Online UCC search showing lapsed continuation - bank says still active?

This happened to me last month - online search showed lapsed but the SOS office had the continuation when I called directly.

How long does it usually take for online UCC search systems to update after a filing?

That's what I'm thinking - asked them for the stamped copy yesterday but haven't heard back yet.

If they can't produce it immediately, that's a red flag. Continuations should be in their system right away.

Banks have been sloppy about continuation deadlines lately. I've seen three cases this year where they missed the window entirely.

Never heard of that service but sounds useful. Does it check against the actual state database or just compare your documents?

It verifies document consistency - super helpful for catching name mismatches or filing number errors that could void your security interest.

Interesting, will have to check that out. Been doing manual document reviews and it's time consuming.

Which states have the most reliable online UCC search portals in your experience?

Delaware and Wyoming are pretty good. Some others can be 2-3 weeks behind on indexing new filings.

That seems harsh but I've definitely seen lenders get sloppy with continuation deadlines.

Not harsh at all - a lapsed UCC means unsecured debt. Banks should be able to produce continuation paperwork instantly.

Exactly! If they don't have the stamped UCC-3 ready to show you, they probably messed up the timing.

Good point - our legal name changed slightly when we converted to an LLC last year.

That could definitely be it. Name changes require amendments to keep the UCC perfected.

Wait, if they changed entity types wouldn't that require a whole new UCC-1 filing, not just a continuation?

How long did that take to fix? Did it create a gap in perfection?

About two weeks total. No gap because the original continuation was timely filed, just incorrectly indexed due to the name issue.

Smart approach. Do you use the state portals directly or go through a service?

Mix of both depending on the state. Some state systems are easier to navigate than others.

Quarterly searches seem excessive unless you have a lot of liens to track.

Also try searching by filing number if you have it from the original UCC-1.

Filing number searches usually work better than name searches for finding specific documents.

That sounds really helpful for document verification. Does it flag other types of inconsistencies too?

Yes, it checks filing numbers, collateral descriptions, dates - basically anything that could cause perfection issues.

Wish I had known about this service earlier. Spent hours manually cross-checking documents last month.

At least you found the problem! Entity name changes are tricky for UCC filings.

Good catch. Make sure the amendment references both the old and new entity names properly.

This is exactly why online UCC search results can be misleading. The filing was there, just not indexed correctly.