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Amina Bah

UCC search Idaho portal showing conflicting results - anyone else seeing this?

I've been doing UCC searches on the Idaho Secretary of State portal and getting some really weird results. Yesterday I searched for a debtor name that I KNOW has active filings (we filed a UCC-1 last month) and the search came back empty. But when I try slight variations of the name, sometimes filings appear and sometimes they don't. Has anyone else run into issues with UCC search Idaho results being inconsistent? I'm worried I'm missing liens or that our own filings aren't showing up properly. This is for a commercial lending deal and I can't afford to miss existing liens. Any tips on making sure the Idaho UCC search is actually catching everything?

Oliver Becker

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Yeah Idaho's search can be finicky with exact name matches. Are you trying different variations like with/without commas, periods, LLC vs L.L.C.? Their system is pretty literal about punctuation.

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Amina Bah

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I tried a few variations but maybe not enough. The debtor name has 'Inc.' at the end - should I be searching with and without that?

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Oliver Becker

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Definitely try both. Also try 'Incorporated' spelled out. Idaho's database doesn't always handle abbreviations consistently.

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CosmicCowboy

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I had this exact problem last week! Spent 2 hours thinking a debtor was clean when there were actually 3 active UCC-1s. Turns out I was searching 'John Smith Enterprises LLC' but the filings were under 'John Smith Enterprises, LLC' - that one comma made all the difference.

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This is why I always do at least 4-5 different name variations for every search. Better safe than sorry when you're dealing with liens.

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Javier Cruz

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Same here. I keep a checklist of variations - with/without punctuation, abbreviated vs spelled out, different word orders if applicable.

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Amina Bah

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That's a good point about the comma. I'll try being more systematic with the variations.

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Emma Thompson

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Have you tried using Certana.ai's document verification tool? I started using it after making a costly mistake on a UCC search. You can upload your search results and it cross-checks everything to make sure you didn't miss any variations or filings. It's been a lifesaver for catching inconsistencies in debtor names across different documents.

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Malik Jackson

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How does that work exactly? Do you upload the UCC search results or the actual filings?

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Emma Thompson

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You can upload PDFs of your search results and any UCC documents you're comparing. It automatically checks for name variations and catches discrepancies you might miss manually.

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Amina Bah

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That sounds useful. I'm definitely making mistakes trying to cross-check everything manually.

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Idaho's system has always been wonky. I've been dealing with their UCC database for 10 years and it hasn't gotten any better. Sometimes filings take days to show up in searches even after they're accepted.

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StarSurfer

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Days?? That's terrifying. How are you supposed to do accurate lien searches if recent filings don't show up?

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You have to call them directly for anything time-sensitive. The online search is more of a starting point than a complete picture.

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Ravi Malhotra

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Are you using the 'Contains' search option instead of 'Exact Match'? That usually catches more variations but you get more results to sift through.

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Amina Bah

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I've been using exact match mostly. I'll try contains and see what comes up.

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Contains will give you a lot more results but it's worth it. You can always narrow down from there.

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Omar Hassan

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This is exactly why I hate relying on state databases. They're all different and none of them work consistently. Makes me nervous every time I have to certify a search.

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At least Idaho has an online system. Some states still make you call or fax for searches.

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Diego Chavez

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True, but a bad online system might be worse than no online system if it gives you false confidence.

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Omar Hassan

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Exactly my point. I'd rather know I need to call than think I did a complete search when I didn't.

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NeonNebula

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Have you tried searching by filing number if you know any of the UCC numbers? Sometimes that works better than name searches.

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Amina Bah

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I don't have other filing numbers - I'm trying to find what liens might already exist on this debtor.

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In that case you're stuck with name searches. Just be extra thorough with the variations.

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Sean Kelly

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Try searching the debtor's trade names too if they have any. Sometimes UCC-1s get filed under DBA names instead of the legal entity name.

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Zara Mirza

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Good point. Also check if they've changed their legal name recently - old filings might be under the old name.

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Amina Bah

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I hadn't thought about DBA names. I'll need to research what other names they might use.

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Luca Russo

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Idaho's search is notorious for this. I always run searches multiple ways and then call their office to verify I haven't missed anything important. It's extra work but worth it for peace of mind.

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Nia Harris

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Do they actually help when you call? Some state offices are pretty useless on the phone.

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Luca Russo

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Hit or miss depending on who you get, but they can at least confirm if there are filings you're not seeing in the online search.

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GalaxyGazer

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I've had good luck with Certana's UCC verification tool for this exact issue. Upload your search results and it flags potential name variations you might have missed. Saved me from missing a critical lien that would have caused problems with my lender.

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Mateo Sanchez

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How much does something like that cost? Sounds like it could be worth it for important deals.

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GalaxyGazer

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The value is definitely there when you consider the cost of missing a lien. Much cheaper than dealing with a priority dispute later.

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Amina Bah

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I'll look into that. Missing a lien would be a disaster on this deal.

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Aisha Mahmood

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One trick I use is to search for just the first word of the company name, then scan through all the results. Takes longer but catches things you might miss with more specific searches.

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Ethan Moore

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That's a good idea for thorough searches. Time consuming but comprehensive.

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I do something similar - search by just the last name if it's a person, or the main business name without entity type.

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Carmen Vega

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Just to double-check - you're searching in the right state, right? I once spent an hour searching Idaho when the business was actually incorporated in Delaware.

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Amina Bah

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Ha! Yes, definitely Idaho. The business operates here and that's where we filed our UCC-1.

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Had to ask - we've all been there at some point!

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