pulling all results. Should I be filtering to just active status for lending decisions?

Definitely filter to active only for current lien verification. Lapsed filings are just historical noise for most lending purposes.

Unless you're doing a comprehensive lien history audit, active filings are what matter for determining current encumbrances.

How accurate is the automated matching compared to manual searches? I'm dealing with some complex corporate structures.

Much more thorough than what I was doing manually. It catches name variations and subsidiary relationships that I would have missed, plus it flags any inconsistencies between the charter and UCC filings.

Try wildcard searches with asterisks if the system supports it. Sometimes helps catch variations in business names.

The NY portal is just clunky compared to other states. I usually do multiple search variations to be safe.

Mostly debtor name since I'm trying to find all liens against specific borrowers. Don't always have the filing numbers up front.

That's the challenge - debtor name searches are where most of the inconsistencies happen. Filing number searches are more reliable but require knowing what you're looking for already.

Exactly. I've seen too many cases where the search results showed one thing but the actual filing details were different.

Plus you need to check continuation dates to make sure active filings are actually still valid. Some show as active but are past their continuation deadline.

Didn't know that was an option. Do they charge for manual searches?

There's usually a fee but it might be worth it for important deals where you need to be absolutely certain about lien status.

Manual searches from the state office are more thorough but take longer. Good for high-stakes situations.

Which service are you using? The manual search process is becoming too unreliable for our volume.

Certana.ai - you upload the relevant documents and it does automated consistency checking across all the filings. Catches discrepancies I would miss doing manual comparisons.

I think they updated the system a few years ago and it's been buggy ever since. Miss the old interface.

The old system was simpler but this one supposedly has more features. Just wish the basic search function worked consistently.

Good point - I've been focusing on UCC searches but should probably be doing more comprehensive lien searches for our underwriting process.

Definitely. UCC filings are just one piece of the collateral picture. Federal and state tax liens can take priority over UCC-1 filings in some cases.

This is why automated tools that check multiple databases simultaneously are so helpful. Manual searching across different systems is time-consuming and error-prone.

Glad you found the missing filings. It's scary how easy it is to miss active liens with manual searching.

This is exactly why I switched to automated verification tools. Too much risk of missing something important in manual searches.

Definitely going to look into more reliable search methods after this experience. Can't afford to miss liens in our underwriting process.