Guides & API documentation
Understand the records you see
A filing is evidence that a record was published. Read its identity match, dates and retained events before drawing conclusions about the carrier.
Updated September 28, 2026
Read a filing in this order
- Confirm the match. Check the debtor name and address against the carrier. The match explanation identifies whether the legal name or DBA and physical or mailing address matched.
- Check jurisdiction and file number. A state and file number identify a filing chain. The filing state can differ from the carrier's operating address.
- Read the whole timeline. Original filings, amendments, continuations and other retained events belong to that chain. Multiple events are not automatically multiple loans.
- Check the source dates. A recently loaded page can show an older government export or an older carrier address.
- Follow the state source link. Links open the relevant portal or dataset; you may need to search by file number. Review the original records and resolve conflicting information before making your own decision.
A UCC financing statement is not proof of unpaid debt, financial distress, a current loan balance, fraud or carrier suitability. Secured parties shown are parties recorded in retained history; the list does not identify who currently holds a debt.
We preserve source-reported statuses. “Filed” or “Active” is not a verified debt balance; “Lapsed” is not proof of repayment. Some source dates are unknown or use no-fixed-lapse values and are displayed without an invented date.
What is available today
| Source | History available | Limit to remember |
|---|---|---|
| Florida | Retained filings, debtor and secured-party records, and events from the September 23, 2026 export. | The source export date is known; its original download time was not recorded. |
| Colorado | Available UCC filings and retained events linked to debtor and secured-party records. | Other lien categories are excluded; retained history is not a guarantee of every filing ever made. |
| Connecticut | Active and recently lapsed state liens, including UCC and other categories. | This is not an all-time UCC-only archive. |
| Oregon | Previous-month filing activity; the initial import covers August 2026. | An event may appear without its original filing or intervening history. |
These are imported snapshots. Scheduled UCC refresh and UCC change email alerts are not active. The government source's publishing cadence does not mean VerifyCarrier has fetched its latest publication. Use each record's displayed dates.
California matches are still under review and not published. Other states are not included in the current UCC feed. Independent NHTSA/NTSB crash-event history and carrier news are not published yet. Available BASIC indicators are not an accident-event feed.
The September 28, 2026 batch matched 49,754 distinct active U.S. carriers to 171,721 unique state/filing chains. A chain can name multiple carriers. These counts describe historical matches; they are not counts of risky carriers or a percentage of carriers continuously monitored.
Different dates answer different questions
- Source as of
- The source update, export date or covered activity watermark available for that source. For Oregon, it is the latest filing date in the monthly export, not a live update time.
- Retrieved
- When VerifyCarrier obtained or queried the data, when recorded. It does not mean the government changed the record at that time.
- Filed, event and lapse dates
- Dates reported for that particular filing or event. They are different from when we imported the source.
- FMCSA matching snapshot
- The census snapshot used to match a filing to a USDOT number. Individual carrier details can be older.
- MCS-150 filing date
- The carrier's reported filing date in the census. It is not proof of when its address changed. Missing, invalid or older-than-two-year dates prompt an identity-freshness warning.
- Unknown / not recorded
- We cannot establish that timestamp. We do not substitute today's date.
The card marks a source as needing refresh after 10 days for Florida, 3 days for Colorado/Connecticut, or 45 days for Oregon; missing or invalid dates also need review. These are display thresholds, not update guarantees.
How a match is made—and what can be missed
Automatic matches require the normalized legal name or DBA together with the full street address, state and ZIP, using physical or mailing addresses as identified in the explanation. Unit numbers are preserved. When that combination points to multiple USDOT numbers, it is withheld from automatic matches.
Formatting changes, older names, moved addresses and source omissions can prevent a match. A matched historic address can still be outdated. Exact matching reduces ambiguity but does not guarantee identity: review the evidence, especially when the carrier record is old.
No confirmed match means none was found under those rules in the imported sources. Unavailable means the evidence could not be loaded or validated. Neither means “no liens” or “clear.”
Use the same evidence in your workflow
Follow the monitoring guide and populated examples to view these records beside carrier evidence. Expand filings and use the page controls to inspect all retained history.
The evidence API returns the same matched filing records, source dates and matching explanations. Paginate to retrieve all filings and keep the batch ID with your export. A saved dashboard review does not yet include a UCC evidence snapshot.
If a record appears mismatched, contact support with the USDOT number, filing state, file number, and the conflicting source information. A request for investigation is not confirmation that the government record is wrong.