Lenders who don't search for judgments before extending credit are taking unnecessary risks. Outstanding judgments indicate both financial distress and potential liens that could affect collateral.
What Judgment Searches Reveal
Our judgment searches identify:
Why It Matters for Lenders
Lien Priority
Judgment liens may take priority over subsequent security interests, affecting a lender's ability to recover in default.
Payment Capacity
Outstanding judgments and garnishments reduce a borrower's available income for debt service.
Character Assessment
Multiple judgments may indicate a pattern of financial irresponsibility.
Nationwide Coverage
Our judgment searches cover federal and state courts across all 50 states, providing comprehensive coverage for borrowers who may have moved or done business in multiple jurisdictions.
Best Practices
For thorough due diligence, combine judgment searches with UCC searches, tax lien searches, and comprehensive credit analysis.
