James Kernaghan

Age 50 b. 1976-01-01
๐Ÿ“ 4602 Ethans Glenn Ave, Orlando Fl
๐Ÿ“ž (407) 285-5243, (407) 202-9997
โœ‰๏ธ RUBYKERNAGHAN@YAHOO.COM

James Kernaghan

Age 69 b. 1957-02-19
๐Ÿ“ 7805 Trudy Ln, Garner Nc
๐Ÿ“ž (111) 111-0001
โœ‰๏ธ J.1957.K@GMAIL.COM

James Kernaghan from Fort Collins, CO

Male
๐Ÿ“ 6118 Normandy Ct
๐Ÿ“ž (970) 231-6049 (AT&T MOBILITY), (970) 206-0110

James Kernaghan from Winchester, VA

Age 67 b. Dec 1958 Frederick Co.
๐Ÿ“ 115 Carter Pl
๐Ÿ“ž (919) 771-0635

James Kernaghan from Great Falls, MT

Age 79 b. Nov 1946 Cascade Co.
๐Ÿ“ 616 Linden Dr
๐Ÿ“ž (406) 727-5069

James Kernaghan from Wellington, CO

Age 79 b. Mar 1946 Larimer Co.
๐Ÿ“ 1410 E County Rd 82
๐Ÿ“ž (952) 447-3510

James Kernaghan from Great Falls, MT

Age 79 b. Nov 1946 Cascade Co.
๐Ÿ“ 1204 25th Ave Sw

James Kernaghan from Garner, NC

Age 55 b. 1971 Wake Co.
๐Ÿ“ 7805 Trudy Ln

James Kernaghan from Silver Springs, FL

Age 69 b. Feb 1957 Marion Co.
๐Ÿ“ 590 Ne 134th Te

James Kernaghan from Deltona, FL

Volusia Co.
๐Ÿ“ 1690 Landfair Ave
๐Ÿ“ž (386) 532-1584

James Kernaghan from Baton Rouge, LA

East Baton Rouge Co.
๐Ÿ“ 8001 Jefferson Hw

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 11 contact records for James Kernaghan across 6 states. The most recent address on file is in Fort Collins, Colorado. Of these records, 7 include phone numbers and 2 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Kernaghan James S

Larimer County
· 1712 Azalea Ct Thru, Fort-Collins Co 80526.0

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

James Kernaghan

Republican
6118normandy Ct, Fort Collins, CO, 80525
DOB: 1946 Gender: Male Ph: 970-206-0111
County: Larimer

James Daniel Kernaghan

4602 Ethans Glenn Ave, Orlando, , 32812

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for James Kernaghan in Colorado, . Party affiliation is listed as REP. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2005 CADILLAC ESCALADE
ยท Registered to: James Kernaghan
ยท VIN: 1GYEC63T65R169510
·
7805 Trudy Ln, Garner, NC, 27529
·
(919) 827-8408
1983 PONTIAC FIREBIRD
ยท Registered to: James Kernaghan
ยท VIN: 1G2AS8717DN225833
·
1690 Landfair Ave, Deltona, FL, 32738
·
(386) 532-1584
2004 Cadillac Escalade EXT
ยท Registered to: James Kernaghan
ยท VIN: 3GYEK62N24G159089
·
7805 Trudy Ln, Garner, NC, 27529
·
(919) 278-0880
1997 VOLVO 960 4DR SEDAN
ยท Registered to: James Kernaghan
ยท VIN: YV1KS9609V1103394
·
7805 Trudy Ln, Garner, NC, 27529
·
(919) 827-8408
ยท Registered to: James Kernaghan
ยท VIN: 1MDGCTK156A329246
·
616 Linden Dr, Great Falls, MT, 59404
·
(406) 727-5069

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 5 vehicle registration records are associated with James Kernaghan. Registered makes include Cadillac, Pontiac, Volvo. The most recent model year on record is 2005. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Hickory Lane American Bistro

Managing Member On-target Acquisition Consultant ??? Account Management And Project Implementation
+12677387982w.james.kernaghan@me.com
Philadelphia,

South Taft Liquor Co

Owner
(970) 226-4932
Fort Collins, CO
Miscellaneous Retail (Stores)

GEO Science Industries

Owner
(970) 223-5511
Fort Collins, CO
Wholesale Trade - Non-Durable Goods (Products)

iSignthis

James KernaghanJunior Developer at iSignthis
Melbourne,

James Kernaghan

James Kernaghan
(419) 831-2689jdk007@consultant.com
Homosassa, 34487FL

TGR Global

James Kernaghan
(919) 771-0635tgr_global@consultant.com
Homosassa, 34487FL

James Kernaghan

Analyst Engineer
National Australia Bank
Melbourne, Victoria, Australia

James Kernaghan

Colorado

Vietnamese Youth Development

James KernaghanSoftware Developer
(919) 619-1999doodle_jr@vydc.org
7805 Trudy Ln, Garner, nc27529

Marco Polo Global Restaurant

James KernaghanFounder
doodle_jr@juno.com
7805 Trudy Ln, Garner, nc27529
mpolo.com

James Kernaghan

Production Assistant at n

Marco Polo Global Restaurant

James KernaghanFounder
doodle_jr@juno.com
7805 Trudy Ln, Garner, nc27529

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 17 business affiliations were found for James Kernaghan. Companies include South Taft Liquor Co, GEO Science Industries, Geo Science Industries and 5 more. Roles listed include Managing Member On-target Acquisition Consultant ??? Account Management And Project Implementation and Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

International Ventures, INC.

Addr: Fort Collins, CO
Registered Agent: James Stewart Kernaghan

James Kernaghan

Addr: 1510 Fairfield Ave Ste 206, Fort Wayne, IN, 46802
IN

Canam Wholesale Auto Brokers LLC

Addr: 1510 Fairfield Ave, Fort Wayne, IN, 46802
IN
Agent: James Kernaghan

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

james DAVID kernaghan

Age 68
Resident 65+ Hunt/Fish
Addr: 471 NE 134th Ter, Silver Springs, FL 34488
County: Marion

james DAVID kernaghan

Resident 65+ Hunt/Fish
Addr: Silver Springs, FL 34488
County: Marion

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation James Kernaghan holds 2 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

James Kernaghan

Carlton High School - Prince Albert, SK
1981

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases James Kernaghan 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.

$1,000 Dec 14, 2017
2018 REP
Meuser, Daniel P
Kernaghan, James W Self Employed @ On Target Acquisition Blue Bell, PA
$50 Jan 1, 1
2002 DEM
Callahan, Tim
Kernaghan, James R Business Owner @ Self Great Falls, MT
$50 Jan 1, 2010
2010 REP
Tryon, Richard
Kernaghan, James Self Employed Great Falls, MT
$5 May 18, 2017
2018 DEM
Ossoff, T. Jonathan
Kernaghan, James Not Employed Garner, NC
$37 Oct 29, 2016
2016 DEM
Hillary For America
Kernaghan, James Retired Garner, NC
$5 Oct 4, 2020
2020
National Democratic Training Committee Pac
Kernaghan, James Not Employed Garner, NC
$50 Jun 27, 2016
2016 REP
Sandefur, Dirk M
Kernaghan, James Business Owner Fuel C Store @ Kernaghan Services, INC Great Falls, MT
$3 Sep 19, 2020
2020 DEM
Harrison, Jaime
Kernaghan, James Not Employed Garner, NC
$8 Sep 2, 2016
2016 12
Clinton, Hillary Rodham
Kernaghan, James Retired Garner, NC
$8 Sep 10, 2016
2016 12
Clinton, Hillary Rodham
Kernaghan, James Retired Garner, NC
$100 Feb 2, 2010
2010 REP
Hoven, Brian
Kernaghan, James President @ Kernighan INC Great Falls, MT
$160 Nov 5, 2011
2012 REP
Hoven, Brian E
Kernaghan, James President @ Kernaghan S Great Falls, MT
$50 Jan 1, 1
2004 DEM
McGrath, Mike
Kernaghan, James R Owner @ Kernaghans Service Station Great Falls, MT
$25 Sep 28, 2016
2016 12
Clinton, Hillary Rodham
Kernaghan, James Retired Garner, NC
$5 Sep 4, 2020
2020
Progressive Takeover
Kernaghan, James Not Employed Garner, NC
$50 Jan 1, 1
2002 DEM
Galvin-Halcro, Kathleen
Kernaghan, James R Service @ Self Great Falls, MT
$25 Oct 27, 2020
2020 DEM
Harrison, Jaime
Kernaghan, James Not Employed Garner, NC
$5 May 19, 2017
2018 DEM
Quist, Robert E.
Kernaghan, James Not Employed Garner, NC
$200 Jan 1, 1
2012 REP
Stapleton, Corey
Kernaghan, James Business Owner @ Self Employed Great Falls, MT
$250 Nov 7, 2011
2012 REP
Taylor, John J
Kernaghan, James Philadelphia, PA
$5 Sep 4, 2020
2020
Let America Vote Pac
Kernaghan, James Not Employed Garner, NC
$50 Jun 24, 2010
2010 REP
Kavulla, Travis
Kernaghan, James President @ Kernaghan S Great Falls, MT
$25 Oct 27, 2020
2020 DEM
Biden, Joe
Kernaghan, James Not Employed Garner, NC
$10 Aug 15, 2020
2020
Equality Pac
Kernaghan, James Not Employed Silver Springs, FL
$8 Sep 18, 2016
2016 12
Clinton, Hillary Rodham
Kernaghan, James Retired Garner, NC
$8 Sep 19, 2016
2016 12
Clinton, Hillary Rodham
Kernaghan, James Retired Garner, NC
$50 Jan 1, 1
2002 DEM
Franklin, Eve
Kernaghan, James F Gas Stations Casino @ Self Great Falls, MT
$100 Jan 1, 1
1998 REP
Witt, John E
Kernaghan, James R VP @ Kernaghans INC Great Falls, MT
$13 Jul 30, 2020
2020 DEM
Harrison, Jaime
Kernaghan, James Not Employed Garner, NC
$15 May 10, 2017
2018 DEM
Ossoff, T. Jonathan
Kernaghan, James Not Employed Garner, NC
$8 Sep 12, 2016
2016 12
Clinton, Hillary Rodham
Kernaghan, James Retired Garner, NC
$8 Sep 21, 2016
2016 12
Clinton, Hillary Rodham
Kernaghan, James Retired Garner, NC
$8 Sep 24, 2016
2016 12
Clinton, Hillary Rodham
Kernaghan, James Retired Garner, NC
$25 Sep 8, 2016
2016 12
Clinton, Hillary Rodham
Kernaghan, James Retired Garner, NC
$10 Oct 4, 2020
2020 DEM
Harrison, Jaime
Kernaghan, James Not Employed Garner, NC
$250 Apr 30, 2009
2010 REP
Taylor, John J
Kernaghan, James Philadelphia, PA
$50 Jan 1, 1
2002 DEM
Golie, George M
Kernaghan, James R Owner @ Kernaghans Service INC Great Falls, MT
$250 May 20, 2010
2010 REP
Taylor, John J
Kernaghan, James Philadelphia, PA
$15 Sep 23, 2020
2020 DEM
Campa Najjar, Ammar
Kernaghan, James Not Employed Garner, NC
$100 Oct 31, 2008
2008 REP
Hoven, Brian E
Kernaghan, James President @ Kernaghan INC Great Falls, MT
$5 May 13, 2017
2018 DEM
Quist, Robert E.
Kernaghan, James Not Employed Garner, NC
$100 Dec 4, 2015
2016 REP
Kantorowicz, Jon C
Kernaghan, James Owner @ Kernaghans Service INC Great Falls, MT
$100 Jan 1, 1
2004 REP
Brown, Bob & Lewis, Dave
Kernaghan, James R Fertilizer Dealer @ Kernaghan Co Great Falls, MT
$8 Sep 23, 2016
2016 12
Clinton, Hillary Rodham
Kernaghan, James Retired Garner, NC
$5 Sep 22, 2016
2016 12
Clinton, Hillary Rodham
Kernaghan, James Retired Garner, NC
$5 May 12, 2017
2018 DEM
Quist, Robert E.
Kernaghan, James Not Employed Garner, NC
$10 May 18, 2021
2022 DEM
Kelly, Mark
Kernaghan, James Not Employed Garner, NC
$13 Jul 30, 2020
2020 DEM
Harrison, Jaime
Kernaghan, James Not Employed Garner, NC
$250 Oct 3, 2009
2010 REP
Taylor, John J
Kernaghan, James Philadelphia, PA
$10 Jul 31, 2020
2020
Congressional Black Caucus Pac
Kernaghan, James Not Employed Garner, NC
$10 Aug 15, 2020
Equality Pac
Contributor Not Employed Silver Springs, FL
$5 Oct 17, 2016
Unknown Committee
Kernaghan, James Retired Garner, NC
$100
2010 R
Hoven, Brian
Contributor President @ Kernaghans Great Falls, MT
$5 20201011
End Citizens United Non-Federal Texas
Contributor Garner, NC

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 54 political contribution records found for James Kernaghan. Total disclosed contributions amount to $3,719. Recipients include Equality Pac, Hoven, Brian, End Citizens United Non-Federal Texas. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

James D Kernaghan

Age 41 Male
·
4602 Ethans Glenn Ave, Orlando, FL 32812 (Orange County)
28.4868, -81.3261
· (407) 914-9193
Marital: Married TZ: Eastern
Edu: High School
Single Family
MP

James S Kernaghan

Age 71 Male
·
6118 Normandy Ct, Fort Collins, CO 80525 (Larimer County)
40.5017, -105.0630
· (970) 631-4341
Marital: Married TZ: Mountain
Occ: Technical Edu: High School
Homeowner Single Family Built 1996 Purchased 2002
MP

James Kernaghan

Male
·
225 Smokey St, Fort Collins, CO 80525 (Larimer County)
40.5065, -105.0750
TZ: Mountain
Homeowner Single Family Built 1978 Purchased 1986
MP

James R Kernaghan

Age 70 Male
·
616 Linden Dr, Great Falls, MT 59404 (Cascade County)
47.4803, -111.3250
· (406) 727-5069
Marital: Married TZ: Mountain
Occ: Management Edu: Graduate School
Homeowner Single Family
MP

James D Kernaghan

Age 60 Male
·
7805 Trudy Ln, Garner, NC 27529 (Wake County)
35.6659, -78.5560
· (919) 606-3537
Marital: Married TZ: Eastern
Occ: White Collar Edu: Graduate School
Homeowner Single Family Built 1998 Purchased 2000

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 5 demographic profiles associated with James Kernaghan. 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 James Kernaghan. These loans were issued to businesses, not individuals.

Kernaghans Service INC

$190,912 Paid in Full
Address:
1504 9th Ave N
Approved

Feb 3, 2021

Forgiven

$192,267

Loan #

2067528400

Loan Size

Medium

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

Find James Kernaghan on the map

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James Kernaghan in Orlando, FL: Background Summary

Location
4602 Ethans Glenn Ave, Orlando Fl, Orlando, FL
Other Locations
Fort Collins, CO ยท Winchester, VA ยท Great Falls, MT and 5 more
Profiles Found
11 people with this name
Phone Numbers
(407) 285-5243 and 7 others on file
Email
rubykernaghan@yahoo.com and 1 other on file
Career
Managing Member On-target Acquisition Consultant ??? Account Management And Project Implementation, Junior Developer at iSignthis at South Taft Liquor Co, GEO Science Industries
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
5 linked โ€” 2005 Cadillac Escalade, 1983 Pontiac Firebird and 3 more
Contributions
$3,718.5 total โ€” Hoven, Brian, Equality Pac
Licenses
2 professional licenses (Resident 65+ Hunt/Fish)
PPP Loans
$191K for Kernaghans Service INC

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 James Kernaghan. Because public records are indexed by name rather than by a unique identifier, the 104 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 James Kernaghan

Search Complexity: High

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

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

Geographic Distribution

Records are widely distributed across 7 states. Highest concentration: Colorado (10%), followed by North Carolina and Florida. Spans the South and West regions.

CO10recordsNC9recordsFL8recordsMT5recordsIN2recordsLA1record

Record Type Breakdown

Data spans 9 record categories. Largest: Political Contribution Records (55%), which include employer and occupation, which are strong distinguishing fields. Also includes Business & Corporate Filings (17) and Contact & Address Records (13).

54
Political Contribution Records
17
Business & Corporate Filings
13
Contact & Address Records
5
Vehicle Registration Records
3
Corporate Records
2
Voter Registration Records

Age Distribution

Age range: approximately 30 years, suggesting multiple generations. Largest group: Senior (65+) (60%).

Senior (65+)3peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About James Kernaghan

Is James Kernaghan a registered voter?
Yes, voter registration records show James Kernaghan is registered in Colorado with REP affiliation. We found 2 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does James Kernaghan own property?
County assessor records show 1 property associated with James Kernaghan . 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 James Kernaghan?
Records show 5 vehicle registrations associated with James Kernaghan, including a 2005 CADILLAC ESCALADE. Registered makes include Cadillac, Pontiac, Volvo. 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 James Kernaghan?
We found 17 business affiliations for James Kernaghan (Managing Member On-target Acquisition Consultant ??? Account Management And Project Implementation). Other companies include GEO Science Industries, Geo Science Industries. Business records are compiled from state registries, SEC filings, and professional databases.
Has James Kernaghan made political donations?
FEC disclosure records show 54 reported political contributions from James Kernaghan, totaling $3,719. Recipients include Equality Pac and Hoven, Brian and 1 others. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for James Kernaghan?
Our database contains 104 total records for James Kernaghan spanning 7 states. This includes 11 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 James Kernaghan?
The 104 records displayed for James Kernaghan 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 James Kernaghan 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.