Liens

Full Picture of Assets and Liabilities


A lien, also known as a UCC filing, is essentially an agreement based on a loan. There are an abundance of different types of liens an individual can receive from a lender.

The borrower presents collateral, and the lender files a lien stating they have legal right to the asset in case of a default.

Most often, liens are filed on assets like property and cars, or for tax purposes, but are not limited to those categories.

Finding a lien on an applicant is not immediately adverse information. In fact, most people will have at least one lien filed on them at a time, usually for their car or property payment.

Lien searches, or lien lookups, can help you determine the trustworthiness of an applicant, and to a degree, how that individual handles finances.

If you find an applicant with multiple liens, but a solid credit history, that can ultimately increase confidence in the hire.

A lien becomes adverse information when the individual has not paid back the loan in the allotted time frame. It is then referred to as a judgment.

Judgments are considered adverse information immediately by our investigative team at CI. Lien information can be spread throughout a number of different databases, so it is best practice to partner with a professional to ensure your hiring team gets all available information on your applicants.

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Gain insights into candidates' financial backgrounds with precision and reliability. Our suite of Financial Information inquiries equips you with the tools needed to assess risk, ensure financial stability, and make informed hiring decisions.