Mr Benjamin K Budd from Ellenville, NY

Age 53 b. 11/25/1972
๐Ÿ“ 7 Sands Ln, #ellenville, NY 12428-5435
โœ‰๏ธ bbudd1@hvc.rr.com, bbudd@netscape.net
๐Ÿ• 16 previous addresses

Benjamin Budd from North Vernon, IN

Age 53 b. 9/13/1972
๐Ÿ“ 4823 W Cortez, #north Vernon, IN 47265
โœ‰๏ธ benjamin.budd@aol.com
๐Ÿ• 2 previous addresses

Benjamin Budd from Cape May C H, NJ

Age 86
๐Ÿ“ 64 Wynndemere Ct, Cape May C H, NJ 08210
๐Ÿ“ž (610) 459-9011
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Baldwin Anne Budd,Irene A Budd,Dawn A Budd,Anne Marie Buddbaldwin,Ann M Budd,Annmari M Schalleur

Benjamin Budd from Villas, NJ

Age 57
๐Ÿ“ 102 New York Ave, Villas, NJ 08251
๐Ÿ“ž (732) 886-3283, (732) 886-7429, (609) 374-4751
๐Ÿช Budds Grading & Excavating

Benjamin Budd from Pequannock, NJ

0
๐Ÿ“ 200 Newark Pompton Tpke #d, Pequannock, NJ 07440
๐Ÿ“ž (973) 686-0007, (973) 835-9438
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Annie L Budd,Laurie A Chabot,George B Budd,A Budd

Benjamin Budd from Spring Glen, NY

Age 41
๐Ÿ“ 463 Po Box, Spring Glen, NY 12483
๐Ÿ“ž (845) 434-3970, (845) 434-5576
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Carol C Budd,Victor Carol Budd

Benjamin Budd from Roscommon, MI

Roscommon Co.
๐Ÿ“ 111 Whispering Pines Ct
๐Ÿ“ž (989) 821-4767, (989) 390-9158

Benjamin Budd from Tucson, AZ

Age 49 b. 1977 Male
๐Ÿ“ 1617 N Sycamore Blvd
๐Ÿ“ž (919) 649-0687 (Cell)
โœ‰๏ธ benjaminjbudd@gmail.com

Benjamin Budd from Two Harbors, MN

Age 50
๐Ÿ“ 725 6th Ave, Two Harbors, MN 55616
๐Ÿ“ž (920) 846-2288, (719) 634-3532, (920) 846-2288, (719) 632-5138, (719) 635-5977
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: John M Budd

Benjamin Budd from Wildwood, NJ

0
๐Ÿ“ 116 Hollywood Ave, Wildwood, NJ 08260
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Dawn A Budd,Michael A Budd,Annmari M Schalleur

Benjamin Budd from Colorado Springs, CO

Age 61 b. Jun 1964 El Paso Co.
๐Ÿ“ 1819 N Nevada Ave
๐Ÿ“ž (719) 635-5977

Benjamin Budd from Deerfield Beach, FL

Age 116 b. Sep 1909 Broward Co.
๐Ÿ“ 505 S Federal Hy 5
๐Ÿ“ž (516) 766-0187

Benjamin Budd from Cape May, NJ

๐Ÿ“ 5 Commander Rd
๐Ÿ“ž (609) 884-5984

Benjamin Budd from Colorado Springs, CO

Age 49 b. 1977 Male
๐Ÿ“ 713 Grand Blvd
๐Ÿ“ž (719) 390-7755

Benjamin Budd from Waterville, OH

Age 58 b. Jan 1968 Lucas Co.
๐Ÿ“ 822 Avalon Rd

Benjamin Budd from Two Harbors, MN

Age 61 b. Jun 1964 Lake Co.
๐Ÿ“ 725 6th Ave

Benjamin Budd from Merritt, MI

Age 45 b. Aug 1980 Missaukee Co.
๐Ÿ“ 1194 S Merritt Rd

Benjamin Budd from Raleigh, NC

Wake Co.
๐Ÿ“ 2733 Everett Ave
๐Ÿ“ž (919) 834-0226

Benjamin Budd from Liberty, NY

Sullivan Co.
๐Ÿ“ 84 Champlin Ave 4
๐Ÿ“ž (651) 451-2453

Benjamin Budd from State College, PA

Centre Co.
๐Ÿ“ 128 Lian Dr

Benjamin Budd from Villas, NJ

Cape May Co.
๐Ÿ“ 109 Fulling Mill Rd

Benjamin Budd from Cape Coral, FL

Lee Co.
๐Ÿ“ 2133 Se 10th Ave

Benjamin Budd from Tinton Falls, NJ

Monmouth Co.
๐Ÿ“ 4000 Rt 66

Benjamin Budd from Raleigh, NC

Wake Co.
๐Ÿ“ 1114 Chaney Rd 108

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 26 contact records for Benjamin Budd across 11 states. The most recent address on file is in Roscommon, Michigan. Of these records, 17 include phone numbers and 5 include email addresses. Ages range from 41 to 86, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Budd Benjamin E + Irene A

Lee County
PIN: 024622030000B0260
· 2952 York Rd, Saint James City 33956
Value: $96,697

Budd Benjamin E + Irene A

Lee County
· 2952 York Rd, Pine-Island 33956.0
Built: 2013.0
Assessed: $262,441

Budd, Benjamin & Irene

Residential Cape May County
· 109 Fulling Mill Rd, 08251

Benjamin J Budd

2022 St Lawrence County
· 1365 Sh 345, Potsdam

Benjamin J Budd

2023 St Lawrence County
· 1365 Sh 345, Potsdam

Benjamin J Budd

2024 St Lawrence County
· 1365 Sh 345, Potsdam

Benjamin J Budd

2021 St Lawrence County
· 1365 Sh 345, Potsdam

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 7 property records linked to Benjamin Budd in Pine-Island. Values shown are from county assessor records and may differ from current market prices.

Benjamin Budd

Acworth, 301026908
DOB: 1/1/1975 Gender: Male
Congress: 011

Benjamin Budd

Republican
109 Fulling Mill Rd, Villas, 08251
DOB: 6/29/1957
County: Cape May

Benjamin Budd

Republican
713grand Blvd, Colo Springs, CO, 80911
DOB: 1977 Gender: Male Ph: 719-246-4546
County: El Paso

Benjamin Tillman Budd

218 Amelia Ln, Santa Rosa Beach, , 32459

Benjamin Tillman Budd

Reg: 20040915
4607 Rock Island Ln NW, Acworth, 301026908
Gender: Male

benjamin JACOB budd

Democrat Reg: 10/11/1996
Removed
DOB: 1977 Gender: Male
County: Wake

Benjamin K Budd

Reg: 1/1/71702
0 Red Hill Rd
DOB: 19721125 Gender: Male
Senate: 19

Benjamin K Budd

Reg: 1046692
211 Mt Vernon Rd
DOB: 19721125 Gender: Male
Senate: 19

Benjamin J Budd

Reg: 1/1/122142
1365 State Highway 345
DOB: 19940615 Gender: Male
Senate: 21

Benjamin J Budd

Reg: 617233
862 State Rte 11b
DOB: 19940615 Gender: Male
Senate: 21

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 10 voter registration records were found for Benjamin Budd in Colorado, . Records show affiliations with R, REP, DEM, which may reflect different individuals or changes over time. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2005 CHRYSLER TOWN AND COUNTRY MINIVAN PASSENGER
ยท Registered to: Benjamin Budd
ยท VIN: 2C4GP54L85R265113
·
713 Grand Blvd, Colorado Springs, CO, 80911
2009 Chevrolet Impala
ยท Registered to: Benjamin Budd
ยท VIN: 2G1WB57K091137426
·
11811 Woody Rd, Roscommon, MI, 48653
·
(989) 275-8166
2008 GMC Sierra 1500
ยท Registered to: Benjamin Budd
ยท VIN: 1GTEC14X28Z318333
·
105 Williams St, N Cape May, NJ, 08204
·
(609) 576-3754
1987 NISSAN SENTRA CAR BASIC ECONOMY
ยท Registered to: Benjamin Budd
ยท VIN: 1N4PB21S7HC809502
·
5363 Shiloh Dr, Columbus, OH, 43220
2012 CHEVROLET TAHOE
ยท Registered to: Benjamin Budd
ยท VIN: 1GNSKBE08CR179628
·
105 Williams St, North Cape May, NJ, 08204-3750
·
(609) 576-3754
2009 Mercury Mariner
ยท Registered to: Benjamin Budd
ยท VIN: 4M2CU87G29KJ22910
·
105 Williams St, N Cape May, NJ, 08204
·
(609) 576-3754
2006 Dodge Ram 1500
ยท Registered to: Benjamin Budd
ยท VIN: 1D7HA18N16S549554
·
105 Williams St, N Cape May, NJ, 08204
·
(609) 576-3754
ยท Registered to: Benjamin Budd
ยท VIN: 2342149024
·
10 Thayer Rd, Colorado Springs, CO, 80906

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 8 vehicle registration records are associated with Benjamin Budd. Registered makes include Chrysler, Chevrolet, Gmc, Nissan and others. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Budds Bait & Tackle

Owner
Villas, NJ
Miscellaneous Retail (Stores)

Budd's Tackle Live Crabs

Owner
(609) 886-6935
Villas, NJ
Miscellaneous Retail (Stores)

Benjamin Budd

Mercar Corp

Benjamin BuddChairman
(812) 453-5596benjamin.budd@aol.com
3969 Abbey Way, North Vernon, in47265
merchantfasteners.com

Benjamin Budd

Raleigh-Durham, North Carolina Area

Mercar Corp

Benjamin BuddChairman
(812) 453-5596benjamin.budd@aol.com
3969 Abbey Way, North Vernon, in47265

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 8 business affiliations were found for Benjamin Budd. Companies include Budds Bait & Tackle, Budd's Tackle Live Crabs, Mercar Corp. Roles listed include Chairman. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: 1900 Campbell Rd, Tolar, TX, 76476
TX
PRESIDENT: Benjamin Budd

Udd Industries, INC.

Addr: 1900 Campbell Rd, Tolar, TX, 76476
TX
PRESIDENT: Benjamin Budd

Udd Industries, INC.

ID: 0040572400
Addr: 1900 Campbell Rd, Tolar, TX, 76476
TX
PRESIDENT: Benjamin Budd

Source: Public Records Benjamin Budd appears in 3 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Benjamin Budd

Coosa High School - Rome, GA, GA
1993

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Benjamin Budd has 1 education-related record on file, which may include educator certifications and historical yearbook entries. Yearbook data represents a historical snapshot and may not reflect current information.

$182 Jul 13, 2017
2018
Lu 373 U A Political Action Fund
Budd, Benjamin Wurtsboro, NY
$26 Jan 8, 2016
2016
Lu 373 U A Political Action Fund
Budd, Benjamin Wurtsboro, NY
$3 Jan 25, 2017
2018 DEM
Actblue
Budd, Benjamin Delivery Driver @ Dominos Tucson, AZ
$34 Aug 7, 2017
2018
Lu 373 U A Political Action Fund
Budd, Benjamin Wurstboro, NY
$27 Jan 25, 2017
2018
Justice Democrats
Budd, Benjamin Delivery Driver @ Dominos Tucson, AZ
$10 Nov 2, 2020
2020 DEM
Cunningham, Cal
Budd, Benjamin Delivery Driver @ Dominos Tucson, AZ
$24 Nov 19, 2015
2016
Lu 373 U A Political Action Fund
Budd, Benjamin Wurtsboro, NY
$10 Oct 26, 2020
2020 DEM
McGrath, Amy
Budd, Benjamin Delivery Driver @ Dominos Tucson, AZ
$27 Jan 25, 2017
Justice Democrats
Contributor Delivery Driver @ Dominos Tucson, AZ
$26
2016
Lu 373 U A Political Action Fund
Contributor Wurtsboro, NY

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 10 political contribution records found for Benjamin Budd. Total disclosed contributions amount to $369. Recipients include Justice Democrats, Lu 373 U A Political Action Fund. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Benjamin T Budd

Age 42 Male
·
4607 Rock Island Ln NW, Acworth, GA 30102 (Cherokee County)
34.0644, -84.5793
TZ: Eastern
Edu: High School
Homeowner Single Family
MP

Benjamin J Budd

Age 23 Male
·
39 E Orvis St, Massena, NY 13662 (Saint Lawrence County)
44.9299, -74.8910
Marital: Married TZ: Eastern
Multi-Family
MP

Benjamin Budd

Age 60 Male
·
109 Fulling Mill Rd, Villas, NJ 08251 (Cape May County)
39.0210, -74.9314
· (609) 886-3283
TZ: Eastern
Homeowner Single Family Built 1961 Purchased 1985
MP

Benjamin Budd

Age 53 Male
·
725 6th Ave, Two Harbors, MN 55616 (Lake County)
47.0247, -91.6742
Marital: Single TZ: Central
Single Family
MP

Benjamin Budd

Age 37 Male
·
3135 W Sunset Dr, Roscommon, MI 48653 (Roscommon County)
44.4935, -84.6763
· (989) 821-9860
Marital: Single TZ: Eastern
Occ: White Collar Edu: High School
Homeowner Single Family Purchased 2015
MP

Benjamin J Budd

Age 27 Male
·
286 E Main St, Plain City, OH 43064 (Madison County)
40.1077, -83.2633
· (614) 873-3609
TZ: Eastern
Single Family
MP

Benjamin J Budd

Age 40 Male
·
713 Grand Blvd, Colorado Spgs, CO 80911 (El Paso County)
38.7487, -104.7330
Marital: Single TZ: Mountain
Edu: Some College
Homeowner Single Family Built 1956 Purchased 2005

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with Benjamin Budd. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Note: PPP loans shown are for businesses with addresses associated with Benjamin Budd. These loans were issued to businesses, not individuals.

Budd'S Grading And Excavating LLC

Limited Liability Company(LLC

$73,070 Paid in Full
Address:
109 Fulling Mill Rd
Villas, NJ08251-2213
Approved

Feb 12, 2021

Forgiven

$73,450

Jobs Reported

7

Loan #

7516498403

Loan Size

Small

Budd'S Grading And Excavating LLC

Limited Liability Company(LLC

$73,070 Paid in Full
Address:
109 Fulling Mill Rd
Villas, NJ08251-2213
Approved

May 1, 2020

Forgiven

$73,597

Jobs Reported

7

Loan #

6386557702

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 2 PPP loan records are linked to businesses associated with Benjamin Budd. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Benjamin Budd on the map

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Benjamin Budd in NJ: Background Summary

Location
109 Fulling Mill Rd Villas, NJ 08251-2213
Other Locations
Roscommon, MI ยท Tucson, AZ ยท Colorado Springs, CO and 11 more
Profiles Found
26 people with this name
Phone Numbers
(609) 886-3283 and 25 others on file
Email
bbudd@optonline.net and 8 others on file
Possible Relatives
Irene A Budd JR, Ann M Baldwin, Ann Marie Schalleur, Benjamin E Budd 3RD, Benjamin E Budd and 128 more
Career
Chairman at Budds Bait & Tackle, Budd's Tackle Live Crabs
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
8 linked โ€” 2005 Chrysler Town And Country, 2009 Chevrolet Impala and 6 more
Contributions
$369.35 total โ€” Justice Democrats, Lu 373 U A Political Action Fund
PPP Loans
$146K for Budd'S Grading And Excavating LLC, Budd'S Grading And Excavating LLC

This information is compiled from publicly available records and may include data for multiple individuals with similar names. Data may contain inaccuracies or be incomplete. This information should not be used for employment screening, tenant screening, credit decisions, or any purpose covered by the Fair Credit Reporting Act (FCRA). Always verify information independently before making any decisions.

How to Read This Report

This page aggregates publicly available records from government agencies, court systems, and official registries into a single report for Benjamin Budd. Because public records are indexed by name rather than by a unique identifier, the 87 results displayed here may include information belonging to multiple individuals who share the same name โ€” a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Property Records

Property records originate from county assessor and recorder offices, where real estate transactions, ownership transfers, and tax assessments are documented as a matter of public record. The assessed value shown for a property is the figure used by the county to calculate property taxes and frequently differs from the property's current market value โ€” in many jurisdictions assessed values lag behind market conditions by several years. A property record updates whenever a new deed, lien, or assessment is filed with the county, so the ownership and valuation data shown here reflects the most recent filing available in our sources rather than a real-time snapshot.

Voter Registration

Voter registration data is maintained by state and county election offices and is considered public record under the election laws of most states. The party affiliation shown reflects the voter's registration at the time the record was filed; it does not necessarily indicate current political preferences, as voters may change their affiliation or register differently in subsequent elections. Not all states make their voter files publicly available โ€” some restrict access or redact certain fields such as date of birth or residential address โ€” so the completeness of voter data varies by state. Registration status (active or inactive) indicates whether the election office considers the registration current, not whether the person actually voted in recent elections.

Business and Professional Records

Business records are compiled from state Secretary of State filings, SEC EDGAR corporate disclosures, and professional networking data. When a person appears as an officer, director, or registered agent, it reflects a formal role filed with a government agency โ€” these are legal positions of responsibility, not informal job titles. Records sourced from professional profiles represent information that individuals have chosen to make publicly available about their career history, skills, and affiliations. Business entity registrations show current or historical standing with the state, but a listing does not guarantee the entity is still actively operating.

Campaign Finance Contributions

Federal election law requires the disclosure of political contributions exceeding $200 to any single committee in a calendar year. These records are filed with the Federal Election Commission (FEC) and include the donor's name, mailing address, employer, occupation, and the amount contributed. Contributions to state and local candidates are governed by each state's campaign finance laws, which may set different disclosure thresholds. The data shown here reflects what was reported in official filings and may include contributions made over the course of many election cycles, so the dates and amounts should be read in their historical context.

Vehicle Records

Vehicle ownership records are obtained through sources that comply with the Driver's Privacy Protection Act (DPPA), the federal law that governs who may access motor vehicle records and for what purposes. The records shown indicate vehicles that have been registered to this individual through state DMV systems. Vehicle data may include make, model, year, and VIN, and reflects registration information at the time the record was filed. Vehicles that have been sold, traded, or transferred may still appear until the registration is updated in the state's records.

Important Limitations

Public records may contain outdated information, data entry errors, or records that belong to a different person who shares the same name as the individual you are researching. Government agencies update their records on varying schedules, and the data shown here may not reflect the most recent changes. Information on this page is provided for informational purposes only and should not be used for employment screening, tenant screening, credit decisions, or any other purpose regulated by the Fair Credit Reporting Act (FCRA). Always verify critical details through the originating government agency or official registry.

Your Rights

If you are the person described in these records, you have rights regarding your personal data. Under laws including the California Consumer Privacy Act (CCPA) and similar state privacy statutes, you may request the deletion or correction of your personal information. To submit a removal request, visit our opt-out page. For a complete description of how we collect, use, and protect personal data, please review our privacy policy.

Search Results Analysis for Benjamin Budd

Search Complexity: High

87 public records across 13states, belonging to approximately 26 different individuals. With 26 distinct profiles across 13 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county โ€” highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 13 states. Highest concentration: New Jersey (18%), followed by New York and Colorado. Spans the Northeast and Midwest regions.

NJ16recordsNY6recordsCO6recordsMI5recordsIN4recordsMN3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (39%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Voter Registration Records (10) and Political Contribution Records (10).

31
Contact & Address Records
10
Voter Registration Records
10
Political Contribution Records
8
Vehicle Registration Records
8
Business & Corporate Filings
7
Property Ownership Records

Age Distribution

Age range: approximately 76 years, suggesting multiple generations. Largest group: Senior (65+) (27%).

Senior (65+)3peopleMiddle-Age (40-64)8people

Use the age information shown on individual record cards to help identify the correct person.

Frequently Asked Questions About Benjamin Budd

Is Benjamin Budd a registered voter?
Yes, voter registration records show Benjamin Budd is registered. We found 10 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Benjamin Budd own property?
County assessor records show 7 properties associated with Benjamin Budd . Assessed values are determined by county tax assessors and may differ from market value. These records are sourced from county recorder and assessor offices.
What vehicles are registered to Benjamin Budd?
Records show 8 vehicle registrations associated with Benjamin Budd, including a 2005 CHRYSLER TOWN AND COUNTRY. Registered makes include Chrysler, Chevrolet, Gmc, Nissan. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
What businesses are associated with Benjamin Budd?
We found 8 business affiliations for Benjamin Budd, including Budds Bait & Tackle. Other companies include Budd's Tackle Live Crabs, Mercar Corp. Business records are compiled from state registries, SEC filings, and professional databases.
Has Benjamin Budd made political donations?
FEC disclosure records show 10 reported political contributions from Benjamin Budd, totaling $369. Recipients include Justice Democrats and Lu 373 U A Political Action Fund. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Benjamin Budd?
Our database contains 87 total records for Benjamin Budd spanning 13 states. This includes 26 distinct contact records, 17 with phone numbers, 5 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Benjamin Budd?
The 87 records displayed for Benjamin Budd are aggregated from government agencies, county offices, and official registries. While we source from authoritative databases, records can contain outdated information or belong to a different person with the same name. We recommend verifying important details through the original issuing agency before making decisions based on this data.
Can Benjamin Budd remove this information?
Yes, any individual has the right to request removal of their personal information. Submit a free removal request through our opt-out page. Under the CCPA and similar state privacy laws, you can request deletion of your data. Removal is completed within 48 hours. You do not need to create an account.
Can I use this data for background checks or screening?
No. OpenDataUSA is not a Consumer Reporting Agency under the FCRA. These records may not be used for employment screening, tenant evaluation, credit decisions, insurance underwriting, or any other FCRA-regulated purpose. For official background checks, use an FCRA-compliant service.