UCC Filings.

Your financial executive's credit report only tells half the story. CIChecked's UCC filing searches dig deeper than surface-level credit scores to uncover the secured debt reality—because when someone's handling your money, you need to know what collateral they've already pledged to other lenders.

What UCC Filings Actually Reveal

• Secured Debt Obligations: Current liens against personal and business assets that traditional credit reports might miss
• Collateral Commitments: What assets candidates have already pledged as security for existing loans
• Financial Leverage Patterns: Multiple UCC filings that reveal concerning debt accumulation or financial pressure
• Default Risk Indicators: Filing patterns that suggest financial distress or poor debt management
• Business Asset Encumbrances: Commercial equipment, inventory, or accounts receivable already pledged as collateral

Those basic Secretary of State searches online? They're about as comprehensive as checking someone's business card and calling it financial due diligence. Real UCC filing verification requires multi-state searches, name variation analysis, and historical filing patterns that only licensed Private Investigators can properly access and interpret.

The Multi-State Advantage

CIChecked's comprehensive approach searches UCC filings across all jurisdictions where candidates have lived and conducted business. While others check one state and call it thorough, we're uncovering the complete secured debt landscape that includes out-of-state obligations, complex financing arrangements, and potential red flags that could impact job performance.

Bottom Line: UCC filings aren't automatically disqualifying, but they reveal financial obligations and leverage that could create conflicts of interest or performance issues. Our searches provide the complete secured debt picture you need to make informed hiring decisions while protecting your organization from financially compromised candidates.