all accounts are a matter of record, public record. Also, much if not most of the consumer report information is pulled from public records - or the information is obtained from entities whose original purpose was to track legal information (but then they became traffickers of information once they saw how lucrative the business model could be.) Of course they help. But of course they can also hinder, just like any other statement of account.
A UCC-1 is called A FINANCING STATEMENT it is exactly that a statement about financing. It is a statement or record of account regarding a cr