Good point. I dug into it a bit and discovered that only a few select types of public records are shown on consumer credit reports. Traditionally, that section was used to report bankruptcies, tax liens and civil judgments. State attorneys general have pressed the CRA's to verify or remove tax liens and civil judgments (Link), so essentially all that remain are bankruptcies. Link. In other words, financing statements were never reported on consumer credit reports.
That makes intuitive sense to me, because the mere existence of a financing statement is not an indication that the debtor has defaulted on any obligation, and that's really what the public records section of the credit report is about.
In sum, the answer appears to be:
- Business -- UCC financing statements are shown on the report but do not affect the score.
- Consumer -- UCC financing statements are not shown and do not affect the score.
