Frederick Clemmons

Age 38 b. 1987-09-04
๐Ÿ“ 967 E Rock Springs Rd Ne, Atlanta Ga
๐Ÿ“ž (706) 887-2009, (678) 693-2485
โœ‰๏ธ CLEMMONS8505@GMAIL.COM, clemmons8505@gmail.com

Frederick Clemmons

Age 38 b. 1987-09-02
๐Ÿ“ 4047 Irvington Dr, Charlotte Nc
๐Ÿ“ž (850) 322-2159, (850) 322-2159
โœ‰๏ธ MCLEMMONS13@GMAIL.COM, mclemmons13@gmail.com

Frederick Clemmons

Age 61 b. 1964-09-15
๐Ÿ“ 1920 Grassmere Ln Apt 2117, Mckinney Tx
๐Ÿ“ž (214) 592-3182, (214) 592-3182
โœ‰๏ธ FELICIA_BROUGHTON@YAHOO.COM

Frederick Clemmons

Age 73 b. 1953-06-15
๐Ÿ“ 235 Burning Tree Dr, Hermitage Tn
๐Ÿ“ž (615) 260-6164
โœ‰๏ธ FREDERICK_CLEMMONS@YAHOO.COM

Frederick Clemmons from Brentwood, TN

Age 75
๐Ÿ“ 8212 Rossi Rd, Brentwood, TN 37027
๐Ÿ“ž (615) 331-4286, (615) 883-0996, (615) 883-0996, (615) 885-5670, (615) 331-4286

Frederick Clemmons from Euclid, OH

Age 48
๐Ÿ“ 20291 Major Dr, Euclid, OH 44117
๐Ÿ“ž (216) 531-9950, (216) 692-0749, (719) 597-2526
๐Ÿช Fd Clemmons Trucking Co, Inc

Frederick Clemmons from Cookeville, TN

๐Ÿ“ 800 E Spring St, #cookeville, TN 38501-3684
โœ‰๏ธ frederickclemmons@cox.net

Frederick Clemmons from Old Hickory, TN

Age 51
๐Ÿ“ 560 Needmore Rd, Old Hickory, TN 37138
๐Ÿ“ž (615) 758-5357
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Odessa C Clemmons,Keith L Clemmons,Hervie Clemmons,Dan R Clemmons

Frederick Clemmons from Little Elm, TX

Age 60 b. Sep 1965 Denton Co.
๐Ÿ“ 2468 Morning Dew Dr
๐Ÿ“ž (469) 362-4288

Frederick Clemmons from Tallahassee, FL

Age 72 b. Apr 1954 Leon Co.
๐Ÿ“ 8598 Manor Dr
๐Ÿ“ž (850) 562-7460

Frederick Clemmons from Old Hickory, TN

Age 63 b. Jun 1963 Davidson Co.
๐Ÿ“ 276 Needmore Rd
๐Ÿ“ž (401) 377-8912

Frederick Clemmons from Atlanta, GA

Age 38 b. Sep 1987
๐Ÿ“ 967 E Rock Springs Rd Ne
๐Ÿ“ž (850) 322-2159
๐Ÿ‘ค aka Mike Clemmons, Frederick M Clemmonsjr, Michael Clemmons

Frederick Clemmons from Saint Joseph, MO

Age 47 b. May 1979 Buchanan Co.
๐Ÿ“ 118 S 19th St
๐Ÿ“ž (816) 279-4354

Frederick Clemmons from Cleveland, OH

Age 64 b. Jun 1962 Cuyahoga Co.
๐Ÿ“ 1105 E 167th St
๐Ÿ“ž (216) 738-0869

Frederick Clemmons from Omaha, NE

Male
๐Ÿ“ 2230 Grand Ave
๐Ÿ“ž (402) 689-2595 (VERIZON WIRELESS)

Frederick Clemmons from Colorado Springs, CO

Age 60 b. Sep 1965 El Paso Co.
๐Ÿ“ 1332 Firefly Ci

Frederick Clemmons from Tallahassee, FL

Age 72 b. Apr 1954 Leon Co.
๐Ÿ“ 2805 Glennis Ct

Frederick Clemmons from Wilmington, NC

Age 69 b. Feb 1957 New Hanover Co.
๐Ÿ“ 1616 Shipyard Blvd

Frederick Clemmons from Apo New York, NY

Age 60 b. Sep 1965
๐Ÿ“ 327 Sc Co Wdweaa

Frederick Clemmons from Cleveland, OH

Age 69 b. Sep 1956 Cuyahoga Co.
๐Ÿ“ Po Box 43553

Frederick Clemmons from Castle Hayne, NC

Age 87 b. Jul 1938 New Hanover Co.
๐Ÿ“ 512 Mcclure Cir

Frederick Clemmons from Cleveland, OH

Age 92 b. Aug 1933 Cuyahoga Co.
๐Ÿ“ 2796 E 73 Rd St
๐Ÿ‘ค aka Clemmons F

Frederick Clemmons from Omaha, NE

Douglas Co.
๐Ÿ“ 3927 N 40 Th St
๐Ÿ“ž (402) 451-3854

Frederick Clemmons from Elko, NV

Elko Co.
๐Ÿ“ 217 Douglas St
๐Ÿ“ž (803) 669-6290

Frederick Clemmons from Boynton Beach, FL

Palm Beach Co.
๐Ÿ“ 7 Crossing Cir
๐Ÿ“ž (941) 293-3950

Frederick Clemmons from Wilmington, NC

๐Ÿ“ 412 Horn Rd
๐Ÿ“ž (910) 398-8492

Frederick Clemmons from Windermere, FL

Age 38 b. 1988 Male
๐Ÿ“ 8276 Maritime Flag St Unit 1206

Frederick Clemmons from Columbia, MO

Boone Co.
๐Ÿ“ 517 Donnelly Ave

Frederick Clemmons from East Saint Louis, IL

Saint Clair Co.
๐Ÿ“ 2440 Missouri Ave

Frederick Clemmons from Cleveland, OH

Cuyahoga Co.
๐Ÿ“ 13421 Casper Rd

Frederick Clemmons from Indianapolis, IN

Marion Co.
๐Ÿ“ 4547 Eagle Creek Pkwy

Frederick Clemmons from Columbia, SC

Richland Co.
๐Ÿ“ 7502 Hunt Club Rd 25 G

Frederick Clemmons from Madison, TN

Davidson Co.
๐Ÿ“ 721 New Due West Ave J 304

Frederick Clemmons from Omaha, NE

Douglas Co.
๐Ÿ“ 5418 N 42 Nd St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 34 contact records for Frederick Clemmons across 14 states. The most recent address on file is in Little Elm, Texas. Of these records, 18 include phone numbers and 5 include email addresses. Ages range from 48 to 75, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Clemmons Frederick M

Leon County
PIN: 211540 C0110
· 2805 Glennis Ct, Tallahassee 32303
Value: $15,000

Clemmons Frederick L

Liberty County
· 2373 Rowe St, Hinesville

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 2 property records linked to Frederick Clemmons in Hinesville. Values shown are from county assessor records and may differ from current market prices.

Frederick Clemmons

Ellijay, 305404389
DOB: 1/1/1971 Gender: Male
Congress: 009

Frederick James Clemmons

County: Boone

frederick MICHAEL clemmons

Unaffiliated Reg: 03/07/2014
4047 Irvington Dr, Charlotte, NC, 28205
DOB: 1987 Gender: Male
County: Mecklenburg

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 3 voter registration records were found for Frederick Clemmons in North Carolina. Party affiliation is listed as UNA. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2011 Kia Rio
ยท Registered to: Frederick Clemmons
ยท VIN: KNADH4A38B6748454
·
1105 E 167th St, Cleveland, OH, 44110-1524
·
(216) 738-8317
2006 Cadillac Cts
ยท Registered to: Frederick Clemmons
ยท VIN: 1G6DP577160195227
·
8598 Manor Dr, Tallahassee, FL, 32303
2008 MERCEDES-BENZ C-CLASS
ยท Registered to: Frederick Clemmons
ยท VIN: WDDGF54X48F185251
·
9461 Buck Haven Trl, Tallahassee, FL, 32312-4102
2004 Hyundai Santa Fe
ยท Registered to: Frederick Clemmons
ยท VIN: KM8SC73D34U668988
·
412 Horn Rd, Wilmington, NC, 28412-2411
·
(910) 398-8492
2017 CHEVROLET SILVERADO C1500
ยท Registered to: Frederick Clemmons
ยท VIN: 1GCRCPEH8HZ313713
·
6115 Myrtle Grove Rd, Wilmington, NC, 28409
2004 Pontiac Grand Prix
ยท Registered to: Frederick Clemmons
ยท VIN: 2G2WS522641166358
·
8212 Rossi Rd, Brentwood, TN, 37027
1988 FORD THUNDERBIRD 2DR SEDAN
ยท Registered to: Frederick Clemmons
ยท VIN: 1FABP6049JH203598
·
18 Brandywine Sq, Cleveland, OH, 44143
2007 DODGE MAGNUM WAGON
ยท Registered to: Frederick Clemmons
ยท VIN: 2D4FV47T07H701973
·
1920 Grassmere Ln Apt 1916, McKinney, TX, 75071
1995 CHEVROLET BLAZER WAGON
ยท Registered to: Frederick Clemmons
ยท VIN: 1GNCS13W0SK184822
·
8598 Manor Dr, Tallahassee, FL, 32303
·
(850) 562-5875
1997 FORD F150 PICKUP
ยท Registered to: Frederick Clemmons
ยท VIN: 1FTDF07W9VKC57874
·
8598 Manor Dr, Tallahassee, FL, 32303
·
(850) 562-5875
2002 PORSCHE BOXSTER CONV
ยท Registered to: Frederick Clemmons
ยท VIN: WP0CA29822U621170
·
8598 Manor Dr, Tallahassee, FL, 32303
·
(850) 562-5875
2001 DODGE RAM 1500 PICKUP
ยท Registered to: Frederick Clemmons
ยท VIN: 1B7HC16YX1S227327
·
550 Beissinger Rd, Hamilton, OH, 45013
·
(513) 737-1116

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 12 vehicle registration records are associated with Frederick Clemmons. Registered makes include Kia, Cadillac, Mercedes-Benz, Hyundai and others. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Fd Clemmons Trucking Co Inc

(216) 214-5130
Euclid, OH
Motor Freight Transportation (Transportation)

Frederick Clemmons

Nebraska

Leani's Polynesian Shop Inc

Frederick ClemmonsOwner
(469) 362-9526eccl94@sbcglobal.net
2468 Morning Dew Drive, Little Elm, TX75068
leanis.com

Leani's Polynesian Shop Inc

Frederick ClemmonsOwner
(469) 362-9526eccl94@sbcglobal.net
2468 Morning Dew Drive, Little Elm, TX75068

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 7 business affiliations were found for Frederick Clemmons. Companies include Fd Clemmons Trucking Co Inc, Leani's Polynesian Shop Inc. Roles listed include Owner. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: 2468 Morning Dew Dr., Little Elm, TX, 75068
TX
Director: Frederick Clemmons

F.D. Clemmons Trucking Co., Inc

Addr: 2468 Morning Dew Dr., Little Elm, TX, 75068
TX
Director: Frederick Clemmons

F.D. Clemmons Trucking Co., Inc

ID: 0800698157
Addr: 2468 Morning Dew Dr., Little Elm, TX, 75068
TX
Director: Frederick Clemmons

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

Frederick Clemmons

Bethel High School - Bethel, CT, CT
1983

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Frederick Clemmons 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.

$50 Sep 2, 2016
2016
Hillary Victory Fund
Clemmons, Frederick Old Hickory, TN
$100 Aug 5, 2016
2016
Hillary Victory Fund
Clemmons, Frederick Old Hickory, TN
$100 Aug 5, 2016
Hillary Victory Fund
Contributor Old Hickory, TN
$100 Aug 5, 2016
Unknown Committee
Clemmons, Frederick Retired Old Hickory, TN

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 4 political contribution records found for Frederick Clemmons. Total disclosed contributions amount to $350. Recipients include Hillary Victory Fund. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Frederick Clemmons

Male
·
726 Beckham Ln, Rock Hill, SC 29732 (York County)
34.9577, -81.0547
TZ: Eastern
Multi-Family
MP

Frederick Clemmons

Male
·
646 S 5th St, Nashville, TN 37206 (Davidson County)
36.1661, -86.7615
TZ: Central
Single Family
MP

Frederick Clemmons

Male
·
9086 Black Chestnut Dr, Leland, NC 28451 (Brunswick County)
34.3218, -78.0967
TZ: Eastern
Homeowner Single Family Built 2002 Purchased 2012
MP

Frederick J Clemmons

Age 38 Male
·
517 Donnelly Ave, Columbia, MO 65203 (Boone County)
38.9605, -92.3459
· (573) 823-2764
Marital: Single TZ: Central
Occ: White Collar Edu: High School
Homeowner Single Family Built 1945
MP

Frederick B Clemmons

Age 79 Male
·
6115 Myrtle Grove Rd, Wilmington, NC 28409 (New Hanover County)
34.0998, -77.8873
· (910) 799-4680
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1970 Purchased 1971
MP

Frederick M Clemmons

Age 63 Male
·
8598 Manor Dr, Tallahassee, FL 32303 (Leon County)
30.5749, -84.3602
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1992 Purchased 2002
MP

Frederick Clemmons

Age 54 Male
·
560 Needmore Rd, Old Hickory, TN 37138 (Davidson County)
36.2305, -86.5487
Marital: Married TZ: Central
Homeowner Single Family
MP

Frederick Clemmons

Age 57 Male
·
3036 Fowler Ave, Omaha, NE 68111 (Douglas County)
41.3014, -95.9577
· (913) 578-5794
TZ: Central
Homeowner Single Family Built 1962 Purchased 1996
MP

Frederick D Clemmons

Age 84 Male
·
2796 E 73rd St, Cleveland, OH 44104 (Cuyahoga County)
41.4835, -81.6378
· (216) 881-2262
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1900 Purchased 1996

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 9 demographic profiles associated with Frederick Clemmons. 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 Frederick Clemmons. These loans were issued to businesses, not individuals.

Michael Rabius

Self-Employed Individuals

$5,704 Paid in Full
Address:
800 E Spring St Apt C16
Cookeville, TN38501-3682
Approved

Apr 7, 2021

Forgiven

$5,717

Jobs Reported

1

Loan #

8420798704

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 1 PPP loan record is linked to businesses associated with Frederick Clemmons. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Frederick Clemmons on the map

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Frederick Clemmons in Atlanta, GA: Background Summary

Location
967 E Rock Springs Rd NE, Atlanta Ga, Atlanta, GA
Other Locations
Little Elm, TX ยท Tallahassee, FL ยท Old Hickory, TN and 15 more
Profiles Found
34 people with this name
Phone Numbers
(706) 887-2009 and 17 others on file
Email
clemmons8505@gmail.com and 4 others on file
Possible Relatives
Dwayne Clemmons, Jared Elvin Clemmons, Ferrante S Clemmons, Eunesd N Clemmons, William K Clemmons and 10 more
Career
Owner at Fd Clemmons Trucking Co Inc, Leani's Polynesian Shop Inc
Voter Registration
Registered No Party Preference
Properties
1property owned
Vehicles
12 linked โ€” 2011 Kia Rio, 2006 Cadillac Cts and 10 more
Contributions
$350 total โ€” Hillary Victory Fund
PPP Loans
$5,704 for Michael Rabius

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 Frederick Clemmons. 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 Frederick Clemmons

Search Complexity: High

82 public records across 15states, belonging to approximately 34 different individuals. With 34 distinct profiles across 15 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 15 states. Highest concentration: Ohio (12%), followed by Tennessee and Florida. Spans the South and Midwest regions.

OH10recordsTN9recordsFL8recordsTX8recordsNC8recordsNE4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (56%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Vehicle Registration Records (12) and Business & Corporate Filings (7).

40
Contact & Address Records
12
Vehicle Registration Records
7
Business & Corporate Filings
4
Political Contribution Records
3
Voter Registration Records
3
Corporate Records

Age Distribution

Age range: approximately 54 years, suggesting multiple generations. Largest group: Senior (65+) (47%).

Senior (65+)7peopleMiddle-Age (40-64)7peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About Frederick Clemmons

Is Frederick Clemmons a registered voter?
Yes, voter registration records show Frederick Clemmons is registered. We found 3 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Frederick Clemmons own property?
County assessor records show 2 properties associated with Frederick Clemmons . 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 Frederick Clemmons?
Records show 12 vehicle registrations associated with Frederick Clemmons, including a 2011 Kia Rio. Registered makes include Kia, Cadillac, Mercedes-Benz, 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 Frederick Clemmons?
We found 7 business affiliations for Frederick Clemmons, including Fd Clemmons Trucking Co Inc. Other companies include Leani's Polynesian Shop Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Frederick Clemmons made political donations?
FEC disclosure records show 4 reported political contributions from Frederick Clemmons, totaling $350. Recipients include Hillary Victory Fund. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Frederick Clemmons?
Our database contains 82 total records for Frederick Clemmons spanning 15 states. This includes 34 distinct contact records, 18 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 Frederick Clemmons?
The 82 records displayed for Frederick Clemmons 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 Frederick Clemmons 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.