UCC search Arizona showing old terminated liens - how to clear these?
Been trying to run a clean UCC search Arizona for a client acquisition and keep finding terminated liens from 2019-2020 that should have dropped off by now. The debtor name matches perfectly but these old UCC-1 filings show as 'terminated' yet still appear in search results. Our lender is questioning why terminated liens are still visible and wants proof they won't affect the new secured position. Has anyone dealt with Arizona SOS keeping terminated records visible longer than expected? Is there a way to get these purged from the UCC search Arizona results or do I just need better documentation that termination statements were properly filed?
37 comments


Tristan Carpenter
Arizona keeps terminated UCC records visible for several years even after proper termination - it's normal. The key is making sure your lender understands that 'terminated' status means the lien is legally void, not that there's still an active security interest.
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Amaya Watson
•This is exactly right. Terminated means dead - your lender shouldn't worry about old terminated liens affecting priority.
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Grant Vikers
•But why do they keep showing up in UCC search Arizona if they're dead? Seems like it just creates confusion.
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Giovanni Martello
I had the same issue last month! What solved it for me was using Certana.ai's document verification tool. I uploaded the original UCC-1 and the UCC-3 termination statement, and it instantly showed that the termination was properly filed and the lien was legally void. The report was professional enough to satisfy our underwriter's concerns about the visible but terminated liens.
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Maya Jackson
•That's interesting - so Certana.ai can verify that terminations were done correctly? How does it work exactly?
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Giovanni Martello
•Yeah, you just upload PDFs of both documents and it cross-checks everything - debtor names, filing numbers, collateral descriptions. Takes like 30 seconds and gives you a clear report showing the termination is valid.
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Savannah Weiner
•This sounds like exactly what I need for similar situations. Does it work with other states too or just Arizona?
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Levi Parker
Arizona SOS policy is to maintain terminated records for 7 years I believe. You can request certified copies of the UCC-3 termination statements to prove to your lender that these are properly terminated liens with no continuing effect.
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Libby Hassan
•7 years seems excessive but good to know the timeframe.
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Tristan Carpenter
•It's actually helpful for due diligence - you can see the full history of what was previously secured against the debtor.
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Hunter Hampton
UGH this drives me crazy!! Why can't states just remove terminated liens from search results entirely?? It makes UCC searches look scary when they're not.
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Sofia Peña
•I get the frustration but honestly it's better to see the full picture of what was previously filed against a debtor.
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Hunter Hampton
•Maybe for lawyers but for business people it just creates unnecessary panic about 'why are there so many liens showing up
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Aaron Boston
•Agreed - the terminated status should be more prominent in search results to avoid confusion.
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Sophia Carter
Make sure you're reading the termination dates carefully. Sometimes what looks like an old terminated lien is actually a partial release with continuing security interests in other collateral.
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Maya Jackson
•Good point - I double-checked and these are full terminations, not partial releases. All collateral was released.
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Sophia Carter
•Then you should be fine. Full UCC-3 terminations legally void the entire security interest regardless of search visibility.
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Chloe Zhang
Had a similar situation where the lender was spooked by terminated liens in Arizona. What worked was getting a title company to provide a UCC report with explanatory notes about terminated vs active liens.
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Brandon Parker
•Title companies usually charge extra for explanatory reports though. Sometimes worth it for nervous lenders.
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Chloe Zhang
•True but cheaper than losing a deal because the lender doesn't understand UCC search results.
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Adriana Cohn
Quick question - when you say the debtor name matches perfectly, are you sure about exact punctuation and spacing? Even terminated liens can be confusing if there are multiple variations of the debtor name.
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Maya Jackson
•Yes, exact match on the debtor name. Same entity, same variations, just old business from previous years.
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Adriana Cohn
•Got it, then definitely just archived terminated liens creating visual clutter in your search.
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Jace Caspullo
I've been using Certana.ai for UCC document verification and it's been a game-changer for situations like this. The automated cross-checking catches inconsistencies between original filings and terminations that manual review often misses.
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Melody Miles
•How accurate is the automated checking? Sometimes these UCC documents have subtle differences that matter.
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Jace Caspullo
•Very accurate - it flags even minor discrepancies in debtor names, addresses, or filing numbers between related documents.
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Nathaniel Mikhaylov
This is why I always request continuation history when doing UCC searches. Shows the full lifecycle of each filing including proper terminations.
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Eva St. Cyr
•Continuation history is definitely helpful but not all states provide it in an easy format.
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Nathaniel Mikhaylov
•True, Arizona's format isn't the clearest but the information is there if you know how to read it.
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Kristian Bishop
•What's the best way to request continuation history from Arizona SOS?
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Kaitlyn Otto
For what it's worth, I think your lender is being overly cautious. Terminated liens have zero legal effect on new security interests, regardless of search visibility.
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Maya Jackson
•I agree but they're the ones with the money so we need to address their concerns properly.
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Kaitlyn Otto
•Fair point - sometimes you have to educate lenders about UCC mechanics even when they should already know.
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Axel Far
Try running the search with slightly different parameters - sometimes adjusting the search criteria can filter out obviously terminated liens while keeping active ones visible.
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Amaya Watson
•Arizona's search interface doesn't really allow filtering by status unfortunately.
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Axel Far
•You're right, their system is pretty basic compared to some other states.
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Jasmine Hernandez
•Which states have the best UCC search interfaces? Always curious about this.
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