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Jean M Reddin Baca from Warminster, PA

Age 70 b. 6/8/1955
📍 45 Eisenhard Dr, #warminster, PA 18974-1641
✉️ baca5@aol.com, bettya@cox.net, lvrea1@ptd.net, lvrea@gateway.net, baca5@att.net, baca5@mailcity.com, baca@aol.com
👨‍👩‍👧 Relatives: Robert Baca,Alexandra Sytnik,Angela D Nighan,Ashley M Laudenslager,Beth A Lesniak,Betty M Lichtenwalne,Betty J Lichtenwalner,Bj J Lichtenwalner,Brandon J Moninghoff,Caroline R Baca,Christa L Adams,Christopher R Baca,Craig T Lyons,Dana D Sytnik,Donald E Lichtenwalner,Donna M Lichtenwalner,Douglas W Moninghoff,Douglas J Moninghoff,Faith Ann Moninghoff,Francis H Lichtenwalner,Francis P Sytnik Jr,Glenn E Laudenslager,Gregory G Greenstein,Harold G Landis,Hattie J Laudenslager,Herbert G Landis,Janet H Boddy,Jenna M Burr,Jessica R Baca,Jillian Lee Clarke,John Sytnik,John H Tonkin 3rd,John H Tonkin Sr,John H Tonkin Jr,Joseph M Sytnik Sr,Joshua G Laudenslager,Karen L Turner Jr,Kathy A Greenstein,Kathy D Tonkin,Katie J Laudenslager,Kenneth L Landis,Kenneth C Sorensen,Kimberly D Locantore,Kurt M Laudenslager,Larry Francis Lichtenwalner,Linda M Madison,Lynda Madison Schafer,Mark A Lichtenwalner,Martin J Schafer,Matt A Moninghoff,Nathan R Laudenslager,Nathan J Lichtenwalner,Nina J Boddy,Paul Leonard Boddy,Rachel A Lichtenwalner,Richard L Schafer,Rita R Lyons,Ronald W Adams,Ruth S Landis,Ruth J Schmick,Sebastian Sytnik,Stephanie L Laudenslager,Sytnik Taylor,Thomas V Lyons,Virginia M Schafer,William M Adams Jr,William S Adams Sr,William John Bushkie 3rd,Zacha
🕐 16 previous addresses

Jean Baca from Amarillo, TX

Age 78
📍 5818 Radiant Ln, Amarillo, TX 79109
📞 (806) 367-6418, (806) 463-3047, (806) 359-4470, (806) 359-5346, (806) 367-6418, (806) 383-7180, (806) 463-3047
✉️ genevaed@gateway.net, genevaed@netscape.com, genevaed@sbcglobal.net, jeaned_bac@yahoo.com
👨‍👩‍👧 Relatives: Edward Borquez Baca,Genivieve Marquez Baca,Michelle Antonette Baca,Eddiel Baca,Christina Mareie Baca,Ryan Baca,Tasha Baca,Gregory R Baca

Jean M Baca

Age 64 b. 1961-09-28
📍 1059 N Massasoit Ave Fl 1, Chicago Il
📞 (773) 474-8422, (773) 725-6074
✉️ BACAJM69@AOL.COM, bacajm69@aol.com

Jean R Baca from Albuquerque, NM

Age 83 b. 6/1/1942
📍 5524 Calle Cumbre Nw, #albuquerque, NM 87120-1902
✉️ jbaca@earthlink.net
👨‍👩‍👧 Relatives: David R Baca,Norma J Giannini,Betty A Baca,Davetta Rae Baca,David R Baca,Ginevra J Giannini,Louis R Giannini Jr,Louis R Giannini Sr,Louis R Grannini,Norma R Giannini,Roman F Baca Jr,Rosemary T Baca,Antoinette Cordova,Ashley M Martinez,Catherine M Cordova,Cathy M Cordova,Chantel Cordova,Cheryl L Fields,Christina M Molina,Courtney A Giannini,David Andrew Anderson,Eduardo D Molina,Elijah Steven Saiz Jaramillo,Emily R Cordova,Ethan Z Jaramillo,Floyd L Allen,Jerry T Cordova,Joedine J Cordova,Joedine J Jaramillo,John F Cordova,Linda Jaramillo,Lisa D Allen,Marvin M Cordova,Marvin G Jaramillo,Marvin L Jaramillo,Matthew J Jaramillo,Merlinda T Cordova,Michael A Cordova,Michael R Cordova,Pablo Jaramillo,Patsy G Vega,Rebecca Jaramillo,Richard L Giannini,Sadie T Cordova Estate,Sung Te Kim,Tracylee Lee Anderson,Virgina Baldonado,Virginia C Baldonado,Virginia Cordova Baldonado,Virginia Cordova-Baldonado

Jean A Baca from Santa Fe, NM

Age 88 b. 7/5/1937
📍 2732 Camino Artesano, #santa Fe, NM 87505-6741
👨‍👩‍👧 Relatives: Joe Richard Baca,Arthur R Baca Jr,Dolores R Baca,Jason W Baca,Joe R Baca,Kellie L Borden,Leighann Baca,Michael A Baca Jr,Michael L Baca,Sarah Baca,Wanda M Baca,Alan J Geldbach Jr,Alexis Rae Baca,Amy J Peppi,Anita M Muller,Anna Marie Albanese,April K Geldbach,Berthan Denero,Brad A Hamm,Cheryle Lynn Daniels,David M Geldbach,Debra S Foster,Donald L Geldbach,Donna J Kramer,Evelyn I Borden,Joan C Geldbach,Joan C Geldbach,John L Albanese,John L Albanese Sr,John E Albanese,John L Albanese Jr,Jon L Geldbach,Katy Marie Hamm,Lawrence Sydney Worrall Jr,Leonard C Peppi,Maynard M Borden,Patrick M Denero Jr,Randy Borden,Rey Tyler Baca,Robyn Leslie Cook,Sara Jane Keyworth,Shannon L Borden,Sindi K Geldbach,Sydne Ann Baca,Terry M Borden,Terry M Borden,Tim B Muller,Vanessa M Baca,Wayne A Keyworth,Wesley R Daniels
🕐 12 previous addresses

Jean Marie Baca from Deerfield, IL

Age 64 b. 9/28/1961
📍 Po Box 521, #deerfield, IL 60015-0521
👨‍👩‍👧 Relatives: Anne M Baca,Barbara J Baca,Eli M Baca,Laura Chalmers Feliciano,Martha A Baca,Amelia E Feliciano,Byron Dixon,Daniel Feliciano,Diana E Feliciano,Fernando F Feliciano Jr,Fernando Feliciano 4th,Jacquelyn D Dixon,Josephine Feliciano,Prentice D Dixon,Tanya Frazier Dixon,Anh Dixon Trinh,Anh Reasons Trinn,Beulahre Robinson,Daisy M Dixon,Daniel J Robinson,Danny Joshua Robinson,Danny Robinson,Dominic L Robertson,Donald J Robinson,Fernando Bolaina Cruz,Fernando Bolaina Cruz,Fernando Feliciano,Fernando J Feliciano,Ingrid Feliciano,J A Robinson,James R Robinson,Jarrett A Frazier,Jerilynn Sams,June Lynette Frazier,Kelvin Sams Sr,Macario Bolaina,Melissa M Robinson,Oliver X Dixon,Ora R Robinson,Rena Robinson,Renita E Dixon
🕐 16 previous addresses

Jean M Baca from Albuquerque, NM

Age 47 b. 5/10/1978
📍 Po Box 67367, #albuquerque, NM 87193-7367
👨‍👩‍👧 Relatives: Celia L Baca,Lorenzo A Baca,Marjorie Ann Baca,Mark A Baca,Michael D Baca,Theresa B Baca,Theresa Baca,Alexis P Baca,Amrk Baca,Antonio J Baca,Carlos A Baca,Christopher J Baca,Christopher J Baca,Diaz N Diaz,Emma N Diaz,Grace A Baca,Jose I Diaz,Karen M Silva,Lindsey Congleton,Lisa M Baca,Monique C Phaklides,Patricia A Baca,Raymond L Baca,Senaida P Baca,Steve Kennith Baca Sr,Timothy James Bintz Sr,Vina M Baca,Adrienne Melisa Dixon,Aloha C Phaklides,Andrew M Silva,Antoinette M Marquez,Beth Anne Baca,Charlene D Baca,David G Silva,Gilbert E Silva,James O Dixon,Jason S Baca,Joe T Baca,John H Phaklides,Johnny M Martinez,Marcella M Silva,Marilyn Denise Baca,Michael L Silva Jr,Sharla Ann Silva,Steve Kennith Baca,Tyson R Hummell,Victor O Barncastle,Victoria A Silva,Victoria A Silva
🕐 5 previous addresses

Jean Baca from Chicago, IL

Age 64 b. Sep 1961 Cook Co.
📍 3508 N Kilbourn Ave Apt 307
📞 (773) 725-3089

Jean Baca from Chicago, IL

📍 4953 W Fulton St, #chicago, IL 60644-2532

Jean Baca from Amarillo, TX

Age 82 b. Sep 1943 Randall Co.
📍 5818 Radiant Ln
📞 (806) 359-3857

Jean Baca from Scottsdale, AZ

Age 75 b. Apr 1951 Maricopa Co.
📍 14700 N Frank Lloyd Wright Blvd 157 28
📞 (615) 892-3533

Jean Baca from Warminster, PA

Age 70 b. Jun 1955 Bucks Co.
📍 45 Eisenhard Dr
📞 (215) 322-7891

Jean Baca from Mesa, AZ

Age 52
📍 1709 Sea Pnes, Mesa, AZ 85205
📞 (928) 855-1176, (602) 396-4576, (928) 855-1176, (480) 924-3807

Jean Baca from La Junta, CO

Age 60
📍 508 Grand Ave, La Junta, CO 81050
👨‍👩‍👧 Relatives: Phil Baca

Jean Baca from Chicago, IL

0000 U
📍 4953 W Fulton St
📞 (773) 378-2057

Jean Baca from San Jose, CA

Age 76 b. Sep 1949 Santa Clara Co.
📍 10296 Kenny Ln

Jean Baca from Albuquerque, NM

Age 60 b. Sep 1965 Bernalillo Co.
📍 1304 Buena Vista Dr

Jean Baca from Albuquerque, NM

Age 48 b. Apr 1978 Bernalillo Co.
📍 6109 Hokona Pl Nw

Jean Baca from Mesa, AZ

Age 69 b. Sep 1956 Maricopa Co.
📍 2928 E Enid Ave

Jean Baca from Anaheim, CA

Age 70 b. Feb 1956 Orange Co.
📍 2048 S Nautical St 3
👤 aka Baca Jean L, Gillespie Jean L

Jean Baca from Ogden, UT

Age 82 b. Nov 1943 Weber Co.
📍 620 N Madison Ave

Jean Baca from Ogden, UT

Age 82 b. Nov 1943 Weber Co.
📍 626 N Madison Ave

Jean Baca from Escondido, CA

Age 88 b. Jul 1937 San Diego Co.
📍 2106 David Dr
👤 aka Jean A Vaca

Jean Baca from La Junta, CO

Age 71 b. Oct 1954 Otero Co.
📍 Po Box 274

Jean Baca from Scottsdale, AZ

0
📍 10412 Cannon Dr, Scottsdale, AZ 85258

Jean Baca from Mesa, AZ

📍 1709 N Sea Pnes
📞 (602) 396-4576 (Cell)

Jean Baca from La Junta, CO

Otero Co.
📍 618 Cimarron Ave
📞 (719) 384-9676

Jean Baca from La Junta, CO

Otero Co.
📍 1522 Grace Ave
📞 (719) 384-4429

Jean Baca from San Jose, CA

Santa Clara Co.
📍 302 Toyon Ave 117
📞 (254) 453-6001

Jean Baca from El Cerrito, CA

Contra Costa Co.
📍 7119 Central Ave
📞 (510) 524-6210

Jean Baca from La Junta, CO

Otero Co.
📍 918 San Juan Ave
📞 (719) 384-2549

Jean Baca from South Bend, IN

St Joseph Co.
📍 2301 N Bendix Dr Ste 500
📞 (716) 855-3442

Jean Baca from San Jose, CA

Santa Clara Co.
📍 302 Toyon Ave Unit 117
📞 (254) 453-6001

Jean Baca from Antioch, CA

Age 70 b. 1956 Female
📍 820 W 9th St

Jean Baca from Escondido, CA

San Diego Co.
📍 920 E Washington Ave

Jean Baca from Cheyenne, WY

Laramie Co.
📍 2302 Neal Ave

Jean Baca from La Junta, CO

Otero Co.
📍 222 E 2nd St

Jean Baca from Chicago, IL

Cook Co.
📍 3512 N Kilbourn Ave

Jean Baca from Amarillo, TX

Potter Co.
📍 1724 Walker Dr

Jean Baca from Portales, NM

Roosevelt Co.
📍 Rr 1 Po Box 0000000069

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 40 contact records for Jean Baca across 10 states. The most recent address on file is in Chicago, Illinois. Of these records, 22 include phone numbers and 4 include email addresses. Ages range from 52 to 78, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Baca Jean M

Bernalillo County
· 6009 Stoney Bluff Ct NW, Albuquerque Nm 87120.0
Assessed: $154,509

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 1 property record linked to Jean Baca in Albuquerque. Values shown are from county assessor records and may differ from current market prices.

2005 Nissan Altima
· Registered to: Jean Baca
· VIN: 1N4AL11D75N492741
·
3508 N Kilbourn Ave, Chicago, IL, 60641-3820

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 1 vehicle registration record is associated with Jean Baca. Registered makes include Nissan. 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.

Jean Baca

Director De Arte
tbwa perú
Brazil Marketing And Advertising
LinkedIn

Jean Baca

Fc Associate I
Amazon
Florida
LinkedIn

Jean Baca

library assist at UCLA

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 4 business affiliations were found for Jean Baca. Companies include tbwa perú. Records are compiled from state business registries, SEC filings, and professional networking databases.

jean baca

Expired
License # 17413
Addr: Denver, CO

Jean Baca

Cos
Expired
Addr: Denver, CO

jean baca

A
Addr: Saint Peter, MN

Jean Baca

Detective Board
NOT RENEWED
License # 129469232
Firm: Jean Marie Baca
Addr: Chicago, IL 60651

jean baca

Detective Board
NOT RENEWED
License # 129469232
Addr: Chicago, IL 60651
County: Cook
Issued: Feb 10, 2022 Exp: Jul 31, 2024

Licensed Professional

Source: State Professional Licensing Boards · Dept. of Professional Regulation Jean Baca holds 6 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.

Jean Baca

Theodore Roosevelt High School - Chicago, IL, IL
1980

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Jean Baca 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.

MP

Jean Baca

Age 55
·
PO Box 521, Deerfield, IL 60015 (Lake County)
42.1647, -87.8466
Marital: Single TZ: Central
Occ: Education Edu: Graduate School
Single Family
MP

Jean Baca

·
4953 W Fulton St, Chicago, IL 60644 (Cook County)
41.8856, -87.7500
TZ: Central
Single Family
MP

Jean Baca

·
PO Box 2064, Milan, NM 87021 (Cibola County)
35.1722, -107.8920
Marital: Single TZ: Mountain
Homeowner
MP

Jean R Baca

Age 75
·
5524 Calle Cumbre NW, Albuquerque, NM 87120 (Bernalillo County)
35.1435, -106.7030
· (505) 980-6052
Marital: Single TZ: Mountain
Edu: High School
Homeowner Single Family
MP

Jean A Baca

Age 80
·
2732 Camino Artesano, Santa Fe, NM 87505 (Santa Fe County)
35.6414, -105.9820
TZ: Mountain
Homeowner Single Family Purchased 2009
MP

Jean Baca

Age 91
·
40 N Lee Ave, Oakdale, CA 95361 (Stanislaus County)
37.7610, -120.8660
Marital: Inferred Married TZ: Pacific
Occ: Professional Edu: Some College
Multi-Family
MP

Jean M Baca

Age 47 Female
·
1128 Willow Dr, Saint Peter, MN 56082 (Nicollet County)
44.3381, -93.9683
· (507) 822-9776
Marital: Single TZ: Central
Edu: Some College
Homeowner Single Family Built 1971 Purchased 2006

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with Jean Baca. 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 Jean Baca. These loans were issued to businesses, not individuals.

Bret Zeik

Sole Proprietorship

$5,800 Paid in Full
Address:
403 N 7th St
Henderson, MN56044-7508
Approved

Apr 20, 2021

Forgiven

$5,816

Jobs Reported

1

Loan #

6829818802

Loan Size

Small

McCormick Landscaping, INC

Corporation

$25,345 Paid in Full
Address:
PO Box 521
Naperville, IL60566-0521
Approved

Apr 27, 2020

Forgiven

$25,739

Jobs Reported

4

Loan #

6060667210

Loan Size

Small

Amber Zeik

Sole Proprietorship

$1,600 Paid in Full
Address:
403 N 7th St
Henderson, MN56044-7508
Approved

Apr 20, 2021

Forgiven

$1,604

Jobs Reported

1

Loan #

6871158809

Loan Size

Small

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

Find Jean Baca on the map

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Found 58 results across 12 states

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Jean Baca in Chicago, IL: Background Summary

Location
1059 N Massasoit Ave Fl 1, Chicago Il, Chicago, IL
Other Locations
Amarillo, TX · Scottsdale, AZ · Warminster, PA and 13 more
Profiles Found
40 people with this name
Phone Numbers
(215) 322-7891 and 28 others on file
Email
baca5@aol.com and 12 others on file
Possible Relatives
Robert Baca, Alexandra Sytnik, Angela D Nighan, Ashley M Laudenslager, Beth A Lesniak and 257 more
Career
tbwa perú
Properties
1property owned
Vehicles
1 linked — 2005 Nissan Altima
Licenses
4 professional licenses (COS, DETECTIVE BOARD)
PPP Loans
$32,745 for Bret Zeik, McCormick Landscaping, 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 Jean Baca. Because public records are indexed by name rather than by a unique identifier, the 66 results displayed here may include information belonging to multiple individuals who share the same name — 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 — 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.

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 — 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.

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 Jean Baca

Search Complexity: High

66 public records across 12states, belonging to approximately 40 different individuals. With 40 distinct profiles across 12 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Professional License Records section may be most helpful for disambiguation because these records contain license numbers and issuing states.

Geographic Distribution

Records are widely distributed across 12 states. Highest concentration: Illinois (21%), followed by New Mexico and California. Spans the West and Midwest regions.

IL14recordsNM10recordsCA9recordsCO8recordsAZ5recordsTX3records

Record Type Breakdown

Data spans 6 record categories. Largest: Contact & Address Records (74%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Professional License Records (6) and Business & Corporate Filings (4).

43
Contact & Address Records
6
Professional License Records
4
Business & Corporate Filings
3
PPP Loan Records
1
Property Ownership Records
1
Vehicle Registration Records

Age Distribution

Age range: approximately 41 years, suggesting multiple generations. Largest group: Senior (65+) (71%).

Senior (65+)10peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Jean Baca

Does Jean Baca own property?
County assessor records show 1 property associated with Jean Baca . 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 Jean Baca?
Records show 1 vehicle registration associated with Jean Baca, including a 2005 Nissan Altima. 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 Jean Baca?
We found 4 business affiliations for Jean Baca, including tbwa perú. Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Jean Baca?
Our database contains 66 total records for Jean Baca spanning 12 states. This includes 40 distinct contact records, 22 with phone numbers, 4 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 Jean Baca?
The 66 records displayed for Jean Baca 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 Jean Baca 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.