While it won't damage your credit scores, a UCC filing can impact your ability to obtain credit in the future.

A Uniform Commercial Code-1 (UCC-1) statement is a legal notice creditors can file to publicly declare their right to obtain the personal property of debtors who default on business loans they extend.

Filing a UCC statement costs $20 for the first two pages and two dollars for every page thereafter. Individuals looking to file the statement can go directly to the SOS website here: https://www ...