Bruce Kullman from Simi Valley, CA

Age 66 b. 1960 Male
๐Ÿ“ 2127 Ravenna St
๐Ÿ“ž (805) 587-8272 (Cell), (805) 587-8273, (805) 579-8557
โœ‰๏ธ k5474@cnmnetwork.com

Bruce Kullman from Solon, OH

Age 86
๐Ÿ“ 37000 Fox Run Dr, Solon, OH 44139
๐Ÿ“ž (330) 562-3436, (440) 248-0652, (440) 248-0652, (513) 523-8580, (330) 562-3436
โœ‰๏ธ iamnutsu@aol.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Daniel F Kullman,Stephen Charles Kullman,Mary M Kullman

Bruce Kullman

Age 67 b. 1958-09-05
๐Ÿ“ 1359 Sw 25th Ln, Palm City Fl
๐Ÿ“ž (772) 485-1811, (772) 485-1811
โœ‰๏ธ BRUCE.KULLMAN@FPL.COM

Bruce Kullman from Woodruff, SC

Age 60 b. 1966 Spartanburg Co.
๐Ÿ“ 1013 Old Spartanburg Hwy
๐Ÿ“ž (864) 476-0514, (864) 567-7013

Bruce Kullman from Palm City, FL

Age 67 b. Sep 1958 Martin Co.
๐Ÿ“ 1359 Sw 25th Ln
๐Ÿ“ž (772) 220-6740

Bruce Kullman from Abbeville, AL

๐Ÿ“ 115 Mcswean Dr, Abbeville, AL 36310
๐Ÿ“ž (334) 585-2440, (334) 585-1182

Bruce Kullman from Westbrook, ME

Age 72 b. Jul 1953 Cumberland Co.
๐Ÿ“ 665 Saco St 134

Bruce Kullman from Dothan, AL

Houston Co.
๐Ÿ“ 1304 Cornell Ave
๐Ÿ“ž (423) 472-2518

Bruce Kullman from East Palatka, FL

Putnam Co.
๐Ÿ“ 118 Hiawatha Ct

Bruce Kullman from Maple Heights, OH

Cuyahoga Co.
๐Ÿ“ 16129 Friend Ave

Bruce Kullman from Canton, MI

Wayne Co.
๐Ÿ“ 42015 Ford Rd 259

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 11 contact records for Bruce Kullman across 7 states. The most recent address on file is in Simi Valley, California. Of these records, 7 include phone numbers and 3 include email addresses. The listed age is 86. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Kullman Bruce &

Nassau County
PIN: 01-6N-29-0201-0071-0000
· 18 Laurel Oak, Fernandina Beach 32034
Value: $419,962

Kullman Bruce

Alachua County
PIN: 06678-015-038
· 7317 SW 21st
Built: 1986.0
Assessed: $96,600

Kullman Bruce &

Nassau County
· 18 Laurel Oak, Fernandina-Beach 32034.0
Built: 1987.0
Assessed: $542,212

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 3 property records linked to Bruce Kullman in Fernandina-Beach. Values shown are from county assessor records and may differ from current market prices.

Bruce R Kullman

1359 SW 25th Ln, Palm City, , 34990

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 1 voter registration record was found for Bruce Kullman in . Voter data is released as public information under state election laws and reflects status at time of the state data release.

2010 NISSAN PATHFINDER
ยท Registered to: Bruce Kullman
ยท VIN: 5N1AR1NN5AC604871
·
1359 SW 25th Ln, Palm City, FL, 34990-2115
2007 HYUNDAI TUCSON
ยท Registered to: Bruce Kullman
ยท VIN: KM8JM12B17U520008
·
152 Kensington Ct, Aurora, OH, 44202-7890
·
(330) 562-3436

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 2 vehicle registration records are associated with Bruce Kullman. Registered makes include Nissan, Hyundai. The most recent model year on record is 2010. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Kriegler, Samuel B MD

Bruce KullmanCeo
(772) 220-6740bruce_kullman@fpl.com
1359 Sw 25th Lane, Palm City, FL34990
woodlandurology.com

Bruce Kullman

United States

Kriegler, Samuel B MD

Bruce KullmanCeo
(772) 220-6740bruce_kullman@fpl.com
1359 Sw 25th Lane, Palm City, FL34990

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 4 business affiliations were found for Bruce Kullman. Companies include Kriegler, Samuel B MD. Roles listed include Ceo. Records are compiled from state business registries, SEC filings, and professional networking databases.

Bruce Kullman

Chino High School - Chino, CA, CA
1977

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Bruce Kullman 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.

$40 Sep 30, 2009
2010
Fpl Pac, Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Principal Pgd Leader @ Florida Power & Light Co Palm City, FL
$60 Nov 24, 2014
2014
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Pgd Engineer @ Florida Power & Light Co Palm City, FL
$60 Aug 31, 2012
2012
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$15 Jan 1, 1
2004
Fpl Pac Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Pgd Leader I @ Power Generation Palm City, FL
$60 Nov 26, 2012
2012
Nextera Energy, INC Political Action Committee
Kullman, Bruce Palm City, FL
$60 Dec 31, 2016
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Reliability Engineer @ Florida Power & Light Co Palm City, FL
$40 Nov 30, 2013
2014
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$40 Oct 31, 2013
2014
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$40 Aug 31, 2015
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Pgd Engineer @ Florida Power & Light Co Palm City, FL
$20 Oct 15, 2014
2014
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Pgd Engineer @ Florida Power & Light Co Palm City, FL
$20 Jul 31, 2012
2012
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$40 Sep 30, 2016
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Reliability Engineer @ Florida Power & Light Co Palm City, FL
$30 Jan 1, 1
2004
Fpl Pac Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Pgd Leader I @ Power Generation Palm City, FL
$15 Jan 1, 1
2008
Fpl Pac Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Sr Pgd Leader @ Florida Power & Light Co Palm City, FL
$60 Nov 28, 2016
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Reliability Engineer @ Florida Power & Light Co Palm City, FL
$40 Jul 31, 2013
2014
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$40 Jun 30, 2014
2014
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$60 Jun 30, 2017
2018
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Reliability Engineer @ Florida Power & Light Co Palm City, FL
$40 Oct 31, 2015
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Pgd Engineer @ Florida Power & Light Co Palm City, FL
$30 Jan 1, 1
2008
Fpl Pac Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Sr Pgd Leader @ Florida Power & Light Co Palm City, FL
$60 Nov 26, 2012
2012
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$45 Jan 1, 1
2004
Fpl Pac Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Pgd Leader I @ Power Generation Palm City, FL
$40 Jun 30, 2012
2012
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$60 Dec 31, 2010
2012
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Operations Specialist @ Florida Power & Light Co Palm City, FL
$40 Sep 30, 2013
2014
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$40 May 31, 2014
2014
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$40 May 31, 2012
2012
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$20 Aug 31, 2009
2010
Fpl Pac, Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Principal Pgd Leader @ Florida Power & Light Co Palm City, FL
$40 Nov 30, 2009
2010
Fpl Pac, Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Principal Pgd Leader @ Florida Power & Light Co Palm City, FL
$60 Aug 31, 2013
2014
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$40 Jul 31, 2009
2010
Fpl Pac, Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Principal Pgd Leader @ Florida Power & Light Co Palm City, FL
$60 Jun 30, 2016
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Reliability Engineer @ Florida Power & Light Co Palm City, FL
$40 Jul 31, 2016
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Reliability Engineer @ Florida Power & Light Co Palm City, FL
$40 Dec 31, 2011
2012
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Operations Specialist @ Florida Power & Light Co Palm City, FL
$40 Nov 30, 2015
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Pgd Engineer @ Florida Power & Light Co Palm City, FL
$40 Jul 31, 2010
2010
Fpl Pac, Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Sr Pgd Operations Specialist @ Florida Power & Light Co Palm City, FL
$40 Sep 30, 2012
2012
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$60 Jul 31, 2015
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Pgd Engineer @ Florida Power & Light Co Palm City, FL
$45 Jan 1, 1
2008
Fpl Pac Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Sr Pgd Leader @ Florida Power & Light Co Palm City, FL
$60 Oct 31, 2009
2010
Fpl Pac, Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Principal Pgd Leader @ Florida Power & Light Co Palm City, FL
$60 Dec 31, 2014
2014
Good Government Management Association Florida Power And Light Company Employees Pac
Kullman, Bruce Principal Pgd Engineer @ Florida Power & Light Co Palm City, FL
$60 Jul 31, 2014
2014
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Pgd Engineer @ Florida Power & Light Co Palm City, FL
$20 Oct 17, 2012
2012
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Sr Pgd Engineer @ Florida Power & Light Co Palm City, FL
$60 Sep 30, 2010
2010
Fpl Pac, Florida Power & Light Co Employees Political Action Committee
Kullman, Bruce Sr Pgd Operations Specialist @ Florida Power & Light Co Palm City, FL
$40 Sep 30, 2015
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Pgd Engineer @ Florida Power & Light Co Palm City, FL
$40 Aug 31, 2016
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Reliability Engineer @ Florida Power & Light Co Palm City, FL
$60 Dec 31, 2015
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Pgd Engineer @ Florida Power & Light Co Palm City, FL
$20 Oct 19, 2016
2016
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Reliability Engineer @ Florida Power & Light Co Palm City, FL
$60 Nov 24, 2014
2014
Nextera Energy, INC Political Action Committee
Kullman, Bruce Palm City, FL
$40 Sep 30, 2014
2014
Nextera Energy, INC. Political Action Committee
Kullman, Bruce Principal Pgd Engineer @ Florida Power & Light Co Palm City, FL
$40 Jul 31, 2016
Nextera Energy, INC. Political Action Committee
Contributor Principal Reliability Engineer @ Florida Power & Light Co Palm City, FL
$60 Jun 30, 2017
Unknown Committee
Kullman, Bruce Principal Reliability Engineer @ Florida Power & Light Company Palm City, FL
$60
2014
Nextera Energy, INC Political Action Committee
Contributor Palm City, FL

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 53 political contribution records found for Bruce Kullman. Total disclosed contributions amount to $2,340. Recipients include Nextera Energy, INC. Political Action Committee, Nextera Energy, INC Political Action Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Bruce Kullman

Age 58 Male
·
2127 Ravenna St, Simi Valley, CA 93065 (Ventura County)
34.2753, -118.7400
Marital: Married TZ: Pacific
Edu: Graduate School
Homeowner Single Family Built 1964 Purchased 1994
MP

Bruce Kullman

Age 82 Male
·
3084 US Highway 431 S, Abbeville, AL 36310 (Henry County)
31.5550, -85.2655
Marital: Single TZ: Central
Single Family
MP

Bruce C Kullman

Age 64 Male
·
665 Saco St, Westbrook, ME 04092 (Cumberland County)
43.6593, -70.3827
Marital: Married TZ: Eastern
Homeowner Multi-Family Built 1981
MP

Bruce R Kullman

Age 58 Male
·
1359 SW 25th Ln, Palm City, FL 34990 (Martin County)
27.1880, -80.2868
· (407) 220-6740
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1987 Purchased 1998
MP

Bruce W Kullman

Age 89 Male
·
152 Kensington Ct, Aurora, OH 44202 (Portage County)
41.3133, -81.3773
· (330) 562-3436
Marital: Married TZ: Eastern
Occ: Professional Edu: Some College
Homeowner Single Family Built 1998 Purchased 2005

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 5 demographic profiles associated with Bruce Kullman. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find Bruce Kullman on the map

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Bruce Kullman in Simi Valley, CA: Background Summary

Location
2127 Ravenna St, Simi Valley, CA 93065
Other Locations
Woodruff, SC ยท Palm City, FL ยท Abbeville, AL and 5 more
Profiles Found
11 people with this name
Phone Numbers
(805) 587-8273 and 10 others on file
Email
k5474@cnmnetwork.com and 2 others on file
Possible Relatives
Daniel F Kullman, Stephen Charles Kullman, Mary M Kullman
Career
Ceo at Kriegler, Samuel B MD
Properties
2properties owned
Vehicles
2 linked โ€” 2010 Nissan Pathfinder, 2007 Hyundai Tucson
Contributions
$2,340 total โ€” Nextera Energy, INC Political Action Committee, Nextera Energy, INC. Political Action Committee

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 Bruce Kullman. Because public records are indexed by name rather than by a unique identifier, the 82 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 Bruce Kullman

Search Complexity: High

82 public records across 7states, belonging to approximately 11 different individuals. With 11 distinct profiles across 7 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Political Contribution Records section may be most helpful for disambiguation because these records include employer and occupation, which are strong distinguishing fields.

Geographic Distribution

Records are widely distributed across 7 states. Highest concentration: Florida (11%), followed by Ohio and California. Spans the South and Midwest regions.

FL9recordsOH4recordsCA4recordsAL3recordsSC2recordsME2records

Record Type Breakdown

Data spans 6 record categories. Largest: Political Contribution Records (70%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (13) and Business & Corporate Filings (4).

53
Political Contribution Records
13
Contact & Address Records
4
Business & Corporate Filings
3
Property Ownership Records
2
Vehicle Registration Records
1
Voter Registration Records

Age Distribution

Age range: approximately 26 years, suggesting multiple generations. Largest group: Senior (65+) (75%).

Senior (65+)3peopleMiddle-Age (40-64)1person

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

Frequently Asked Questions About Bruce Kullman

Is Bruce Kullman a registered voter?
Yes, voter registration records show Bruce Kullman is registered in . We found 1 voter registration entry across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Bruce Kullman own property?
County assessor records show 3 properties associated with Bruce Kullman . 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 Bruce Kullman?
Records show 2 vehicle registrations associated with Bruce Kullman, including a 2010 NISSAN PATHFINDER. Registered makes include Nissan, Hyundai. 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 Bruce Kullman?
We found 4 business affiliations for Bruce Kullman (CEO). Business records are compiled from state registries, SEC filings, and professional databases.
Has Bruce Kullman made political donations?
FEC disclosure records show 53 reported political contributions from Bruce Kullman, totaling $2,340. Recipients include Nextera Energy, INC. Political Action Committee and Nextera Energy, INC Political Action Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Bruce Kullman?
Our database contains 82 total records for Bruce Kullman spanning 7 states. This includes 11 distinct contact records, 7 with phone numbers, 3 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 Bruce Kullman?
The 82 records displayed for Bruce Kullman 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 Bruce Kullman 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.