Jane Claus

Age 43 b. 1982-06-07
๐Ÿ“ 3867 Yorkland Dr Nw, Alpine Twp Mi 49321
๐Ÿ“ž (616) 450-3292, (269) 760-9239
โœ‰๏ธ JANEMJAMES@GMAIL.COM, janemjames@gmail.com

Jane Claus from Long Beach, CA

Age 81 b. May 1944 Los Angeles Co.
๐Ÿ“ 3060 E 2nd St
๐Ÿ“ž (562) 438-1339, (562) 433-8046
๐Ÿ‘ค aka Miles Jane L, Claus Jane Labonge

Jane Claus from Thomasville, NC

Age 71 b. Jul 1954
๐Ÿ“ 203 Sam Kinley Dr
๐Ÿ“ž (954) 434-8511
๐Ÿ‘ค aka Jane Montella

Jane Claus

๐Ÿ“ 203 Sam Kinley Dr, Thomasville Nc
๐Ÿ“ž (336) 313-8281, (954) 805-6819
โœ‰๏ธ CAMINOCOWBOY@OUTLOOK.COM??

Jane Claus from Portland, OR

Age 60 b. Jul 1965 Multnomah Co.
๐Ÿ“ 520 Sw 6th Ave 600
๐Ÿ“ž (785) 549-3539

Jane Claus from Milford, MI

Age 78 b. 1948 Oakland Co.
๐Ÿ“ 4704 Windswept Dr Apt 28
๐Ÿ“ž (810) 229-8372

Jane Claus from Parkersburg, WV

Age 84 b. Nov 1941 Wood Co.
๐Ÿ“ 15 Parkview Way
๐Ÿ“ž (304) 485-1142

Jane Claus from Livonia, MI

Age 78 b. Jun 1947 Wayne Co.
๐Ÿ“ 14413 Bassett St
๐Ÿ“ž (313) 464-1249

Jane Claus from Maitland, FL

Age 59 b. Jan 1967 Orange Co.
๐Ÿ“ 1851 Mohawk Trl
๐Ÿ“ž (407) 678-9499

Jane Claus from Rogers City, MI

Age 73 b. May 1952 Presque Isle Co.
๐Ÿ“ 5146 Nagel Hwy
๐Ÿ“ž (989) 734-3150

Jane Claus from Concord, NC

Age 70 b. Aug 1955 Cabarrus Co.
๐Ÿ“ 2312 Applegate Dr
๐Ÿ“ž (704) 784-5371

Jane Claus from Rogers City, MI

Age 74 b. Feb 1952 Presque Isle Co.
๐Ÿ“ 5224 Nagel Hwy
๐Ÿ“ž (517) 734-3150

Jane Claus from Bluefield, WV

0
๐Ÿ“ 45 Redden Vlg, Bluefield, WV 24701
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Steven C Claus,Mary Jane Claus

Jane Claus from Portland, OR

Age 60 b. Jul 1965 Multnomah Co.
๐Ÿ“ 2722 Sw Texas St

Jane Claus from Las Vegas, NV

Age 91 b. Mar 1934 Clark Co.
๐Ÿ“ 2417 Llewellyn Dr

Jane Claus from Long Beach, CA

Age 82 b. Sep 1943 Los Angeles Co.
๐Ÿ“ 5044 Linden Ave Apt 3

Jane Claus from St Albans, WV

Age 84 b. Nov 1941 Kanawha Co.
๐Ÿ“ 48 Gerohimo Rd

Jane Claus from Clayton, CA

Age 77 b. May 1948 Contra Costa Co.
๐Ÿ“ 402 Chupcan Pl
๐Ÿ‘ค aka Penniman Jane E, Claus Jane E, Claus Jane

Jane Claus from Winter Park, FL

Age 59 b. Jan 1967 Orange Co.
๐Ÿ“ 3075 Crane Strand Dr
๐Ÿ‘ค aka June Claus, Jane Claus

Jane Claus from Severance, NY

Age 78 b. Aug 1947 Essex Co.
๐Ÿ“ Po Box 132

Jane Claus from Coal Valley, IL

Rock Island Co.
๐Ÿ“ 1911 1 St St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 22 contact records for Jane Claus across 9 states. The most recent address on file is in Long Beach, California. Of these records, 13 include phone numbers and 3 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Claus,jane

Multnomah County
PIN: R101716
· 2722 SW Texas St, PORTLAND or
Built: 1974.0

Claus Jane M

· 203 Sam Kinley Dr, NC
Assessed: $107,550

Jane Claus

2021 Essex County
· Shore, Schroon

Jane Claus

2022 Essex County
· Shore, Schroon

Jane Claus

2021 Essex County
· 242 Shore, Schroon

Jane Claus

2022 Essex County
· 242 Shore, Schroon

Jane Claus

2022 Essex County
· Shore, Schroon

Jane Claus

2021 Essex County
· Shore, Schroon

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 8 property records linked to Jane Claus. Values shown are from county assessor records and may differ from current market prices.

jane MARIE claus

Democrat Reg: 08/09/2016
203 Sam Kinley Dr, Thomasville, NC, 27360
DOB: 1954 Gender: Female
County: Davidson

Jane A Claus

Reg: 1/1/115926
242 Shore Rd
DOB: 19470817 Gender: Female
Senate: 21

Jane Marie Claus

Democrat Reg: 9/18/2001
2722 SW Texas St, Portland, OR, 97219
DOB: 1/1/1965
County: Multnomah

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 3 voter registration records were found for Jane Claus in North Carolina, Oregon. Party affiliation is listed as DEM. 1 registration is currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2012 Chevrolet Impala
ยท Registered to: Jane Claus
ยท VIN: 2G1WB5E3XC1326278
·
5146 Nagel Hwy, Rogers City, MI, 49779
·
(989) 734-3150
2011 FORD TAURUS
ยท Registered to: Jane Claus
ยท VIN: 1FAHP2FW1BG174522
·
4704 Windswept Dr, Milford, MI, 48380-2778

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 2 vehicle registration records are associated with Jane Claus. Registered makes include Chevrolet, Ford. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Rotanium Products Company

President
(407) 678-9499
Winter Park, FL
Wholesale Trade - Durable Goods (Products)

Ashby Glen & Tremont Apts

Manager
(304) 485-1142
Vienna, WV
Real Estate (Housing)

First Source Mortgage

Jane ClausLoan Officer
(858) 866-4500jeclaus2001@yahoo.com
Mcminnville, OR97128

Women'S City Club Of Grand Rapids

Jane ClausSecretary
Grand Rapids, MI

Jane Claus

Central Florida Sales Representative
Lawson Products

Jane Claus

Executive Officer
(407) 496-6050jane.claus@gmail.com
1851 Mohawk Trl, Maitland, FL32751
onlinewebsolutions.com

Cpac Inc

Jane ClausPurchasing Agent
(212) 605-0191jane.claus@cpac.com
New York, NY

Jane Claus

United States

Jane Claus

Portland, OR

Jane Claus

Portland, OR97219

Jane Claus

Executive Officer
(407) 496-6050jane.claus@gmail.com
1851 Mohawk Trl, Maitland, FL32751

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 15 business affiliations were found for Jane Claus. Companies include Rotanium Products Company, Ashby Glen & Tremont Apts, First Source Mortgage and 1 more. Roles listed include Loan Officer and Secretary. Records are compiled from state business registries, SEC filings, and professional networking databases.

Clauslaw LLC

Addr: 520 SW 6th Ave Ste 600, Portland, OR, 97204
OR
MANAGER: Jane Marie Claus

Clauslaw LLC

Addr: 520 SW 6th Ave Ste 600, Portland, OR, 97204
OR
Officer: jane MARIE claus

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

$500 Dec 2, 1985
1986 REP
Packwood, Robert W
Claus, Jane Long Beach, CA
$1,000 Sep 28, 2012
2012 REP
Romney, Mitt / Ryan, Paul D.
Claus, Jane L Retired Long Beach, CA
$2,500 Feb 24, 2016
2016
New Majority California Pac
Claus, Jane Retired Long Beach, CA
$15 Mar 11, 2017
2018 DEM
Gillibrand, Kirsten Elizabeth
Claus, Jane Not Employed Severance, NY
$500 Jan 9, 1997
1998 REP
Horn, John Stephen
Claus, Jane Homemaker Long Beach, CA
$1,000 Oct 26, 2012
2012 REP
Romney, Mitt / Ryan, Paul D.
Claus, Jane L Retired Long Beach, CA
$100 Nov 15, 2020
2020 REP
National Republican Senatorial Committee Expenditures *
Claus, Jane Retired Long Beach, CA
$500 Nov 7, 2000
2000 REP
Horn, John Stephen
Claus, Jane Homemaker Long Beach, CA
$2,500 Aug 28, 2015
2016
New Majority California Pac
Claus, Jane Retired Long Beach, CA
$5,000 Feb 27, 2014
2014
New Majority Pac Sponsored By The New Majority Committee
Claus, Jane Retired Long Beach, CA
$500 Sep 29, 1998
1998 REP
Horn, John Stephen
Claus, Jane Homemaker Long Beach, CA
$1,000 Sep 19, 2012
2012 REP
Delong, Gary
Claus, Jane Executive @ Mft Long Beach, CA
$200 Sep 13, 2010
2010 REP
Maldonado, Abel
Claus, Jane L Family & Marriage Counselor @ Self-Employed Same Name Long Beach, CA
$5,000 Feb 27, 2014
New Majority Pac Sponsored By The New Majority Committee
Contributor Retired Long Beach, CA
$250 Dec 15, 2019
Unknown Committee
Claus, Jane Retired Long Beach, CA
$5,000
2014
New Majority Pac Sponsored By The New Majority Committee
Contributor Retired Long Beach, CA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 16 political contribution records found for Jane Claus. Total disclosed contributions amount to $25,565. Recipients include New Majority Pac Sponsored By The New Majority Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Jane M Claus

Age 63 Female
·
203 Sam Kinley Dr, Thomasville, NC 27360 (Davidson County)
35.8741, -80.1113
· (336) 313-8281
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1993 Purchased 2016
MP

Jane C Claus

Age 69 Female
·
4704 Windswept Dr, Milford, MI 48380 (Oakland County)
42.5336, -83.7019
· (810) 229-8372
Marital: Married TZ: Eastern
Occ: White Collar Edu: Some College
Homeowner Multi-Family Built 1995 Purchased 2006
MP

Jane L Claus

Age 73 Female
·
3060 E 2nd St, Long Beach, CA 90803 (Los Angeles County)
33.7641, -118.1560
· (562) 433-8046
Marital: Married TZ: Pacific
Occ: Healthcare Edu: Some College
Homeowner Single Family Built 1920 Purchased 2006
MP

Jane Claus

Age 58 Female
·
170 Overlook Dr, Marquette, MI 49855 (Marquette County)
46.5361, -87.4524
· (906) 273-0659
Marital: Single TZ: Eastern
Homeowner Single Family Built 2012 Purchased 2012
MP

Jane A Claus

Age 65 Female
·
1105 Larke Ave, Rogers City, MI 49779 (Presque Isle County)
45.4215, -83.8285
· (989) 766-3094
Marital: Married TZ: Eastern
Edu: High School
Single Family
MP

Jane A Claus

Age 70 Female
·
PO Box 132, Severance, NY 12872 (Essex County)
43.8765, -73.7190
· (518) 532-7240
Marital: Married TZ: Eastern
Occ: Professional Edu: Some College
Homeowner Single Family Built 1993

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 6 demographic profiles associated with Jane Claus. 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 Jane Claus. These loans were issued to businesses, not individuals.

Death With Dignity National Center

Non-Profit Organization

$88,900 Paid in Full
Address:
520 SW 6th Ave Ste 1220
Portland, OR97204-1510
Approved

Feb 16, 2021

Forgiven

$89,392

Jobs Reported

5

Loan #

9286418404

Loan Size

Small

Hive Mind Medicine

Corporation

$69,963 Paid in Full
Address:
520 SW 6th Ave #830
Portland, OR97204
Approved

Apr 27, 2020

Forgiven

$70,658

Jobs Reported

7

Loan #

3633457200

Loan Size

Small

Felton Properties, INC.

Corporation

$154,400 Paid in Full
Address:
520 SW 6th Ave
Portland, OR97204-1500
Approved

Apr 10, 2020

Forgiven

$155,364

Jobs Reported

7

Loan #

1284007109

Loan Size

Medium

Death With Dignity National Center

Non-Profit Organization

$88,899 Paid in Full
Address:
520 SW 6th Ave Ste 1220
Portland, OR97204-1510
Approved

May 1, 2020

Forgiven

$89,503

Jobs Reported

8

Loan #

6576487706

Loan Size

Small

Mary E. Perkins, Cpa, P.c.

Sole Proprietorship

$35,157 Paid in Full
Address:
520 SW 6th Ave Ste 1110
Portland, OR97204
Approved

May 1, 2020

Forgiven

$35,469

Jobs Reported

3

Loan #

1130227701

Loan Size

Small

Columbia Financial Advisors INC.

Corporation

$161,425 Paid in Full
Address:
520 SW 6th Ave Ste 820
Portland, OR97204-1514
Approved

Feb 16, 2021

Forgiven

$162,228

Jobs Reported

11

Loan #

9295108407

Loan Size

Medium

Jeffrey A Beamish

Sole Proprietorship

$10,881 Paid in Full
Address:
132 PO Box
Saranac Lake, NY12983-0132
Approved

May 8, 2020

Forgiven

$10,984

Jobs Reported

1

Loan #

3863577403

Loan Size

Small

Columbia Financial Advisors INC.

Corporation

$161,425 Paid in Full
Address:
520 SW 6th Ave Ste 820
Portland, OR97204-1514
Approved

Mar 20, 2021

Forgiven

$162,268

Jobs Reported

11

Loan #

4836758600

Loan Size

Medium

Mary E. Perkins Cpa P.c.

Sole Proprietorship

$34,487 Paid in Full
Address:
520 SW 6th Ave Ste 1110
Portland, OR97204-1511
Approved

Jan 31, 2021

Forgiven

$34,733

Jobs Reported

3

Loan #

9842328305

Loan Size

Small

Felton Properties INC.

Corporation

$145,987 Paid in Full
Address:
520 SW 6th Ave Ste 610
Portland, OR97204-1516
Approved

Feb 5, 2021

Forgiven

$147,127

Jobs Reported

7

Loan #

3511748409

Loan Size

Small

Bridge To Becoming LLC

Limited Liability Company(LLC

$7,277 Paid in Full
Address:
520 SW 6th Ave Ste 830 Ste S
Portland, OR97204-1514
Approved

Apr 20, 2021

Forgiven

$7,322

Jobs Reported

1

Loan #

6953898801

Loan Size

Small

Mark Kramer

Sole Proprietorship

$51,103 Paid in Full
Address:
520 SW 6th Ave Ste 1010
Portland, OR97204-1552
Approved

Mar 28, 2021

Forgiven

$51,585

Jobs Reported

5

Loan #

2077808710

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 12 PPP loan records are linked to businesses associated with Jane Claus. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Jane Claus on the map

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Jane Claus in Alpine Twp, MI: Background Summary

Location
3867 Yorkland Dr NW, Alpine Twp Mi 49321, Alpine Twp, MI
Other Locations
Long Beach, CA ยท Thomasville, NC ยท Portland, OR and 12 more
Profiles Found
22 people with this name
Phone Numbers
(562) 433-8046 and 16 others on file
Email
gdf2004@aol.com and 5 others on file
Possible Relatives
Barbara E Claus, Mary J Miles, Melinda S Labonge, Roger H Claus, Stephen J Labonge SR and 46 more
Career
Secretary, Executive Officer at Rotanium Products Company, Ashby Glen & Tremont Apts
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
2 linked โ€” 2012 Chevrolet Impala, 2011 Ford Taurus
Contributions
$25.6K total โ€” New Majority Pac Sponsored By The New Majority Committee, New Majority Pac Sponsored By The New Majority Committee
PPP Loans
$1010K for Death With Dignity National Center, Hive Mind Medicine

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 Jane Claus. Because public records are indexed by name rather than by a unique identifier, the 92 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 Jane Claus

Search Complexity: High

92 public records across 9states, belonging to approximately 22 different individuals. With 22 distinct profiles across 9 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 9 states. Highest concentration: California (13%), followed by Michigan and Oregon. Spans the West and South regions.

CA12recordsMI11recordsOR9recordsFL7recordsNC5recordsWV4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (33%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (16) and Business & Corporate Filings (15).

28
Contact & Address Records
16
Political Contribution Records
15
Business & Corporate Filings
12
PPP Loan Records
8
Property Ownership Records
3
Voter Registration Records

Age Distribution

Age range: approximately 48 years, suggesting multiple generations. Largest group: Senior (65+) (75%).

Senior (65+)9peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Jane Claus

Is Jane Claus a registered voter?
Yes, voter registration records show Jane Claus is registered in North Carolina with DEM affiliation. We found 3 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Jane Claus own property?
County assessor records show 8 properties associated with Jane Claus . 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 Jane Claus?
Records show 2 vehicle registrations associated with Jane Claus, including a 2012 Chevrolet Impala. Registered makes include Chevrolet, Ford. 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 Jane Claus?
We found 15 business affiliations for Jane Claus, including Rotanium Products Company. Other companies include Ashby Glen & Tremont Apts, First Source Mortgage. Business records are compiled from state registries, SEC filings, and professional databases.
Has Jane Claus made political donations?
FEC disclosure records show 16 reported political contributions from Jane Claus, totaling $25,565. Recipients include New Majority Pac Sponsored By The New Majority Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Jane Claus?
Our database contains 92 total records for Jane Claus spanning 9 states. This includes 22 distinct contact records, 13 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 Jane Claus?
The 92 records displayed for Jane Claus 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 Jane Claus 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.