Herbert L Neely

Age 102 b. 1923-12-22
๐Ÿ“ 164 Tally Neely Rd, Mendenhall Ms 39082
๐Ÿ“ž (601) 818-0599, (601) 847-4543
โœ‰๏ธ BARBARABEASLEY@YMAIL.COM, barbarabeasley@ymail.com

Herbert Neely

Age 55 b. 1970-09-03
๐Ÿ“ 2100 Spruce Way, Antioch Ca
๐Ÿ“ž (925) 978-0685, (925) 980-4178
โœ‰๏ธ SALINA31@COMCAST.NET

Herbert Neely

Age 48 b. 1977-05-11
๐Ÿ“ 6249 Lake Arbor Pl Apt 203, Memphis Tn
๐Ÿ“ž (910) 679-9232
โœ‰๏ธ NEELYJ7@GMAIL.COM

Herbert Neely from Fort Worth, TX

Age 77
๐Ÿ“ 4524 Williams Spring Rd, Fort Worth, TX 76135
๐Ÿ“ž (817) 237-3204, (817) 334-0326
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Anna L Neely,Ludean Stump Neely,Douglas Edward Neely,Debra J Neely,Kimberly Ann Neely

Herbert Neely from Roselle, NJ

0
๐Ÿ“ 250 7th Ave, Roselle, NJ 07203
๐Ÿ“ž (908) 241-1841
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Scott A Neely,Bruce C Neely,Joan A Neely,Wf Joan Neely

Herbert Neely from Lady Lake, FL

Age 87
๐Ÿ“ 715 Oak Ln, Lady Lake, FL 32159
๐Ÿ“ž (352) 281-1731, (407) 351-6756, (407) 678-3253, (813) 791-3344
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Karen Lynn Verrechio,Hazel May Neely,Karen L Neely,Madonna M Neely

Herbert Neely from Memphis, TN

Age 64
๐Ÿ“ 1359 Rosecliff Ave, Memphis, TN 38116
๐Ÿ“ž (901) 396-1997, (901) 396-1997, (901) 490-0209
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Wilmetta R Neely,Gloria A Neely,Christopher H Neely

Herbert Neely from Memphis, TN

Age 55
๐Ÿ“ 163 Cypresswood Ave, Memphis, TN 38109
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: James H Neely,Richard L Neely,Andrew Neely,Gregory Neely,Don Neely,Larry Neely

Herbert Neely from Winchester, KY

Age 39
๐Ÿ“ Boonesboro Rd, Winchester, KY 40391
๐Ÿ“ž (859) 744-2167
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Mariana S Neely,Danny S Neely

Herbert Neely from Trenton, NJ

0
๐Ÿ“ 284 Highland Ave, Trenton, NJ 08618
๐Ÿ“ž (216) 228-6671, (609) 871-0012, (216) 221-9329
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Mary Neely,Nicole Neely

Herbert Neely

๐Ÿ“ 12936 Spring Valley Rd, Donnelly Id
๐Ÿ“ž (925) 980-5826, (925) 980-4307
โœ‰๏ธ SALINA2012@ATT.NET

Herbert Neely

๐Ÿ“ 12936 Spring Valley, Donnelly Id 83615
๐Ÿ“ž (925) 980-5826, (925) 980-4307
โœ‰๏ธ SALINA2012@ATT.NET

Herbert Neely from Old Hickory, TN

Age 67
๐Ÿ“ 4876 Whittier Dr #n1, Old Hickory, TN 37138
๐Ÿ“ž (615) 889-0146
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Diana Susan Neely

Herbert Neely from Winchester, KY

Age 96 b. Dec 1929 Clark Co.
๐Ÿ“ 201 W Lexington Ave B
๐Ÿ“ž (859) 744-2167

Herbert Neely from Old Hickory, TN

Age 78 b. Nov 1947 Davidson Co.
๐Ÿ“ 4876 Whittier Dr
๐Ÿ“ž (615) 889-4739

Herbert Neely from Lady Lake, FL

Age 99 b. Sep 1926 Lake Co.
๐Ÿ“ 715 Oak Ln
๐Ÿ“ž (352) 750-9964

Herbert Neely from Harrisville, MS

Age 90
๐Ÿ“ 295 Po Box, Harrisville, MS 39082
๐Ÿ“ž (601) 847-4543, (601) 847-4543

Herbert Neely from Antioch, CA

Male
๐Ÿ“ 415 Brookside Dr
๐Ÿ“ž (925) 786-3374 (VERIZON WIRELESS)

Herbert Neely from Antioch, CA

Age 56 b. 1970 Male
๐Ÿ“ 2100 Spruce Way
๐Ÿ“ž (925) 978-0685

Herbert Neely from Eureka, CA

Age 102 b. Nov 1923 Humboldt Co.
๐Ÿ“ 4597 Campton Rd

Herbert Neely from Bay Point, CA

Age 55 b. Sep 1970 Contra Costa Co.
๐Ÿ“ 2109 Shoreview Ct

Herbert Neely from High Point, NC

Age 50 b. Oct 1975
๐Ÿ“ 920 E Dayton Ave
๐Ÿ‘ค aka Herbert Delray Neely, Herb Neely

Herbert Neely from Pittsburg, CA

Age 55 b. Sep 1970 Contra Costa Co.
๐Ÿ“ 70 South St
๐Ÿ‘ค aka Neely Herbert B

Herbert Neely from Fort Worth, TX

Age 88 b. Jul 1937 Tarrant Co.
๐Ÿ“ 524 Williams Rd

Herbert Neely from Houston, TX

0
๐Ÿ“ 2802 Bagby St, Houston, TX 77006

Herbert Neely from Houston, TX

0
๐Ÿ“ 3333 Unity Dr #91, Houston, TX 77057

Herbert Neely from Memphis, TN

Shelby Co.
๐Ÿ“ 3781 Hillridge St
๐Ÿ“ž (412) 795-6798

Herbert Neely from Lakewood, OH

Cuyahoga Co.
๐Ÿ“ 11849 Clifton Blvd
๐Ÿ“ž (216) 221-9329

Herbert Neely from Memphis, TN

๐Ÿ“ 3781 Hillridge St, #memphis, TN 38109-3907

Herbert Neely from Willingboro, NJ

Burlington Co.
๐Ÿ“ 10 Marblestone Ln

Herbert Neely from Pittsburg, CA

Contra Costa Co.
๐Ÿ“ 315 Franklin Ave

Herbert Neely from Greenville, SC

Greenville Co.
๐Ÿ“ 39 Mount Vista Ave

Herbert Neely from Geneseo, IL

Henry Co.
๐Ÿ“ 21085 E 900th St Unit 169

Herbert Neely from Bethalto, IL

Madison Co.
๐Ÿ“ 401 S Moreland Rd 133

Herbert Neely from Spartanburg, SC

๐Ÿ“ 200 Loring St

Herbert Neely from San Leandro, CA

Alameda Co.
๐Ÿ“ 1814 Sweetwater Dr

Herbert Neely from Gastonia, NC

Gaston Co.
๐Ÿ“ 1661 Buckingham Ave

Herbert Neely from Taylors, SC

Greenville Co.
๐Ÿ“ Po Box 6

Herbert Neely from Memphis, TN

Shelby Co.
๐Ÿ“ 3792 Southland St

Herbert Neely from Harrison, TN

Hamilton Co.
๐Ÿ“ 953 58 Hwy

Unknown Person

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 47 contact records for Herbert Neely across 11 states. The most recent address on file is in Winchester, Kentucky. Of these records, 26 include phone numbers and 10 include email addresses. Ages range from 39 to 90, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Neely, Herbert

Tarrant County
PIN: A 189-45
· 4524 Williams Spring Rd, TX
Built: 1950.0
Assessed: $0

Neely Herbert L

Simpson County

Neely, Herbert & Wf Joan

Residential Union County
· 250 W 7th Ave, 07203

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 3 property records linked to Herbert Neely in 5. Values shown are from county assessor records and may differ from current market prices.

herbert LAWRENCE neely

Unaffiliated Reg: 09/28/1972
1661 Buckingham Ave, Gastonia, NC, 28054
DOB: 1950 Gender: Male
County: Gaston

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 1 voter registration record was found for Herbert Neely 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.

2008 DODGE RAM 1500
ยท Registered to: Herbert Neely
ยท VIN: 1D7HU18278S623835
·
4597 Campton Rd, Eureka, CA, 95503
·
(707) 442-4128
2007 CHRYSLER 300 CAR UPPER MIDSIZE
ยท Registered to: Herbert Neely
ยท VIN: 2C3KA43R37H861237
·
4524 Williams Spring Rd, Fort Worth, TX, 76135
2011 FORD F150 FULL SIZE TRUCK
ยท Registered to: Herbert Neely
ยท VIN: 1FTMF1CM6BFB82890
·
4524 Williams Spring Rd, Fort Worth, TX, 76135
1995 CHEVROLET K1500 FULL SIZE TRUCK
ยท Registered to: Herbert Neely
ยท VIN: 1GCEK14K3SZ102473
·
PO Box 295, Harrisville, MS, 39082
1982 FORD F350 PICKUP
ยท Registered to: Herbert Neely
ยท VIN: 1FDJF37Z7CPA35134
·
4524 Williams Spring Rd, Fort Worth, TX, 76135
2000 BUICK CENTURY 4DR SEDAN
ยท Registered to: Herbert Neely
ยท VIN: 2G4WS52J8Y1177866
·
329 Old Petrie Rd, Spartanburg, SC, 29302
·
(864) 585-8697
2005 DODGE MAGNUM WAGON
ยท Registered to: Herbert Neely
ยท VIN: 2D4FV48V55H129182
·
4524 Williams Spring Rd, Fort Worth, TX, 76135
1995 OLDSMOBILE CUTLASS 4DR SEDAN
ยท Registered to: Herbert Neely
ยท VIN: 1G3WH52M4SD318943
·
2004 Briarcliff Dr, High Point, NC, 27265
ยท Registered to: Herbert Neely
·
4524 Williams Spring Rd, Fort Worth, TX, 76135

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 9 vehicle registration records are associated with Herbert Neely. Registered makes include Dodge, Chrysler, Ford, Chevrolet and others. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Herbert Neely

Bartow, Florida, United States

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 2 business affiliations were found for Herbert Neely. Records are compiled from state business registries, SEC filings, and professional networking databases.

All Clean Rain Gutters

Filed: Dec 21, 2009
CEO: Herbert Barry Neely

Herbert H. Neely

Richards Tobacco & Candy Company

Addr: KY
KY
Incorporator: Herbert H. Neely

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

Herbert Neely

Antioch High School - Antioch, CA, CA
1988

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Herbert Neely 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.

$60 Oct 26, 2012
2012 REP
Republican National Committee
Neely, Herbert E Retired Eureka, CA
-$20 Feb 18, 1994
1994 DEM
Riegle, Donald W. Jr.
Neely, Herbert Flint, MI
$50 Aug 27, 2012
2012 REP
Republican National Committee
Neely, Herbert E Retired Eureka, CA
$50 Aug 27, 2012
REP
Republican National Committee
Contributor Retired Eureka, CA
$20 Feb 18, 1994
Unknown Committee
Neely, Herbert Flint, MI

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 5 political contribution records found for Herbert Neely. Total disclosed contributions amount to $180. Recipients include Republican National Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Herbert B Neely

Age 46 Male
·
12936 Spring Valley Rd, Donnelly, ID 83615 (Valley County)
44.6997, -116.0790
Marital: Inferred Single TZ: Mountain
Single Family
MP

Herbert L Neely

Age 67 Male
·
1661 Buckingham Ave, Gastonia, NC 28054 (Gaston County)
35.2430, -81.1546
· (704) 867-9920
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1972 Purchased 1982
MP

Herbert W Neely

Age 69 Male
·
4876 Whittier Dr, Old Hickory, TN 37138 (Davidson County)
36.2227, -86.5878
· (615) 678-4459
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family
MP

Herbert Neely

Age 67 Male
·
1359 Rosecliff Ave, Memphis, TN 38116 (Shelby County)
35.0033, -90.0191
· (901) 490-0209
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1965 Purchased 1988
MP

Herbert V Neely

Age 80 Male
·
4524 Williams Spring Rd, Fort Worth, TX 76135 (Tarrant County)
32.8221, -97.4401
Marital: Married TZ: Central
Homeowner Single Family Built 1950
MP

Herbert Neely

Male
·
250 W 7th Ave, Roselle, NJ 07203 (Union County)
40.6524, -74.2673
· (908) 407-6814
Marital: Single TZ: Eastern
Homeowner Single Family Built 1940
MP

Herbert Neely

Male
·
102 Lassiter Dr, High Point, NC 27265 (Guilford County)
35.9958, -79.9942
Marital: Single TZ: Eastern
Single Family
MP

Herbert W Neely

Age 89 Male
·
4010 Sweeten Creek Rd, Chapel Hill, NC 27514 (Orange County)
35.9645, -79.0239
Marital: Married TZ: Eastern
Edu: Some College
Single Family
MP

Herbert Neely

Male
·
6032 Heritage Ridge Dr, Hixson, TN 37343 (Hamilton County)
35.1461, -85.2066
TZ: Eastern
Single Family

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

City Auto Parts, INC.

Subchapter S Corporation

$197,002 Paid in Full
Address:
PO Box 187
Batesville, MS38606-0187
Approved

Apr 8, 2020

Forgiven

$199,114

Jobs Reported

31

Loan #

7947347007

Loan Size

Medium

Markel Lewis

Sole Proprietorship

$19,891 Exemption 4
Address:
1056 College St
Memphis, TN38106-2220
Approved

Mar 27, 2021

Jobs Reported

1

Loan #

1468848703

Loan Size

Small

Valley Creek 2019 LLC

Limited Liability Company(LLC

$20,695 Paid in Full
Address:
9085 Fairforest Rd
Spartanburg, SC29301
Approved

May 27, 2020

Forgiven

$20,884

Jobs Reported

3

Loan #

3925277806

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 3 PPP loan records are linked to businesses associated with Herbert Neely. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Herbert Neely on the map

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Herbert Neely in CA: Background Summary

Location
415 Brookside Dr Antioch, CA 94509-6111
Other Locations
Winchester, KY ยท Old Hickory, TN ยท Lady Lake, FL and 17 more
Profiles Found
47 people with this name
Phone Numbers
(925) 754-4447 and 31 others on file
Email
herbertneely@bellatlantic.net and 14 others on file
Possible Relatives
April Dawn Ashbrook, Audrey J Lavigne, Herbert B Neely 4TH, Herbert Neely, Herbert B Neely JR and 231 more
Voter Registration
Registered No Party Preference
Properties
2properties owned
Vehicles
9 linked โ€” 2008 Dodge Ram 1500, 2007 Chrysler 300 and 7 more
Contributions
$180 total โ€” Republican National Committee
PPP Loans
$238K for City Auto Parts, INC., Markel Lewis

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 Herbert Neely. Because public records are indexed by name rather than by a unique identifier, the 86 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 Herbert Neely

Search Complexity: High

86 public records across 13states, belonging to approximately 47 different individuals. With 47 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 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 13 states. Highest concentration: California (16%), followed by Tennessee and Texas. Spans the South and West regions.

CA14recordsTN12recordsTX8recordsNC7recordsSC5recordsNJ4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (66%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Vehicle Registration Records (9) and Political Contribution Records (5).

50
Contact & Address Records
9
Vehicle Registration Records
5
Political Contribution Records
3
Property Ownership Records
3
Corporate Records
3
PPP Loan Records

Age Distribution

Age range: approximately 64 years, suggesting multiple generations. Largest group: Senior (65+) (61%).

Senior (65+)11peopleMiddle-Age (40-64)6peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About Herbert Neely

Is Herbert Neely a registered voter?
Yes, voter registration records show Herbert Neely is registered in North Carolina with UNA affiliation. 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 Herbert Neely own property?
County assessor records show 3 properties associated with Herbert Neely . 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 Herbert Neely?
Records show 9 vehicle registrations associated with Herbert Neely, including a 2008 DODGE RAM 1500. Registered makes include Dodge, Chrysler, Ford, Chevrolet. 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 Herbert Neely?
We found 2 business affiliations for Herbert Neely. Business records are compiled from state registries, SEC filings, and professional databases.
Has Herbert Neely made political donations?
FEC disclosure records show 5 reported political contributions from Herbert Neely, totaling $180. Recipients include Republican National Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Herbert Neely?
Our database contains 86 total records for Herbert Neely spanning 13 states. This includes 47 distinct contact records, 26 with phone numbers, 10 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 Herbert Neely?
The 86 records displayed for Herbert Neely 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 Herbert Neely 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.