J Geib from Kenwood, CA

0000 U
๐Ÿ“ 650 Kenilworth Ave
๐Ÿ“ž (707) 833-5251

J Geib from St Augustine, FL

๐Ÿ“ 16 Bluefish Ln
๐Ÿ“ž (904) 525-4438 (T-MOBILE)

J Geib from Manheim, PA

Lancaster Co.
๐Ÿ“ 116 E Gramby St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 3 contact records for J Geib across 3 states. The most recent address on file is in Kenwood, California. Of these records, 2 include phone numbers. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Geib J Kenneth & Mary F

Lee County
· 5108 SW 13th Ave, Cape-Coral 33914.0
Built: 2013.0
Assessed: $247,919 ยท Sale: $309,000 (2018/01/01)

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 1 property record linked to J Geib in Cape-Coral. Values shown are from county assessor records and may differ from current market prices.

J Kenneth Geib

Republican Reg: 02/06/1992
2110 Lancaster Rd, Manheim, PA, 17545
DOB: 04/25/1964 Gender: Male

J Edward Geib

Republican Reg: 04/12/1993
32 Main St, Marietta, PA, 17547
DOB: 09/05/1961 Gender: Unknown

J Kenneth Geib

5124 SW 13Th Ave, Cape Coral, , 33914

J Kenneth Geib

2110 Lancaster Rd
DOB: 04/25/1964 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 4 voter registration records were found for J Geib in Pennsylvania, . Party affiliation is listed as R. 2 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2004 Pontiac Grand Am
ยท Registered to: Geib
·
3254 Bending Oak Dr, Plant City, FL, 33563

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 1 vehicle registration record is associated with J Geib. Registered makes include Pontiac. The most recent model year on record is 2004. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Advanced Systems; Inc

J GeibPresident
daniele.collins@yahoo.com
1903 Hanover St, Pittsburgh, pa15218
fujiiproduce.com

Advanced Systems; Inc

J GeibPresident
daniele.collins@yahoo.com
1903 Hanover St, Pittsburgh, pa15218

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 2 business affiliations were found for J Geib. Companies include Advanced Systems; Inc. Roles listed include President. Records are compiled from state business registries, SEC filings, and professional networking databases.

J Geib

Old Town High School - Old Town, ME, ME
2002

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases J Geib 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.

$100 Jul 16, 2007
2008
Ca Farm Bureau Federation Pac
Geib, J E Rancher @ Geib Ranch Kenwood, CA
$100 Jul 16, 2007
Ca Farm Bureau Federation Pac
Contributor Rancher @ Geib Ranch Kenwood, CA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 2 political contribution records found for J Geib. Total disclosed contributions amount to $200. Recipients include Ca Farm Bureau Federation Pac. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

J Geib

·
12752 Crouse Mill Rd, Ridgely, MD 21660 (Caroline County)
38.9650, -75.9233
TZ: Eastern
Homeowner Single Family Built 2007 Purchased 1995
MP

J K Geib

·
6714 Spring Rose St, San Antonio, TX 78249 (Bexar County)
29.5480, -98.6215
TZ: Central
Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 2 demographic profiles associated with J Geib. 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 J Geib. These loans were issued to businesses, not individuals.

Jakubiec Construction LLC

Limited Liability Company(LLC

$2,100 Paid in Full
Address:
27236 Beaver Dam Dr
Pequot Lakes, MN56472-3257
Approved

May 1, 2020

Forgiven

$2,114

Jobs Reported

1

Loan #

8770977300

Loan Size

Small

Marak'S Collision Center

Partnership

$11,243 Paid in Full
Address:
605 N Main St
Seymour, TX76380-1729
Approved

Feb 18, 2021

Forgiven

$11,278

Jobs Reported

2

Loan #

1308278503

Loan Size

Small

Newbauer INC.

Corporation

$10,895 Paid in Full
Address:
605 N Main St
Charles City, IA50616-2105
Approved

Mar 12, 2021

Forgiven

$10,929

Jobs Reported

2

Loan #

9731658503

Loan Size

Small

Smile N Grow Rehab, LLC

Corporation

$152,000 Paid in Full
Address:
605 N Main St
Donna, TX78537
Approved

Apr 16, 2020

Forgiven

$100,390

Jobs Reported

25

Loan #

2407237201

Loan Size

Medium

Mark Geib

Sole Proprietorship

$19,865 Paid in Full
Address:
20344 SD Highway 25
De Smet, SD57231-5809
Approved

Mar 24, 2021

Forgiven

$19,957

Jobs Reported

1

Loan #

8347988607

Loan Size

Small

Robert Laforge

Sole Proprietorship

$2,300 Paid in Full
Address:
605 N Main St
El Dorado, KS67042-2027
Approved

Feb 9, 2021

Forgiven

$2,313

Jobs Reported

1

Loan #

5990628403

Loan Size

Small

Cameron Williams

Sole Proprietorship

$18,750 Paid in Full
Address:
605 N Main St
Davenport, IA52803-5266
Approved

Mar 18, 2021

Forgiven

$18,982

Jobs Reported

1

Loan #

4745228610

Loan Size

Small

Arrow Grounds Maintenance & Landscaping LLC

Limited Liability Company(LLC

$60,398 Paid in Full
Address:
605 N Main St Ste B
Summerville, SC29483-6626
Approved

Jan 25, 2021

Forgiven

$60,781

Jobs Reported

42

Loan #

5279738301

Loan Size

Small

New Life Community Baptist Church Of Ortonville

Non-Profit Organization

$14,625 Paid in Full
Address:
605 N Main St
Ortonville, MN56278
Approved

Mar 4, 2021

Forgiven

$14,670

Jobs Reported

1

Loan #

6764418504

Loan Size

Small

Kenneth D Hasty Od

Sole Proprietorship

$43,332 Paid in Full
Address:
605 N Main St
Shelbyville, TN37160
Approved

Apr 30, 2020

Forgiven

$43,795

Jobs Reported

6

Loan #

5688127300

Loan Size

Small

Trans Pecos Optical Partners Of Fort Stockton, LLC

Limited Liability Company(LLC

$90,300 Paid in Full
Address:
605 N Main St
Fort Stockton, TX79735-5625
Approved

Apr 3, 2020

Forgiven

$90,962

Jobs Reported

8

Loan #

4572647002

Loan Size

Small

Vanessia Standridge

Self-Employed Individuals

$3,033 Paid in Full
Address:
605 N Main St
Sweetwater, TN37874
Approved

May 1, 2020

Forgiven

$2,046

Jobs Reported

1

Loan #

3410417703

Loan Size

Small

Steve Rogers

Independent Contractors

$19,100 Paid in Full
Address:
605 N Main St
Dodgeville, WI53533-1131
Approved

May 23, 2021

Forgiven

$19,193

Jobs Reported

1

Loan #

6646769009

Loan Size

Small

Valley Auto LLC

Limited Liability Company(LLC

$99,100 Paid in Full
Address:
1312 Valley Rd
Stirling, NJ07980-1325
Approved

Apr 14, 2020

Forgiven

$100,262

Jobs Reported

6

Loan #

5864567107

Loan Size

Small

Cameron Williams

Sole Proprietorship

$20,832 Paid in Full
Address:
605 N Main St
Davenport, IA52803-5266
Approved

May 13, 2021

Forgiven

$21,052

Jobs Reported

1

Loan #

1804419002

Loan Size

Small

Shane Neumann

Self-Employed Individuals

$14,294 Paid in Full
Address:
605 N Main St
Wall Lake, IA51466-7020
Approved

Apr 2, 2021

Forgiven

$14,325

Jobs Reported

1

Loan #

5579688704

Loan Size

Small

Barry L Weeks Dmd PC

Corporation

$54,587 Paid in Full
Address:
605 N Main St
Water Valley, MS38965-2525
Approved

Apr 9, 2021

Forgiven

$54,928

Jobs Reported

5

Loan #

1071408800

Loan Size

Small

Smile N Grow Rehab LLC

Corporation

$88,900 Paid in Full
Address:
605 N Main St Ste Ddonna
Donna, TX78537-2725
Approved

Feb 10, 2021

Forgiven

$89,940

Jobs Reported

18

Loan #

6461628402

Loan Size

Small

Storbeck & Geib Cattle Company

Subchapter S Corporation

$10,313 Paid in Full
Address:
20344 SD Highway 25
De Smet, SD57231-5809
Approved

Mar 25, 2021

Forgiven

$10,360

Jobs Reported

2

Loan #

8831278608

Loan Size

Small

Swirlies Frozen Yogurt

Limited Liability Company(LLC

$11,900 Paid in Full
Address:
605 N Main St
Tompkinsville, KY42167-1127
Approved

Jan 23, 2021

Forgiven

$11,956

Jobs Reported

5

Loan #

4251258303

Loan Size

Small

A & A Service Center,INC.

Corporation

$15,484 Paid in Full
Address:
605 N Main St
Chase City, VA23924
Approved

May 1, 2020

Forgiven

$15,732

Jobs Reported

3

Loan #

9132847710

Loan Size

Small

Gayle Brock

Sole Proprietorship

$28,838 Paid in Full
Address:
605 N Main St
Fowler, KS67844-9185
Approved

Feb 5, 2021

Forgiven

$28,972

Jobs Reported

2

Loan #

3796628400

Loan Size

Small

Andre Jones

Self-Employed Individuals

$20,833 Paid in Full
Address:
605 N Main St
Davenport, IA52803-5266
Approved

Apr 17, 2021

Forgiven

$20,907

Jobs Reported

1

Loan #

5508878803

Loan Size

Small

Chrysalis Counseling Centers INC.

Subchapter S Corporation

$531,639 Paid in Full
Address:
605 N Main St
Culpeper, VA22701-2609
Approved

Feb 20, 2021

Forgiven

$538,565

Jobs Reported

68

Loan #

2308828507

Loan Size

Medium

Tylon Cole

Sole Proprietorship

$20,832 Exemption 4
Address:
5845 Fresno Ct Unit D
Hanover Park, IL60133-5253
Approved

Apr 1, 2021

Jobs Reported

1

Loan #

4957868703

Loan Size

Small

Maraks Collision Center

Partnership

$11,200 Paid in Full
Address:
605 N Main St
Seymour, TX76380-1729
Approved

Apr 30, 2020

Forgiven

$11,249

Jobs Reported

2

Loan #

6381567303

Loan Size

Small

Charlton Faroul

Sole Proprietorship

$20,832 Paid in Full
Address:
5845 Fresno Ct Unit D
Hanover Park, IL60133-5253
Approved

Apr 6, 2021

Forgiven

$21,032

Jobs Reported

1

Loan #

7334458706

Loan Size

Small

Dhanvi CORP

Corporation

$58,240 Paid in Full
Address:
605 N Main St
Rocky Top, TN37769-2823
Approved

Apr 20, 2021

Forgiven

$58,618

Jobs Reported

17

Loan #

6547298803

Loan Size

Small

Margo Rx, LLC

Limited Liability Company(LLC

$53,700 Paid in Full
Address:
605 N Main St Ste E
Donna, TX78537-2725
Approved

Apr 10, 2020

Forgiven

$54,180

Jobs Reported

8

Loan #

1378527102

Loan Size

Small

Half Price Auto LLC

Limited Liability Company(LLC

$42,615 Exemption 4
Address:
605 N Main St
West Bend, WI53090-2551
Approved

Mar 20, 2021

Forgiven

$43,257

Jobs Reported

5

Loan #

5870848601

Loan Size

Small

Angel Purlee

Self-Employed Individuals

$20,833 Paid in Full
Address:
605 N Main St 605 N Main St
Salem, IN47167-1826
Approved

May 1, 2021

Forgiven

$20,926

Jobs Reported

1

Loan #

6196218907

Loan Size

Small

Integrated Supply Company LLC

Limited Liability Company(LLC

$115,700 Paid in Full
Address:
605 N Main St
Cape Girardeau, MO63701-7211
Approved

Apr 3, 2020

Forgiven

$116,359

Jobs Reported

9

Loan #

4370097005

Loan Size

Small

Trans Pecos Eyecare Of Fort Stockton, PLLC

Limited Liability Company(LLC

$119,900 Paid in Full
Address:
605 N Main St
Fort Stockton, TX79735-5625
Approved

Apr 27, 2020

Forgiven

$120,736

Jobs Reported

11

Loan #

5078887210

Loan Size

Small

Bateman Services LLC

Limited Liability Company(LLC

$46,330 Exemption 4
Address:
605 N Main St
Lindale, TX75771-6427
Approved

Feb 4, 2021

Jobs Reported

6

Loan #

2871838400

Loan Size

Small

Andre Jones

Self-Employed Individuals

$20,833 Paid in Full
Address:
605 N Main St
Davenport, IA52803-5266
Approved

May 11, 2021

Forgiven

$20,892

Jobs Reported

1

Loan #

8609418906

Loan Size

Small

New Life Community Baptist Church Of Ortonville

Non-Profit Organization

$14,625 Paid in Full
Address:
605 N Main St
Ortonville, MN56278
Approved

Jul 27, 2020

Forgiven

$14,665

Jobs Reported

1

Loan #

8836338100

Loan Size

Small

Swirlies Frozen Yogurt

Limited Liability Company(LLC

$8,500 Paid in Full
Address:
605 N Main St
Tompkinsville, KY42167-1127
Approved

Apr 6, 2020

Forgiven

$8,555

Jobs Reported

4

Loan #

6165197000

Loan Size

Small

Great Plains Of Ellinwood, INC

Non-Profit Organization

$889,252 Paid in Full
Address:
605 N Main St
Ellinwood, KS67526-1440
Approved

Apr 13, 2020

Forgiven

$778,271

Jobs Reported

52

Loan #

4295577104

Loan Size

Medium

Good Vibes Nutrition LLC

Single Member LLC

$16,036 Paid in Full
Address:
605 N Main St Ste C
Ashland City, TN37015-1320
Approved

May 27, 2021

Forgiven

$16,148

Jobs Reported

1

Loan #

8560969008

Loan Size

Small

Hieu Bui

Sole Proprietorship

$13,330 Paid in Full
Address:
605 N Main St B
Ashland City, TN37015-1363
Approved

Feb 20, 2021

Forgiven

$13,385

Jobs Reported

7

Loan #

2462678508

Loan Size

Small

Valley Auto LLC

Limited Liability Company(LLC

$75,375 Paid in Full
Address:
1312 Valley Rd
Stirling, NJ07980-1325
Approved

Feb 11, 2021

Forgiven

$76,056

Jobs Reported

7

Loan #

6839558408

Loan Size

Small

Hyperion, LLC

Limited Liability Company(LLC

$35,800 Paid in Full
Address:
605 N Main St
Eufaula, OK74432-1634
Approved

Apr 9, 2020

Forgiven

$36,028

Jobs Reported

3

Loan #

9745537006

Loan Size

Small

Antonio Metcalf

Sole Proprietorship

$20,833 Exemption 4
Address:
605 N Main St
Davenport, IA52803-5266
Approved

May 22, 2021

Jobs Reported

1

Loan #

6315529002

Loan Size

Small

Shane Neumann

Self-Employed Individuals

$14,294 Paid in Full
Address:
605 N Main St
Wall Lake, IA51466-7020
Approved

Apr 27, 2021

Forgiven

$14,319

Jobs Reported

1

Loan #

3217238909

Loan Size

Small

R&m Woolfe'S, INC

Subchapter S Corporation

$17,982 Paid in Full
Address:
605 N Main St
New Lexington, OH43764-1208
Approved

Apr 7, 2020

Forgiven

$18,133

Jobs Reported

7

Loan #

6776887005

Loan Size

Small

2 Broke Girls LLC

Partnership

$3,445 Paid in Full
Address:
605 N Main St
Spearfish, SD57783
Approved

Apr 29, 2020

Forgiven

$3,469

Jobs Reported

1

Loan #

3113887305

Loan Size

Small

Healing Hands Pediatrics

Limited Liability Company(LLC

$112,585 Paid in Full
Address:
605 N Main St Ste B
Donna, TX78537-2726
Approved

Feb 20, 2021

Forgiven

$113,279

Jobs Reported

11

Loan #

2423458509

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 47 PPP loan records are linked to businesses associated with J Geib. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find J Geib on the map

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J Geib in Kenwood, CA: Background Summary

Location
650 Kenilworth Ave, Kenwood, CA 95452
Other Locations
St Augustine, FL ยท Manheim, PA
Profiles Found
3 people with this name
Phone Numbers
(707) 833-5251 and 1 other on file
Career
President at Advanced Systems; Inc
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
1 linked โ€” 2004 Pontiac Grand Am
Contributions
$200 total โ€” Ca Farm Bureau Federation Pac
PPP Loans
$3098K for Jakubiec Construction LLC, Marak'S Collision Center

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 J Geib. Because public records are indexed by name rather than by a unique identifier, the 63 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 J Geib

Search Complexity: Moderate

63 public records across 6states, belonging to approximately 3 different individuals. There are 3 distinct profiles in the results. Using the state filter or checking age and address details will help identify the correct individual.

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

Geographic Distribution

Records are widely distributed across 6 states. Highest concentration: Pennsylvania (8%), followed by Florida and California. Spans the Northeast and South regions.

PA5recordsFL2recordsCA2recordsMD1recordTX1recordME1record

Record Type Breakdown

Data spans 7 record categories. Largest: PPP Loan Records (78%), which are tied to specific businesses and addresses. Also includes Voter Registration Records (4) and Contact & Address Records (3).

47
PPP Loan Records
4
Voter Registration Records
3
Contact & Address Records
2
Business & Corporate Filings
2
Political Contribution Records
1
Property Ownership Records

Frequently Asked Questions About J Geib

Is J Geib a registered voter?
Yes, voter registration records show J Geib is registered in Pennsylvania with R affiliation. We found 4 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does J Geib own property?
County assessor records show 1 property associated with J Geib . 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 J Geib?
Records show 1 vehicle registration associated with J Geib, including a 2004 Pontiac Grand Am. 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 J Geib?
We found 2 business affiliations for J Geib (President). Business records are compiled from state registries, SEC filings, and professional databases.
Has J Geib made political donations?
FEC disclosure records show 2 reported political contributions from J Geib, totaling $200. Recipients include Ca Farm Bureau Federation Pac. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for J Geib?
Our database contains 63 total records for J Geib spanning 6 states. This includes 3 distinct contact records, 2 with phone numbers. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for J Geib?
The 63 records displayed for J Geib 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 J Geib 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.