Gary Heminger from Blanchester, OH

Age 60
๐Ÿ“ 800 Center St #55, Blanchester, OH 45107
๐Ÿ“ž (513) 934-0900, (513) 494-2807, (513) 899-2807
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Cynthia Anne Heminger,Harry Wayne Heminger,Tammy L Heminger,Georgia S Heminger,Tammy Heminger

Gary Heminger from South Bend, IN

Age 67 b. 1959 Male
๐Ÿ“ 733 S Meade St
๐Ÿ’ผ 1702
๐Ÿ“ž (574) 299-3712 (Cell)
โœ‰๏ธ garryheminger@yahoo.com

Gary Heminger from Valparaiso, IN

Age 74 b. 1952 Porter Co.
๐Ÿ“ 1206 Bartlett Dr
๐Ÿ“ž (219) 465-1122

Gary Heminger from South Bend, IN

Age 63
๐Ÿ“ 733 S Meade St, South Bend, IN 46619
๐Ÿ“ž (574) 472-0382, (574) 299-3712

Gary Heminger from South Lebanon, OH

Age 72 b. Jan 1954 Warren Co.
๐Ÿ“ 454 Valley View Dr
๐Ÿ“ž (513) 494-2807

Gary Heminger from Findlay, OH

Age 72 b. Sep 1953 Hancock Co.
๐Ÿ“ 312 Pheasant Run Pl
๐Ÿ“ž (419) 420-0555

Gary Heminger

๐Ÿ“ 1206 Bartlett Dr, Valparaiso In
๐Ÿ“ž (219) 508-1103, (219) 508-1103
โœ‰๏ธ TJHEMINGER19@YAHOO.COM

Gary Heminger from Las Vegas, NV

Age 79 b. Jul 1946 Clark Co.
๐Ÿ“ 5913 Iris Ave

Gary Heminger from Las Vegas, NV

Clark Co.
๐Ÿ“ 2816 Marlin Ave A

Gary Heminger from Merrillville, IN

Lake Co.
๐Ÿ“ 4206 E 73rd Ave

Gary Heminger from Norfolk, VA

Norfolk City Co.
๐Ÿ“ 905 Little

Gary Heminger from Valparaiso, IN

Porter Co.
๐Ÿ“ 3811 Quail Covey Dr

Gary Heminger from South Bend, IN

๐Ÿ“ 242 N Illinois St

Gary Heminger from Findlay, OH

Hancock Co.
๐Ÿ“ 539 S Main St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 14 contact records for Gary Heminger across 4 states. The most recent address on file is in South Bend, Indiana. Of these records, 7 include phone numbers and 2 include email addresses. Ages range from 60 to 63, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Gary Earl Heminger

1748 N Decatur Blvd Apt 7, Las Vegas, NV, 89108
County: Clark

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

2013 Toyota RAV4
ยท Registered to: Gary Heminger
ยท VIN: 2T3RFREVXDW035743
·
1206 Bartlett Dr, Valparaiso, IN, 46383
·
(219) 465-1122
2003 Toyota Rav4
ยท Registered to: Gary Heminger
ยท VIN: JTEHH20V930260870
·
1206 Bartlett Dr, Valparaiso, IN, 46383-4481
·
(219) 465-1122

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 2 vehicle registration records are associated with Gary Heminger. Registered makes include Toyota. The most recent model year on record is 2013. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Mediaplex

Chairman Of The Boar
+18185754500
Westlake Village,

Marathon Ashland Petroleum LLC

President
(419) 422-2121tdsutherland@marathonoil.com
Findlay, OH
Petroleum Refining and Related Industries (Industries)

Marathon Petroleum

Gary HemingerPresident & CEO at Marathon Petroleum
Findlay,

Marathon Oil Corporation

Gary HemingerExecutive Vice President
+1.713.629.6600gheminger@marathonoil.com
Houston, TX77056-2701

American Petroleum Institute

Gary HemingerBoard Member
Washington, DC

Gary Heminger

United States

Gary Heminger

Cincinnati, OH

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 18 business affiliations were found for Gary Heminger. Companies include Marathon Ashland Petroleum LLC, Marathon Oil Corporation. Roles listed include Chairman Of The Boar and Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: AK
AK
Treasurer: Gary Heminger

Gary Heminger

Addr: 1220 L Street, N.w., Washington, DC, 20005
DC

Gary Heminger

Addr: 1220 L Street, N.w., Washington, DC, 20005
DC

Gary Heminger

Addr: 1220 L Street, N.w., Washington, DC, 20005
DC

Gary Heminger

Addr: 1220 L Street, N.w., Washington, DC, 20005
DC

Gary Heminger

Addr: PO Box 701, Chesterton, IN, 46304
IN

Unknown Corporation

Business Development Corporation/Cooperative Corporation/Federally Chartered Company/Foreign Corporation/Kentucky Corporation/Professional Services Corporation/Foreign Professional Services Corp./Kentucky Professional Services Corp/Kentucky Cooperative Corporation/Foreign Cooperative Corporation/Kentucky Mutual Insurance Co./Foreign Mutual Insurance Co.
Officer: Gary Heminger

Unknown Corporation

TREASURER: Gary Heminger

Unknown Corporation

Addr: 539 So. Main St., Findlay, OH
OH
MANAGER: Gary R. Heminger

Fifth Third Bank

Addr: 38 Fountain Square Plaza, Cincinnati, OH, 45263
OH
Officer: Gary Heminger

Unknown Corporation

Addr: 1220 L Street, N.w., Washington, IA, 20005
IA
DIRECTOR: Gary Heminger

Unknown Corporation

ID: 88393
Principal: Gary Heminger

Unknown Corporation

Officer: Gary Heminger

Source: Public Records Gary Heminger appears in 13 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Gary R Heminger

May 22, 2014, 01:00 PM
ยท Meeting with: White House Staff
ยท OEOB

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA Gary Heminger appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

$1,000 Aug 25, 2010
2010 REP
Portman, Robert Jones
Heminger, Gary R Presiden @ Marathon Petroleum Co Findlay, OH
$167 Jun 29, 2004
2004 UNK
Marathon Oil Company Employees Political Action Committee (mepac)
Heminger, Gary R President @ Marathon Ashland Petroleum LLC Findlay, OH
$10 Jun 25, 2001
2002
Marathon Oil Company Employee Pac Mepac
Heminger, Gary Richard Executive Vice Pres Findlay, OH
$577 Nov 24, 2014
2014
Marathon Petroleum Corporation Employees Political Action Committee (mpac)
Heminger, Gary President And Ceo @ Marathon Petroleum Co LP Findlay, OH
$192 Oct 24, 2008
2008
Marathon Oil Co Employees Pac Mepac
Heminger, Gary President @ Marathon Petroleum Company LLC Findlay, OH
$10 May 9, 2001
2002
Marathon Oil Company Employee Pac Mepac
Heminger, Gary Richard Executive Vice Pres @ Marathon Oil Findlay, OH
$192 Apr 25, 2019
2020
Marathon Petroleum Corporation Employees Political Action Committee (mpac)
Heminger, Gary R Chairman And Ceo @ Marathon Petroleum Co LP Findlay, OH
$192 Apr 28, 2016
2016
Marathon Petroleum Corporation Employees Political Action Committee (mpac)
Heminger, Gary President And Ceo @ Marathon Petroleum Co LP Findlay, OH
$185 Mar 27, 2009
2010
Marathon Oil Co Employees Pac Mepac
Heminger, Gary President @ Marathon Petroleum Company LLC Findlay, OH
$192 May 18, 2012
2012
Marathon Petro CORP Employees Mpac
Heminger, Gary President And Ceo @ Marathon Petroleum Company LP Findlay, OH
$385 Oct 24, 2008
2008
Marathon Oil Co Employees Pac
Heminger, Gary R President @ Marathon Findlay, OH
$192 Jul 9, 2007
2008
Marathon Oil Co Employees Pac Mepac
Heminger, Gary President @ Marathon Petroleum Company LLC Findlay, OH
$384 Jul 8, 2008
2008 UNK
Marathon Oil Company Employees Political Action Committee (mepac)
Heminger, Gary Pres @ Marathon Petroleum Co LLC Findlay, OH
$192 Feb 16, 2017
2018
Marathon Petroleum Corporation Employees Political Action Committee (mpac)
Heminger, Gary Chairman, President And Ceo @ Marathon Petroleum Co LP Findlay, OH
$192 Jan 27, 2012
2012
Marathon Petro CORP Employees Mpac
Heminger, Gary President And Ceo @ Marathon Petroleum Company LP Findlay, OH
$192 Apr 13, 2017
2018
Marathon Petro CORP Employees Mpac
Heminger, Gary Chairman President And Ceo Marathon Petroleum Company LP Findlay, OH
$25,000 May 6, 2014
2014 REP
Boehner, John Andrew
Heminger, Gary R President And Ceo @ Marathon Petroleum Corportation Findlay, OH
$2,308 Jun 25, 2007
2008
Marathon Oil Co Employees Pac
Heminger, Gary R President @ Marathon Findlay, OH
$100 Sep 16, 1996
1996 REP
Brading, Charles
Heminger, Gary Findlay, OH
$192 Jan 17, 2019
2020
Marathon Petroleum Corporation Employees Political Action Committee (mpac)
Heminger, Gary R Chairman And Ceo @ Marathon Petroleum Co LP Findlay, OH
$192 May 6, 2011
2012
Marathon Oil Co Employees Pac Mepac
Heminger, Gary President @ Marathon Petroleum Company LP Findlay, OH
$192 Sep 28, 2017
2018
Marathon Petroleum Corporation Employees Political Action Committee (mpac)
Heminger, Gary R Chairman And Ceo @ Marathon Petroleum Co LP Findlay, OH
$96 Dec 31, 2003
2004
Marathon Oil Company Employee Pac Mepac
Heminger, Gary Richard President @ Marathon Oil Company Findlay, OH
$185 Oct 9, 2009
2010
Marathon Oil Co Employees Pac Mepac
Heminger, Gary President @ Marathon Petroleum Company LLC Findlay, OH
$192 Dec 24, 2015
2016
Marathon Petro CORP Employees Mpac
Heminger, Gary President And Ceo @ Marathon Petroleum Company LP Findlay, OH
$185 Dec 18, 2009
2010
Marathon Oil Co Employees Pac Mepac
Heminger, Gary President @ Marathon Petroleum Company LLC Findlay, OH
$192 Jul 10, 2015
2016
Marathon Petroleum Corporation Employees Political Action Committee (mpac)
Heminger, Gary President And Ceo @ Marathon Petroleum Co LP Findlay, OH
$250 Oct 26, 2012
2012 REP
Hite, Cliff
Heminger, Gary President And Ceo @ Business Executive Marathon Oil Findlay, OH
$385 Jul 31, 2012
2012
Marathon Petroleum Corporation Employees Political Action Committee
Heminger, Gary President And Ceo @ Marathon Petroleum Co LP Findlay, OH
$192 Feb 1, 2018
2018
Marathon Petroleum Corporation Employees Political Action Committee (mpac)
Heminger, Gary R Chairman And Ceo @ Marathon Petroleum Co LP Findlay, OH
$192 Dec 10, 2007
2008
Marathon Oil Co Employees Pac Mepac
Heminger, Gary President @ Marathon Petroleum Company LLC Findlay, OH
$167 May 28, 2004
2004
Marathon Oil Co Employees Pac Mepac
Heminger, Gary Richard President @ Marathon Oil Company Findlay, OH
$192 May 16, 2014
2014
Marathon Petro CORP Employees Mpac
Heminger, Gary President And Ceo @ Marathon Petroleum Company LP Findlay, OH
$192 Apr 8, 2011
2012
Marathon Oil Co Employees Pac Mepac
Heminger, Gary President @ Marathon Petroleum Company LP Findlay, OH
$2,500 Mar 30, 2012
2012 REP
Latta, Robert Edward
Heminger, Gary President & Ceo @ Marathon Petroleum Findlay, OH
$100 Nov 5, 2001
2002 REP
Wachtmann, Lynn
Heminger, Gary Bus Owner Findlay, OH
$192 May 12, 2008
2008
Marathon Oil Co Employees Pac Mepac
Heminger, Gary President @ Marathon Petroleum Company LLC Findlay, OH
$1,154 Jun 21, 2010
2010
Marathon Oil Co Employees Pac
Heminger, Gary R President @ Marathon Findlay, OH
$385 Jan 7, 2008
2008 UNK
Marathon Oil Company Employees Political Action Committee (mepac)
Heminger, Gary President @ Marathon Petroleum Co LLC Findlay, OH
$192 Jan 11, 2013
2014
Marathon Petro CORP Employees Mpac
Heminger, Gary President And Ceo @ Marathon Petroleum Company LP Findlay, OH
$167 Aug 9, 2004
2004
Marathon Oil Co Employees Pac Mepac
Heminger, Gary Richard President @ Marathon Oil Company Findlay, OH
$192 Aug 23, 2013
2014
Marathon Petro CORP Employees Mpac
Heminger, Gary President And Ceo @ Marathon Petroleum Company LP Findlay, OH
$192 Jun 7, 2010
2010
Marathon Oil Co Employees Pac Mepac
Heminger, Gary President @ Marathon Petroleum Company LLC Findlay, OH
$192 Oct 4, 2013
2014
Marathon Petro CORP Employees Mpac
Heminger, Gary President And Ceo @ Marathon Petroleum Company LP Findlay, OH
$167 Mar 22, 2004
2004
Marathon Oil Co Employees Pac Mepac
Heminger, Gary Richard President @ Marathon Oil Company Findlay, OH
$15 Jul 29, 2002
2002 UNK
Marathon Oil Company Employees Political Action Committee (mepac)
Heminger, Gary Richard President @ Marathon Ashland Petroleum LLC Findlay, OH
$192 Jun 22, 2017
2018
Marathon Petroleum Corporation Employees Political Action Committee (mpac)
Heminger, Gary R Chairman, President And Ceo @ Marathon Petroleum Co LP Findlay, OH
$10 May 8, 2000
2000
Marathon Oil Company Employee Pac Mepac
Heminger, Gary Richard Senior Vice Presiden Findlay, OH
$96 Jul 15, 2003
2004
Marathon Oil Company Employee Pac Mepac
Heminger, Gary Richard President @ Marathon Ashland Petroleum LLC Findlay, OH
$192 Feb 14, 2019
2020
Marathon Petroleum Corporation Employees Political Action Committee (mpac)
Heminger, Gary R Chairman And Ceo @ Marathon Petroleum Co LP Findlay, OH
$385 Jan 31, 2013
Marathon Petroleum Corporation Employees Political Action Committee (mpac)
Contributor President And Ceo @ Marathon Petroleum Co LP Findlay, OH
$1,000 Oct 20, 2020
Unknown Committee
Heminger, Gary Findlay, OH
$250
2004 N
Odonnell, Terrence
Contributor Marathon Ashland Petroleum Findlay, OH

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 53 political contribution records found for Gary Heminger. Total disclosed contributions amount to $42,236. Recipients include Marathon Petroleum Corporation Employees Political Action Committee (mpac), Odonnell, Terrence. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Gary E Heminger

Age 71 Male
·
1748 N Decatur Blvd, Las Vegas, NV 89108 (Clark County)
36.1911, -115.2060
· (702) 646-7969
TZ: Pacific
Occ: White Collar Edu: High School
Multi-Family
MP

Gary R Heminger

Age 63 Male
·
312 Pheasant Run Pl, Findlay, OH 45840 (Hancock County)
41.0413, -83.6124
· (419) 420-0555
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 2003 Purchased 2000
MP

Gary Heminger

Age 65 Male
·
1206 Bartlett Dr, Valparaiso, IN 46383 (Porter County)
41.4794, -87.0302
· (219) 465-1122
Marital: Married TZ: Central
Occ: White Collar Edu: High School
Homeowner Single Family Built 1991

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 3 demographic profiles associated with Gary Heminger. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find Gary Heminger on the map

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Gary Heminger in Valparaiso, IN: Background Summary

Location
1206 Bartlett Dr, Valparaiso, IN 46383
Other Locations
South Bend, IN ยท South Lebanon, OH ยท Findlay, OH and 3 more
Profiles Found
14 people with this name
Phone Numbers
(513) 934-0900 and 7 others on file
Email
garryheminger@yahoo.com and 1 other on file
Possible Relatives
Cynthia Anne Heminger, Harry Wayne Heminger, Tammy L Heminger, Georgia S Heminger, Tammy Heminger
Career
Chairman Of The Boar, President And CEO at Marathon Ashland Petroleum LLC, Marathon Oil Corporation
Vehicles
2 linked โ€” 2013 Toyota Rav4, 2003 Toyota Rav4
Contributions
$42.2K total โ€” Marathon Petroleum Corporation Employees Political Action Committee (mpac), Odonnell, Terrence
White House
1 recorded visit

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 Gary Heminger. Because public records are indexed by name rather than by a unique identifier, the 106 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

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 Gary Heminger

Search Complexity: High

106 public records across 8states, belonging to approximately 14 different individuals. With 14 distinct profiles across 8 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 8 states. Highest concentration: Ohio (11%), followed by Indiana and District of Columbia. Spans the Midwest and South regions.

OH12recordsIN11recordsDC5recordsNV4recordsTX2recordsAK1record

Record Type Breakdown

Data spans 6 record categories. Largest: Political Contribution Records (52%), which include employer and occupation, which are strong distinguishing fields. Also includes Business & Corporate Filings (18) and Contact & Address Records (15).

53
Political Contribution Records
18
Business & Corporate Filings
15
Contact & Address Records
13
Corporate Records
2
Vehicle Registration Records
1
Voter Registration Records

Age Distribution

Age range: approximately 20 years. Largest group: Senior (65+) (67%).

Senior (65+)4peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Gary Heminger

Is Gary Heminger a registered voter?
Yes, voter registration records show Gary Heminger is registered in Nevada. 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.
What vehicles are registered to Gary Heminger?
Records show 2 vehicle registrations associated with Gary Heminger, including a 2013 Toyota RAV4. 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 Gary Heminger?
We found 18 business affiliations for Gary Heminger (Chairman Of The Boar). Other companies include Marathon Oil Corporation. Business records are compiled from state registries, SEC filings, and professional databases.
Has Gary Heminger made political donations?
FEC disclosure records show 53 reported political contributions from Gary Heminger, totaling $42,236. Recipients include Marathon Petroleum Corporation Employees Political Action Committee (mpac) and Odonnell, Terrence. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Gary Heminger?
Our database contains 106 total records for Gary Heminger spanning 8 states. This includes 14 distinct contact records, 7 with phone numbers, 2 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 Gary Heminger?
The 106 records displayed for Gary Heminger 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 Gary Heminger 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.