Jeff Matherly

Age 67 b. 1958-07-27
๐Ÿ“ 3700 Marlin Dr, Louisville Ky
๐Ÿ“ž (502) 582-0333, (502) 267-8918, (502) 931-8401
โœ‰๏ธ JMATHERLY@INSIGHTBB.COM, jmatherly@insightbb.com

Jeff Matherly from Fairbanks, AK

Age 54 b. Jun 1971 Fairbanks North Star Co.
๐Ÿ“ 427 Cindy Dr
๐Ÿ“ž (907) 474-8015

Jeff Matherly from Butler, TN

Age 49
๐Ÿ“ 238 Church St, Butler, TN 37640
๐Ÿ“ž (423) 768-3834
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Brenda C Matherly,Christine L Matherly

Jeff Matherly from Gilbert, AZ

Age 59
๐Ÿ“ 23417 S 182nd St, Gilbert, AZ 85298
๐Ÿ“ž (480) 988-9462

Jeff Matherly from Landenberg, PA

Age 54 b. Sep 1971 Chester Co.
๐Ÿ“ 113 Mercer Mill Rd
๐Ÿ“ž (610) 274-0394

Jeff Matherly from Cohasset, MA

Age 70 b. Jul 1955
๐Ÿ“ 30 Schofield Rd
๐Ÿ“ž (614) 491-6390
๐Ÿ‘ค aka Jeff W Matherly, Walter J Matherly

Jeff Matherly from Junction City, KY

Age 61 b. Feb 1965 Boyle Co.
๐Ÿ“ 1351 W Shelby St
๐Ÿ“ž (336) 246-3735

Jeff Matherly from Louisville, KY

Age 67 b. Jul 1958 Jefferson Co.
๐Ÿ“ 3700 Marlin Dr
๐Ÿ“ž (502) 267-8918

Jeff Matherly from Jeffersontown, KY

Age 56
๐Ÿ“ 3700 Marlin Dr, Jeffersontown, KY 40299
๐Ÿ“ž (502) 267-8918, (502) 267-8918, (502) 231-1374

Jeff Matherly

๐Ÿ“ 607 N Pennsylvania Ave, Drumright Ok
๐Ÿ“ž (918) 607-9099, (918) 607-9099
โœ‰๏ธ MOONDOG653@YAHOO.COM

Jeff Matherly

๐Ÿ“ 607 Pennsylvania, Drumright Ok 74030
๐Ÿ“ž (918) 607-9099, (918) 607-9099
โœ‰๏ธ MOONDOG653@YAHOO.COM

Jeff Matherly from Bridgeport, CT

Male
๐Ÿ“ 607 N Pennsylvania
๐Ÿ“ž (203) 520-3094 (VERIZON WIRELESS)

Jeff Matherly from Gilbert, AZ

Age 64 b. 1962 Male
๐Ÿ“ 23417 S 182nd St
๐Ÿ“ž (480) 988-9462

Jeff Matherly from Johnson City, TN

Age 66 b. Sep 1959 Washington Co.
๐Ÿ“ 128 Matherly Rd

Jeff Matherly from Jasper, TX

0
๐Ÿ“ 753 Po Box, Jasper, TX 75951

Jeff Matherly from Fairbanks, AK

Fairbanks North Star Co.
๐Ÿ“ 660 Rebecca St Apt 15
๐Ÿ“ž (605) 339-0933

Jeff Matherly from Fairbanks, AK

Fairbanks North Star Co.
๐Ÿ“ 1112 Kodiak St

Jeff Matherly from Boston, MA

๐Ÿ“ 85 Devonshire St Ste 1000

Jeff Matherly from Oxford, PA

Chester Co.
๐Ÿ“ 110 Barclay Ln

Jeff Matherly from Louisville, KY

Jefferson Co.
๐Ÿ“ 9611 Hudson Ln

Jeff Matherly from Lumberton, TX

Hardin Co.
๐Ÿ“ 8085 Allisons Wa

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 21 contact records for Jeff Matherly across 8 states. The most recent address on file is in Fairbanks, Alaska. Of these records, 14 include phone numbers and 3 include email addresses. Ages range from 49 to 59, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Matherly Jeff R Ttee

Hernando County
PIN: R08 422 20 0000 0170 0000
· 10379 Weatherly Rd, Brooksville 34601
Value: $106,255

Matherly Jeff R Ttee

Hernando County
· 10379 Weatherly Rd, Brooksville 34601.0
Built: 1994.0
Assessed: $113,133

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 2 property records linked to Jeff Matherly in Brooksville. Values shown are from county assessor records and may differ from current market prices.

Jeff Lynn Matherly

Republican Reg: 10/15/2016
120 Jenners Pond Rd 3219, West Grove, PA, 19390
DOB: 09/07/1971 Gender: Male

Jeff Lynn Matherly

120 Jenners Pond Rd 3219
DOB: 09/07/1971 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for Jeff Matherly in Pennsylvania. Party affiliation is listed as R. 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.

2007 DODGE NITRO
ยท Registered to: Jeff Matherly
ยท VIN: 1D8GT28K47W706016
·
8085 Allisons Way, Lumberton, TX, 77657
·
(409) 755-7907
2008 CHEVROLET IMPALA
ยท Registered to: Jeff Matherly
ยท VIN: 2G1WT55K589220012
·
8085 Allisons Way, Lumberton, TX, 77657-6857
·
(409) 755-7907
2002 TOYOTA TACOMA COMPACT TRUCK
ยท Registered to: Jeff Matherly
ยท VIN: 5TEHN72N62Z112486
·
415 Elwood Dr, Danville, KY, 40422
·
(859) 854-3418

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with Jeff Matherly. Registered makes include Dodge, Chevrolet, Toyota. The most recent model year on record is 2008. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

MWare

President
+16178450040jmatherly@mwareinc.com
Hull,

Zodiac Travel Inc

President
(772) 692-0919
Stuart, FL
Transportation Services (Services)

H & S Clutch Rebuilders

Partner
(423) 282-2084
Johnson City, TN
Automotive Services, Parking and Repair (Automotive)

Mware Inc

Chief Executive Officer
Hull, MA
Business Services (Services)

Discount Tire / Americas Tire

Manager
(409) 899-2556
Beaumont, TX
Gasoline Service Stations and Automotive Dealers (Automotive)

Discount Tire Co Of Texas Inc

Manager
(409) 899-2556
Beaumont, TX
Gasoline Service Stations and Automotive Dealers (Automotive)

Jeff Matherly

United States

Jeff Matherly

electrician at IBEW 1547< ยท Anchorage, Alaska Area

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 13 business affiliations were found for Jeff Matherly. Companies include Zodiac Travel Inc, H & S Clutch Rebuilders, Mware Inc and 2 more. Roles listed include President and Founder. Records are compiled from state business registries, SEC filings, and professional networking databases.

Jeff Matherly

Jeff Matherly

Jeff Matherly

Jeff Matherly

Bowles Rice McDavid Graff & Love LLP

Addr: KY
KY
President: Jeff Matherly

Source: Public Records Jeff Matherly appears in 5 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$250 Sep 20, 2001
2002 DEM
Craigo, Oshel B
Matherly, Jeff
$250 Sep 20, 2001
DEM
Craigo, Oshel B
Contributor

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 2 political contribution records found for Jeff Matherly. Total disclosed contributions amount to $500. Recipients include Craigo, Oshel B. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Jeff Matherly

Male
·
33533 Little Valley Rd, Caliente, CA 93518 (Kern County)
35.3122, -118.3670
TZ: Pacific
Single Family
MP

Jeff Matherly

Age 55 Male
·
23417 S 182nd St, Gilbert, AZ 85298 (Maricopa County)
33.2358, -111.6900
· (480) 988-9462
Marital: Married TZ: Mountain
Edu: High School
Homeowner Single Family Built 1979
MP

Jeff W Matherly

Age 47 Male
·
499 Brizzolara St, Sn Luis Obisp, CA 93401 (San Luis Obispo County)
35.2797, -120.6690
· (661) 900-7758
Marital: Married TZ: Pacific
Edu: High School
Single Family
MP

Jeff L Matherly

Age 59 Male
·
3700 Marlin Dr, Louisville, KY 40299 (Jefferson County)
38.1921, -85.5760
· (502) 267-8918
Marital: Single TZ: Eastern
Edu: High School
Homeowner Single Family Purchased 1993
MP

Jeff Matherly

Age 62 Male
·
70 Highland Ave, Hull, MA 02045 (Plymouth County)
42.3006, -70.9110
· (781) 925-5795
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family Built 1994 Purchased 2003
MP

Jeff R Matherly

Age 31 Male
·
10379 Weatherly Rd, Brooksville, FL 34601 (Hernando County)
28.5800, -82.3266
· (352) 799-3496
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1994 Purchased 1997
MP

Jeff Matherly

Age 32 Male
·
427 Cindy Dr, Fairbanks, AK 99701 (Fairbanks North Star County)
64.8516, -147.6740
Marital: Single TZ: Hawaii
Homeowner Single Family Built 1985

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

Hot Water LLC

Limited Liability Company(LLC

$222,827 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3139
Approved

Feb 9, 2021

Forgiven

$224,554

Jobs Reported

40

Loan #

5713308403

Loan Size

Medium

South Shore Mental Health Center, INC.

Corporation

$6,000,000 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Apr 6, 2020

Forgiven

$4,957,167

Jobs Reported

490

Loan #

6364237002

Loan Size

Large

Bp Ashby LLC

Limited Liability Company(LLC

$538,649 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Apr 7, 2020

Forgiven

$373,209

Jobs Reported

44

Loan #

7123157006

Loan Size

Medium

Amity Insurance Agency, INC.

Corporation

$335,600 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171
Approved

Apr 10, 2020

Forgiven

$315,034

Jobs Reported

21

Loan #

1894937103

Loan Size

Medium

Timber Down Logging INC.

Subchapter S Corporation

$93,900 Paid in Full
Address:
70 Highland Ave
Fort Kent, ME04743-1432
Approved

Mar 13, 2021

Forgiven

$94,612

Jobs Reported

10

Loan #

2106778605

Loan Size

Small

Jcm Fire Safety LLC

Limited Liability Company(LLC

$12,000 Paid in Full
Address:
70 Highland Ave
Staten Island, NY10301
Approved

May 1, 2020

Forgiven

$12,113

Jobs Reported

1

Loan #

2368247701

Loan Size

Small

Chantey At Marina Bay, INC., The

Corporation

$108,043 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Apr 13, 2020

Forgiven

$109,036

Jobs Reported

15

Loan #

4634007103

Loan Size

Small

Local 02045 LLC

Limited Liability Company(LLC

$153,230 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3139
Approved

Jan 23, 2021

Forgiven

$154,562

Jobs Reported

40

Loan #

4658518300

Loan Size

Medium

South Shore Autism Center, LLC

Limited Liability Company(LLC

$415,593 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Apr 7, 2020

Forgiven

$402,799

Jobs Reported

42

Loan #

6914117007

Loan Size

Medium

Bedrock Rehab LLC

Limited Liability Company(LLC

$16,158 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Apr 9, 2020

Forgiven

$7,523

Jobs Reported

1

Loan #

9648317008

Loan Size

Small

Celebration Tours Ii INC

Subchapter S Corporation

$8,134 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3139
Approved

Apr 15, 2020

Forgiven

$8,219

Jobs Reported

2

Loan #

9583017108

Loan Size

Small

Team Impact INC.

Non-Profit Organization

$593,248 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3139
Approved

Feb 4, 2021

Forgiven

$599,428

Jobs Reported

32

Loan #

2804158408

Loan Size

Medium

The Chantey At Marina Ba

Corporation

$151,260 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3139
Approved

Jan 28, 2021

Forgiven

$152,541

Jobs Reported

23

Loan #

7655668308

Loan Size

Medium

Northeast Addictions Treatment Center LLC

Limited Liability Company(LLC

$971,363 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Apr 7, 2020

Forgiven

$883,434

Jobs Reported

57

Loan #

7077577001

Loan Size

Medium

Ark National LLC

Limited Liability Company(LLC

$126,656 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Apr 7, 2020

Forgiven

$36,535

Jobs Reported

11

Loan #

6997127004

Loan Size

Small

Grille 117 At Weathervane Golf LLC

Limited Liability Company(LLC

$63,353 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Jan 25, 2021

Forgiven

$63,863

Jobs Reported

20

Loan #

5296788307

Loan Size

Small

Bpms, INC.

Corporation

$517,172 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Apr 10, 2020

Forgiven

$522,674

Jobs Reported

28

Loan #

2338477100

Loan Size

Medium

Local 02045 LLC

Limited Liability Company(LLC

$109,450 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171
Approved

Apr 14, 2020

Forgiven

$110,633

Jobs Reported

17

Loan #

6854987105

Loan Size

Small

Recovering Champions LLC

Limited Liability Company(LLC

$789,898 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Apr 7, 2020

Forgiven

$684,957

Jobs Reported

62

Loan #

6943547006

Loan Size

Medium

Marina Bay Management Services LLC

Limited Liability Company(LLC

$496,255 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Jun 25, 2020

Forgiven

$501,576

Jobs Reported

42

Loan #

3867548006

Loan Size

Medium

F.x. White Electrical, INC.

Corporation

$98,060 Paid in Full
Address:
500 Victory Rd
Quincy, MA02171-3106
Approved

Apr 11, 2020

Forgiven

$99,117

Jobs Reported

8

Loan #

3477897102

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 21 PPP loan records are linked to businesses associated with Jeff Matherly. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Jeff Matherly on the map

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Jeff Matherly in Louisville, KY: Background Summary

Location
3700 Marlin Dr, Louisville Ky, Louisville, KY
Other Locations
Fairbanks, AK ยท Gilbert, AZ ยท Landenberg, PA and 7 more
Profiles Found
21 people with this name
Phone Numbers
(502) 582-0333 and 11 others on file
Email
jmatherly@insightbb.com and 1 other on file
Possible Relatives
Brenda C Matherly, Christine L Matherly
Career
President, Founder at Zodiac Travel Inc, H & S Clutch Rebuilders
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
3 linked โ€” 2007 Dodge Nitro, 2008 Chevrolet Impala and 1 more
Contributions
$500 total โ€” Craigo, Oshel B
PPP Loans
$11821K for Hot Water LLC, South Shore Mental Health Center, 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 Jeff Matherly. Because public records are indexed by name rather than by a unique identifier, the 78 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 Jeff Matherly

Search Complexity: High

78 public records across 11states, belonging to approximately 21 different individuals. With 21 distinct profiles across 11 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Property Ownership Records section may be most helpful for disambiguation because these records list property addresses and co-owners, which can help distinguish between individuals.

Geographic Distribution

Records are widely distributed across 11 states. Highest concentration: Kentucky (9%), followed by Texas and Alaska. Spans the South and West regions.

KY7recordsTX6recordsAK5recordsMA4recordsTN3recordsAZ3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (32%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (21) and Business & Corporate Filings (13).

23
Contact & Address Records
21
PPP Loan Records
13
Business & Corporate Filings
5
Corporate Records
3
Vehicle Registration Records
2
Property Ownership Records

Age Distribution

Age range: approximately 22 years, suggesting multiple generations. Largest group: Senior (65+) (38%).

Senior (65+)3peopleMiddle-Age (40-64)5people

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

Frequently Asked Questions About Jeff Matherly

Is Jeff Matherly a registered voter?
Yes, voter registration records show Jeff Matherly is registered in Pennsylvania with R affiliation. We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Jeff Matherly own property?
County assessor records show 2 properties associated with Jeff Matherly . 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 Jeff Matherly?
Records show 3 vehicle registrations associated with Jeff Matherly, including a 2007 DODGE NITRO. Registered makes include Dodge, Chevrolet, Toyota. 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 Jeff Matherly?
We found 13 business affiliations for Jeff Matherly (President). Other companies include H & S Clutch Rebuilders, Mware Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Jeff Matherly made political donations?
FEC disclosure records show 2 reported political contributions from Jeff Matherly, totaling $500. Recipients include Craigo, Oshel B. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Jeff Matherly?
Our database contains 78 total records for Jeff Matherly spanning 11 states. This includes 21 distinct contact records, 14 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 Jeff Matherly?
The 78 records displayed for Jeff Matherly 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 Jeff Matherly 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.