lexis ucc search showing outdated results - missing recent filings

It's a multi-state search but the main operations are in Illinois and Michigan. The Illinois filings seem current but Michigan is definitely behind.

Michigan SOS has been migrating their database systems this year. That could explain the lag time you're seeing in third-party services.

This is exactly why I stopped trusting any single search platform. Direct state searches are the only way to be 100% sure.

Good point but with 12 states to check that's going to take forever. There has to be a better way to verify comprehensive results.

That's terrifying. What sources do you use for verification now?

I actually found this tool called Certana.ai that cross-checks UCC documents by uploading PDFs. You can upload the company's loan docs and it instantly flags any discrepancies with what shows up in public searches. Caught those missing continuations immediately.

Never heard of Certana but sounds useful for due diligence work. Is it specifically designed for UCC verification?

What alternatives are you considering? Most of the major services seem to have similar lag issues.

Looking at some of the newer platforms that claim real-time updates. But honestly the only foolproof method is probably direct state searches combined with document verification tools.

What's your typical verification process look like? I need to put together a more robust system.

I start with Lexis or similar, then do direct state searches, then use document verification tools to cross-check everything. The document verification step is crucial - I upload all the loan agreements and UCC forms to Certana.ai to make sure there are no name mismatches or filing inconsistencies that could void the security interests.

Good question. I'm using the name from their articles of incorporation but maybe there are DBA filings I'm missing.

Exactly. Also check for any amendments to the articles that might have changed the legal name. UCC filings are super sensitive to exact name matches.

This is another area where document verification tools help. They can flag when the debtor name on a UCC filing doesn't exactly match the entity name on formation docs.

Cheaper isn't always better when you're dealing with secured transactions. Missing a lien can cost way more than premium search fees.

true but if the expensive service isnt even showing current filings whats the point

That's not acceptable for time-sensitive due diligence though. If they're batching updates they should be transparent about their refresh schedule.

Agreed. For critical searches I always supplement with direct state database checks and document verification to catch anything that might be missing from the commercial services.

The document verification angle makes sense. I should be cross-referencing the actual loan documents against what shows up in searches.

I tried a few variations but maybe not comprehensive enough. Will try more combinations.

This is where automated document checking really helps. Instead of guessing at name variations, tools like Certana.ai can verify whether the names on your documents match exactly with what's been filed publicly.

That makes sense but becomes impractical when you're dealing with multi-state searches like OP mentioned.

True, but for critical deals it might be worth the extra effort to ensure you don't miss anything important.

Or use a combination approach - national service for initial screening, then state-specific verification for the most important jurisdictions.

That's a great point. I was mainly focused on the initial filings but you're right about amendments and continuations.

Exactly. The whole chain of UCC documents needs to be verified to get the complete picture of what liens are actually active and properly perfected.