James Patrick Larabel from Howard City, MI

Age 72
๐Ÿ“ 20160 Orchard Ln, Howard City, MI 49329
๐Ÿ“ž (616) 975-6143, (231) 648-6251, (231) 652-6712, (231) 578-2968, (989) 652-6712, (231) 652-6732
โœ‰๏ธ jiml2976@hotmail.com, jlarabel@hotmail.com, jlarabel@rochester.rr.com, jlarabel@triton.net

James Larabel

Age 96 b. 1930-02-01
๐Ÿ“ 849 Pasatiempo Dr, Frisco Tx
๐Ÿ“ž (214) 469-1099, (915) 727-1669
โœ‰๏ธ JLLARABEL@ATT.NET

James Larabel from Howard City, MI

Age 77 b. 1949 Male
๐Ÿ“ 20160 Orchard Ln
๐Ÿ“ž (231) 648-6251

James Larabel from El Paso, TX

Age 81 b. Jan 1945 El Paso Co.
๐Ÿ“ 15 Via Placita

James Larabel from Frisco, TX

Denton Co.
๐Ÿ“ 849 Pasatiempo Dr
๐Ÿ“ž (214) 469-1099

James Larabel from Grand Rapids, MI

Kent Co.
๐Ÿ“ 1820 R W Berends Dr Sw
๐Ÿ“ž (616) 534-6916

James Larabel from Grand Rapids, MI

Kent Co.
๐Ÿ“ 1846 Porter St

James Larabel from Grand Rapids, MI

Kent Co.
๐Ÿ“ 5670 Eagle Dr

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 9 contact records for James Larabel across 2 states. The most recent address on file is in Howard City, Michigan. Of these records, 6 include phone numbers and 3 include email addresses. The listed age is 72. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

2009 FORD EXPEDITION
ยท Registered to: James Larabel
ยท VIN: 1FMFU20569LA11646
·
8780 Vanderstel Dr, Newaygo, MI, 49337
·
(231) 652-6712
2005 Chevrolet TrailBlazer
ยท Registered to: James Larabel
ยท VIN: 1GNDT13S752154168
·
20160 Orchard Ln, Howard City, MI, 49329
·
(231) 652-6712
2005 LEXUS ES 330
ยท Registered to: James Larabel
ยท VIN: JTHBA30G255104731
·
849 Pasatiempo Dr, Frisco, TX, 75034
·
(214) 469-1099

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with James Larabel. Registered makes include Ford, Chevrolet, Lexus. The most recent model year on record is 2009. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Bel Plastics, INC.

Addr: 606 Fieldstone Drive, Georgetown, TX, 78628
TX
Agent: James Larabel

Unknown Corporation

Addr: 606 Fieldstone Drive, Georgetown, TX, 78628
TX
Officer: James Larabel

Source: Public Records James Larabel appears in 2 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Inventor Record

James Larabel - MI

Source: USPTO Patent Database ยท U.S. Patent & Trademark Office James Larabel is listed as an inventor or co-inventor on 1 USPTO patent. Patent data is public information published by the United States Patent and Trademark Office upon grant or application publication.

$25 Sep 14, 2012
2012
Realtors Pac Of Mi
Larabel, James P Newaygo, MI
$25 Aug 26, 2011
2012
Realtors Pac Of Mi
Larabel, James P Newaygo, MI
$25 Aug 19, 2011
2012
Realtors Pac Of Mi
Larabel, James P Newaygo, MI
$25 Feb 17, 2012
2012
Realtors Pac Of Mi
Larabel, James P Newaygo, MI
$25 Sep 14, 2012
Realtors Pac Of Mi
Contributor Newaygo, MI

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 5 political contribution records found for James Larabel. Total disclosed contributions amount to $125. Recipients include Realtors Pac Of Mi. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

James P Larabel

Age 68 Male
·
20160 Orchard Ln, Howard City, MI 49329 (Montcalm County)
43.3937, -85.4856
· (231) 648-6251
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Purchased 2015

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 1 demographic profile associated with James Larabel. 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 Larabel. These loans were issued to businesses, not individuals.

Eric Willsky Md Medical CORP

Corporation

$238,400 Paid in Full
Address:
400 E Main St
Aspen, CO81611-2943
Approved

Apr 15, 2020

Forgiven

$242,319

Jobs Reported

8

Loan #

8396907104

Loan Size

Medium

Edgar Sanchez

Self-Employed Individuals

$5,006 Paid in Full
Address:
400 E Main St Ste 130
Visalia, CA93291-6320
Approved

Feb 26, 2021

Forgiven

$5,069

Jobs Reported

1

Loan #

4839868506

Loan Size

Small

Mb Uncle Sams, INC.

Subchapter S Corporation

$74,820 Paid in Full
Address:
400 E Main St
East Brookfield, MA01515-0400
Approved

Apr 14, 2020

Forgiven

$75,450

Jobs Reported

19

Loan #

6372087103

Loan Size

Small

Melrose Minton

Sole Proprietorship

$23,000 Paid in Full
Address:
400 E Main St Ste A
Weatherford, OK73096-5352
Approved

Jan 31, 2021

Forgiven

$23,146

Jobs Reported

2

Loan #

1057738406

Loan Size

Small

Lindstroms

Partnership

$49,825 Paid in Full
Address:
400 E Main St
Galesburg, IL61401-4952
Approved

Apr 10, 2020

Forgiven

$40,631

Jobs Reported

6

Loan #

2088507103

Loan Size

Small

Raylen Tichenor

Sole Proprietorship

$20,833 Exemption 4
Address:
400 E Main St
Frankfort, KY40601-2334
Approved

Mar 31, 2021

Jobs Reported

1

Loan #

3745488700

Loan Size

Small

William Cook Whiteside Dmd Psc

Corporation

$74,800 Paid in Full
Address:
400 E Main St
Glasgow, KY42141-2842
Approved

Apr 6, 2020

Forgiven

$75,253

Jobs Reported

6

Loan #

6074347002

Loan Size

Small

Houses & More INC.

Subchapter S Corporation

$10,618 Paid in Full
Address:
400 E Main St
Kingwood, WV26537-1702
Approved

Feb 10, 2021

Forgiven

$10,686

Jobs Reported

2

Loan #

6475348402

Loan Size

Small

Chattanooga Presents LLC

Limited Liability Company(LLC

$20,833 Paid in Full
Address:
400 E Main St Ste 130
Chattanooga, TN37408-1323
Approved

Mar 16, 2021

Forgiven

$21,044

Jobs Reported

1

Loan #

3325458608

Loan Size

Small

Yong Park

Sole Proprietorship

$732 Paid in Full
Address:
400 E Main St
Collinsville, IL62234-3009
Approved

Mar 26, 2021

Forgiven

$735

Jobs Reported

1

Loan #

1029458702

Loan Size

Small

Hopewell Missionary Baptist Church

Non-Profit Organization

$27,002 Paid in Full
Address:
400 E Main St
Carbondale, IL62901-3011
Approved

May 7, 2020

Forgiven

$27,234

Jobs Reported

8

Loan #

3404307404

Loan Size

Small

Paul Dill Associates

Corporation

$403,380 Paid in Full
Address:
400 E Main St
Smithtown, NY11787-2903
Approved

Jan 28, 2021

Forgiven

$407,347

Jobs Reported

33

Loan #

7836578304

Loan Size

Medium

Lily Bee'S Consignment Shop

Sole Proprietorship

$4,021 Paid in Full
Address:
400 E Main St
Pullman, WA99163-2623
Approved

Feb 10, 2021

Forgiven

$4,035

Jobs Reported

2

Loan #

6288888405

Loan Size

Small

Brandy E Hicks Od PA

Subchapter S Corporation

$32,400 Paid in Full
Address:
400 E Main St
Sylva, NC28779-3216
Approved

Feb 3, 2021

Forgiven

$32,515

Jobs Reported

6

Loan #

2058078405

Loan Size

Small

Mary Tillman

Sole Proprietorship

$20,750 Exemption 4
Address:
400 E Main St
Frankfort, KY40601-2334
Approved

Feb 26, 2021

Jobs Reported

1

Loan #

4974568502

Loan Size

Small

McFee & Co LLC

Limited Liability Company(LLC

$4,270 Paid in Full
Address:
400 E Main St
Mount Horeb, WI53572-2035
Approved

Feb 4, 2021

Forgiven

$4,291

Jobs Reported

5

Loan #

2747708410

Loan Size

Small

Rino'S Restaurant LLC

Limited Liability Company(LLC

$46,966 Paid in Full
Address:
400 E Main St
Trinidad, CO81082-2715
Approved

Feb 18, 2021

Forgiven

$47,215

Jobs Reported

7

Loan #

1430578503

Loan Size

Small

Brother'S Liquor

Sole Proprietorship

$12,847 Paid in Full
Address:
400 E Main St
Cushing, OK74023-2659
Approved

Apr 28, 2020

Forgiven

$12,937

Jobs Reported

9

Loan #

9506367202

Loan Size

Small

Dave'S Floor Covering

Sole Proprietorship

$6,224 Paid in Full
Address:
400 e MAIN ST PO Box 135
Washington, IN47501-2916
Approved

Jun 16, 2020

Forgiven

$4,243

Jobs Reported

1

Loan #

6580527904

Loan Size

Small

500 Century INC

Corporation

$3,900 Exemption 4
Address:
400 E Main St
Chicopee, MA01020-3648
Approved

Mar 13, 2021

Forgiven

$3,958

Jobs Reported

1

Loan #

1480598605

Loan Size

Small

Mary Tillman

Sole Proprietorship

$20,833 Exemption 4
Address:
400 E Main St
Frankfort, KY40601-2334
Approved

May 5, 2021

Jobs Reported

1

Loan #

6919978906

Loan Size

Small

Phunky Pies LLC

Limited Liability Company(LLC

$60,105 Paid in Full
Address:
400 E Main St
Spartanburg, SC29302
Approved

May 1, 2020

Forgiven

$60,530

Jobs Reported

15

Loan #

3982387702

Loan Size

Small

Big Smoke Enterprise INC.

Corporation

$36,200 Paid in Full
Address:
400 E Main St
Allen, TX75002-2843
Approved

Apr 14, 2020

Forgiven

$36,655

Jobs Reported

6

Loan #

7253937100

Loan Size

Small

Adelle'S LLC

Limited Liability Company(LLC

$55,237 Paid in Full
Address:
400 E Main St Ste 120
Chattanooga, TN37408-1311
Approved

Feb 13, 2021

Forgiven

$55,838

Jobs Reported

10

Loan #

8758648408

Loan Size

Small

Apicella Lorei Orthodontics

Subchapter S Corporation

$143,620 Exemption 4
Address:
400 E Main St
Mechanicsburg, PA17055-6515
Approved

Jan 20, 2021

Forgiven

$145,068

Jobs Reported

12

Loan #

1918318303

Loan Size

Small

Inspire Chiropractic LLC

Corporation

$24,549 Paid in Full
Address:
400 E Main St Ste 140 B
Chattanooga, TN37408-1311
Approved

Apr 13, 2020

Forgiven

$24,695

Jobs Reported

4

Loan #

4309817106

Loan Size

Small

Kory Cook

Sole Proprietorship

$942 Paid in Full
Address:
400 E Main St N/A
Ossian, IA52161-8100
Approved

Mar 23, 2021

Forgiven

$948

Jobs Reported

1

Loan #

7338628608

Loan Size

Small

Melrose L Minton Iii Attorney At Law

Sole Proprietorship

$26,200 Paid in Full
Address:
400 E Main St A
Weatherford, OK73096-5352
Approved

Apr 14, 2020

Forgiven

$26,402

Jobs Reported

2

Loan #

6698857109

Loan Size

Small

Jillian Bos

Sole Proprietorship

$20,832 Paid in Full
Address:
400 E Main St
Visalia, CA93291-6315
Approved

Apr 14, 2021

Forgiven

$20,960

Jobs Reported

1

Loan #

3373388801

Loan Size

Small

Brenda Byrd

Sole Proprietorship

$4,291 Paid in Full
Address:
400 E Main St Ste B
Nacogdoches, TX75961-5214
Approved

Jan 30, 2021

Forgiven

$4,309

Jobs Reported

1

Loan #

8969478307

Loan Size

Small

Nolan K. Kapp

Self-Employed Individuals

$19,240 Paid in Full
Address:
400 E Main St Unit 100
Louisville, KY40202-7103
Approved

Mar 16, 2021

Forgiven

$19,367

Jobs Reported

1

Loan #

3009288603

Loan Size

Small

Mount Sterling CORP.

Corporation

$29,750 Paid in Full
Address:
400 E Main St
Mount Sterling, IL62353-1332
Approved

Apr 27, 2020

Forgiven

$29,988

Jobs Reported

4

Loan #

5723257202

Loan Size

Small

Mikayla Brown

Sole Proprietorship

$20,832 Exemption 4
Address:
400 E Main St
Frankfort, KY40601-2334
Approved

Mar 24, 2021

Jobs Reported

1

Loan #

7965648602

Loan Size

Small

Emk Client Services, INC.

Subchapter S Corporation

$27,600 Paid in Full
Address:
400 E Main St
Frisco, CO80443
Approved

Apr 11, 2020

Forgiven

$27,904

Jobs Reported

1

Loan #

3081427105

Loan Size

Small

A Rare Find Fashion

Sole Proprietorship

$4,200 Paid in Full
Address:
400 E Main St
Nacogdoches, TX75961-5214
Approved

Apr 28, 2020

Forgiven

$4,237

Jobs Reported

1

Loan #

8790207202

Loan Size

Small

Kay-Dee Commercial Cleaning, LLC

Limited Liability Company(LLC

$8,622 Paid in Full
Address:
5862 Bayberry Farms Dr SW Apt 3
Wyoming, MI49418-9125
Approved

Apr 14, 2020

Forgiven

$8,677

Jobs Reported

5

Loan #

7010607101

Loan Size

Small

Thaddeus Madsen

Sole Proprietorship

$469 Paid in Full
Address:
400 E Main St
Odessa, MO64076-1114
Approved

Jan 27, 2021

Forgiven

$473

Jobs Reported

1

Loan #

6771938309

Loan Size

Small

Maria M Rodriguez Duran

Sole Proprietorship

$2,282 Paid in Full
Address:
400 E Main st Ate 104
Louisville, KY40202-1111
Approved

Jul 23, 2020

Forgiven

$2,320

Jobs Reported

1

Loan #

7199708106

Loan Size

Small

Jab Investments LLC

Corporation

$18,050 Exemption 4
Address:
400 E Main St Ste 110
Visalia, CA93291-6320
Approved

Apr 30, 2020

Forgiven

$11,019

Jobs Reported

2

Loan #

5886137304

Loan Size

Small

William Cook Whiteside Dmd Psc

Corporation

$74,800 Paid in Full
Address:
400 E Main St
Glasgow, KY42141-2842
Approved

Jan 22, 2021

Forgiven

$75,199

Jobs Reported

6

Loan #

3807788300

Loan Size

Small

Eric Willsky Md Medical CORP DBA Aspen Anesthesia INC

Corporation

$224,909 Paid in Full
Address:
400 E Main St
Aspen, CO81611-2943
Approved

Apr 12, 2021

Forgiven

$227,719

Jobs Reported

9

Loan #

2457928800

Loan Size

Medium

Choseth Maa Group LLC

Limited Liability Company(LLC

$4,340 Paid in Full
Address:
400 E Main St
Parsons, KS67357
Approved

Apr 28, 2020

Forgiven

$4,376

Jobs Reported

1

Loan #

8651007201

Loan Size

Small

Tru Clean Janitorial, LLC

Limited Liability Company(LLC

$39,800 Exemption 4
Address:
400 E Main St Ste B
Canfield, OH44406-2500
Approved

May 1, 2020

Forgiven

$37,165

Jobs Reported

30

Loan #

8919067308

Loan Size

Small

Michael Sanders

Sole Proprietorship

$4,243 Paid in Full
Address:
400 E Main St
Chattanooga, TN37408-1311
Approved

Feb 19, 2021

Forgiven

$4,281

Jobs Reported

1

Loan #

1765918500

Loan Size

Small

Tru Clean Janitorial LLC

Limited Liability Company(LLC

$28,357 Paid in Full
Address:
400 E Main St Ste 5
Canfield, OH44406-2500
Approved

Mar 23, 2021

Forgiven

$28,705

Jobs Reported

6

Loan #

6745718603

Loan Size

Small

Tyler Simmons

Independent Contractors

$20,000 Paid in Full
Address:
400 E Main St N/A
Frankfort, KY40601-2334
Approved

Apr 6, 2021

Forgiven

$20,084

Jobs Reported

1

Loan #

7690328709

Loan Size

Small

Su-Ge-Be Corporation

Corporation

$45,100 Paid in Full
Address:
400 E Main St
Havelock, NC28532-2212
Approved

Mar 9, 2021

Forgiven

$45,488

Jobs Reported

3

Loan #

8149458502

Loan Size

Small

Anthony Symns

Sole Proprietorship

$9,703 Paid in Full
Address:
400 E Main St Ste 110
Visalia, CA93291-6320
Approved

Jun 4, 2020

Forgiven

$9,787

Jobs Reported

1

Loan #

7853957807

Loan Size

Small

Com Net, LLC

Limited Liability Company(LLC

$134,463 Paid in Full
Address:
400 E Main St
Muncie, IN47305-1833
Approved

Apr 9, 2020

Forgiven

$135,336

Jobs Reported

21

Loan #

9761967006

Loan Size

Small

Bulk Fabricated Products

Limited Liability Company(LLC

$17,500 Paid in Full
Address:
400 E Main St
Lavonia, GA30553
Approved

Apr 29, 2020

Forgiven

$17,712

Jobs Reported

2

Loan #

3804237308

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 50 PPP loan records are linked to businesses associated with James Larabel. 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 Larabel on the map

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10
5

James Larabel in Howard City, MI: Background Summary

Location
20160 Orchard Ln, Howard City, MI 49329, Howard City, MI 49329
Other Locations
El Paso, TX ยท Frisco, TX ยท Grand Rapids, MI
Profiles Found
9 people with this name
Phone Numbers
(616) 975-6143 and 11 others on file
Email
jiml2976@hotmail.com and 5 others on file
Possible Relatives
Sherry A Larabel, Carla R Teitelbaum, Caroleen M Miller, David L Kukor JR, Debbi Lin Haveman and 43 more
Vehicles
3 linked โ€” 2009 Ford Expedition, 2005 Chevrolet TrailBlazer and 1 more
Contributions
$125 total โ€” Realtors Pac Of Mi
PPP Loans
$2208K for Eric Willsky Md Medical CORP, Edgar Sanchez

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 Larabel. Because public records are indexed by name rather than by a unique identifier, the 71 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

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.

Patent Filings

Patent data is drawn from the United States Patent and Trademark Office (USPTO). Being listed as an inventor on a patent means this individual is credited as having made a substantive intellectual contribution to the invention described in the patent application. Patent records include the filing date, grant date, patent number, and a description of the invention. A patent listing does not indicate that the inventor currently owns the patent rights โ€” patents are frequently assigned to employers or transferred between entities after they are granted.

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 Larabel

Search Complexity: Moderate

71 public records across 2states, belonging to approximately 9 different individuals. There are 9 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 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 concentrated across 2 states. Highest concentration: Michigan (14%), followed by Texas. Spans the Midwest and South regions.

MI10recordsTX5records

Record Type Breakdown

Data spans 6 record categories. Largest: PPP Loan Records (71%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (9) and Political Contribution Records (5).

50
PPP Loan Records
9
Contact & Address Records
5
Political Contribution Records
3
Vehicle Registration Records
2
Corporate Records
1
Patent & Invention Records

Frequently Asked Questions About James Larabel

What vehicles are registered to James Larabel?
Records show 3 vehicle registrations associated with James Larabel, including a 2009 FORD EXPEDITION. Registered makes include Ford, Chevrolet, Lexus. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
Has James Larabel made political donations?
FEC disclosure records show 5 reported political contributions from James Larabel, totaling $125. Recipients include Realtors Pac Of Mi. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for James Larabel?
Our database contains 71 total records for James Larabel spanning 2 states. This includes 9 distinct contact records, 6 with phone numbers, 3 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 Larabel?
The 71 records displayed for James Larabel 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 Larabel 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.