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Jeffrey Karlin

Age 78 b. 1947-12-11
📍 2812 Saklan Indian Dr, Walnut Creek Ca
📞 (510) 839-8562, (510) 435-9260
✉️ JEFF.NAOMI@SBCGLOBAL.NET, jeff.naomi@sbcglobal.net

Jeffrey Karlin from Manchester, NH

Age 60
📍 95 Market St, Manchester, NH 03101
📞 (603) 669-4140, (603) 463-8063, (603) 644-8931, (603) 644-8931, (603) 669-4140, (603) 463-8063
✉️ jkarlin@wadleighlaw.com
👨‍👩‍👧 Relatives: Maryweld Karlin
🏪 Lgl Development Corporation, Lewiston Bottled Gas Company

Jeffrey Karlin from Manalapan, NJ

Age 42
📍 5 Silverleaf Way, Manalapan, NJ 07726
📞 (732) 536-5212, (732) 238-1110, (732) 446-2074, (516) 681-6183, (732) 536-5212, (732) 446-2074, (732) 492-5208, (516) 647-9127, (516) 681-6183, (732) 238-1110
👨‍👩‍👧 Relatives: Dana M Karlin,Robert A Karlin,Vincent Cestone,Audrey D Karlin,Jeffery Karlin,Dana M Karlin
🏪 17 Brunswick Woods Associates Llc

Jeffrey Karlin from Newton Center, MA

0
📍 107 Arnold Rd, Newton Center, MA 02459
📞 (617) 332-4340
👨‍👩‍👧 Relatives: Estelle R Karlin,Martin Robert Karlin

Jeffrey Karlin from Newton Center, MA

📍 107 Arnold Rd
📞 (603) 330-5183, (617) 947-8078

Jeffrey Karlin from Baltimore, MD

Age 60 b. Apr 1966 Baltimore City Co.
📍 7121 Park Heights Ave Unit 301
📞 (410) 764-1491

Jeffrey Karlin from Arvada, CO

Age 46 b. Apr 1980 Jefferson Co.
📍 5156 Youngfield Ct
📞 (303) 424-3590

Jeffrey Karlin from Oakland, CA

Age 79 b. 1947 Male
📍 1033 Clarendon Cres
📞 (510) 839-8562

Jeffrey Karlin from Bethesda, MD

Age 67 b. 1959 Montgomery Co.
📍 6105 Highboro Dr

Jeffrey Karlin from Moraga, CA

Age 71 b. Jan 1955 Contra Costa Co.
📍 135 Donald Dr
👤 aka Esq Jeffrey H, Karlin Jeffrey Harris

Jeffrey Karlin from Arvada, CO

Age 63 b. Mar 1963 Jefferson Co.
📍 6613 Marshall St

Jeffrey Karlin from Iowa City, IA

Age 57 b. Jun 1968 Johnson Co.
📍 5823 Daum

Jeffrey Karlin from Simi Valley, CA

Age 84 b. Nov 1941 Ventura Co.
📍 777 Bennett St

Jeffrey Karlin from Palatine, IL

Age 56 b. Jun 1969 Cook Co.
📍 47 W Helen Rd

Jeffrey Karlin from North Brunswick, NJ

Age 54 b. Oct 1971 Middlesex Co.
📍 54 Albury Wa

Jeffrey Karlin from Baltimore, MD

Age 60 b. Apr 1966 Baltimore City Co.
📍 2705 Maurleen Ct

Jeffrey Karlin from Manchester, NH

Hillsborough Co.
📍 95 Market St
📞 (603) 669-4140

Jeffrey Karlin from Durham, NC

Durham Co.
📍 404 Pennington Cir
📞 (740) 372-7211

Jeffrey Karlin from Newport Beach, CA

Age 36 b. 1990 Male
📍 2628 San Miguel Dr

Jeffrey Karlin from Shaker Heights, OH

Cuyahoga Co.
📍 3706 Gridley Rd

Jeffrey Karlin from Mc Lean, VA

Fairfax Co.
📍 6511 Brawner St

Jeffrey Karlin from Washington, DC

District Of Columbia Co.
📍 1015 33rd St Nw

Jeffrey Karlin from Bethesda, MD

Montgomery Co.
📍 8302 Woodhaven Bl

Jeffrey Karlin from New York, NY

📍 321 W 24th St 2 J

Unknown Person

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 25 contact records for Jeffrey Karlin across 13 states. The most recent address on file is in Newton Center, Massachusetts. Of these records, 10 include phone numbers and 2 include email addresses. Ages range from 42 to 60, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Karlin Jeffrey B

Weld County
· 201 Hawthorn St, Erie-Frederick Co
Assessed: $19,800 · Sale: $165,000 (2012/06/01)

Karlin, Jeffrey S & Dana

Residential Monmouth County
· 5 Silverleaf Way, 07726

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 2 property records linked to Jeffrey Karlin in Erie-Frederick. Values shown are from county assessor records and may differ from current market prices.

Jeffrey Karlin

Unaffiliated
5 Silverleaf Way, Manalapan, 07726
DOB: 10/8/1971
County: Monmouth

Jeffrey Karlin

UAF
13442w 72nd Dr, Arvada, CO, 80005
DOB: 1980 Gender: Male
County: Jefferson

Jeffrey S Karlin

Democrat
8208 Pumpkin Seed Ct, Baltimore, MD, 21208
Gender: Male
County: Baltimore County

Jeffrey S Karlin

Reg: 03537358
29 Newcastle Ave, 16, 11803
DOB: 19711008 Gender: Male

Jeffrey Robert Karlin

Republican Reg: 10/5/2018
3026 NE 33rd Ave, Portland, OR, 97212
DOB: 1/1/1985
County: Multnomah

Jeffrey Rudulph Karlin

Democrat Reg: 1/12/2012
1100 Reddy Ave, Medford, OR, 97504
DOB: 1/1/1941 Ph: (541)821-4837
County: Jackson

Jeffrey S Karlin

Republican Reg: 10/27/2008
842 Meadow Dr, Molalla, OR, 97038
DOB: 1/1/1955
County: Clackamas

Jeffrey L. Karlin

559 Hazel Hill Rd, Townshend, VT

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 8 voter registration records were found for Jeffrey Karlin in Colorado, Maryland, Oregon and 1 other state. Records show affiliations with U, UAF, DEM, REP, which may reflect different individuals or changes over time. 3 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2009 HONDA ACCORD
· Registered to: Jeffrey Karlin
· VIN: 1HGCP26839A038168
·
1033 Clarendon Cres, Oakland, CA, 94610-1805
·
(510) 839-8562
2007 HONDA ACCORD
· Registered to: Jeffrey Karlin
· VIN: 1HGCM66887A070675
·
135 Donald Dr, Moraga, CA, 94556-2334
·
(925) 376-7355
2011 Infiniti QX56
· Registered to: Jeffrey Karlin
· VIN: JN8AZ2NE8B9004200
·
5 Silverleaf Way, Manalapan, NJ, 07726
·
(732) 238-1110
2008 Infiniti QX56
· Registered to: Jeffrey Karlin
· VIN: 5N3AA08C88N910416
·
5 Silverleaf Way, Manalapan, NJ, 07726-3172
·
(732) 238-1110
2008 Honda Pilot
· Registered to: Jeffrey Karlin
· VIN: 5FNYF28718B001282
·
135 Donald Dr, Moraga, CA, 94556-2334
·
(925) 376-7355
2012 Subaru Outback
· Registered to: Jeffrey Karlin
· VIN: 4S4BRDKCXC2269673
·
201 Hawthorn St, Frederick, CO, 80530
·
(303) 200-0943
1974 CHRYSLER
· Registered to: Jeffrey Karlin
· VIN: YM43T4C199390
·
7931 Pierce St, Arvada, CO, 80003
·
(720) 242-8186
2010 Toyota Prius
· Registered to: Jeffrey Karlin
· VIN: JTDKN3DU5A1294533
·
8208 Pumpkin Seed Ct, Pikesville, MD, 21208
·
(410) 484-0217
2005 Honda Accord
· Registered to: Jeffrey Karlin
· VIN: 1HGCM66845A053370
·
135 Donald Dr, Moraga, CA, 94556
·
(925) 376-7355

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 9 vehicle registration records are associated with Jeffrey Karlin. Registered makes include Honda, Infiniti, Subaru, Chrysler and others. 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.

Business Record

+17322381110
East Brunswick,

Pebbles Pub

Owner
(410) 265-7878
Baltimore, MD
Eating and Drinking Establishments (Food)

Jeffrey H Karlin

Partner
(603) 669-4140
Manchester, NH
Legal Services (Services)

Jeffrey Karlin

United States
LinkedIn

Jeffrey L. Karlin

Director & Legal Counsel a

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 9 business affiliations were found for Jeffrey Karlin. Companies include Pebbles Pub, Jeffrey H Karlin. Roles listed include Null and Owner. Records are compiled from state business registries, SEC filings, and professional networking databases.

Jeffrey H. Karlin, A Professional Corporation

Filed: Apr 13, 1988
Registered Agent: Jeffrey H Karlin

Jeffrey H. Karlin, A Professional Corporation

Filed: Apr 13, 1988
CEO: Jeffrey H Karlin

Jeffrey H. Karlin, A Professional Corporation

Addr: 135 Donald Dr, Moraga, CA, 94556
CA
CEO: Jeffrey H Karlin

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

Jeffrey Karlin

Mortgage Loan Originator
Active
License # 100513945
Addr: Chicago, IL

Source: State Professional Licensing Boards · Dept. of Professional Regulation Jeffrey Karlin holds 1 state-issued professional license on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Inventor Record

Jeffrey Karlin - NJ

Source: USPTO Patent Database · U.S. Patent & Trademark Office Jeffrey Karlin 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.

Jeffrey M Karlin

Group Tour
Jun 12, 2012, 08:00 AM
· WH

Source: White House Visitor Logs · Obama Administration Transparency Initiative · NARA Jeffrey Karlin appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

Jeffrey Karlin

Aviation High School - Redondo Beach, CA, CA
1973

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Jeffrey Karlin 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.

$100 Aug 14, 2008
2008 REP
Gatsas, Theodore L
Karlin, Jeffrey Deerfield, NH
$166 Jul 15, 2011
2012
Gray Plant Mooty Mooty & Bennett Independent Pac
Karlin, Jeffrey Gray Plant Mooty N Bethesda, MD
$25 Oct 7, 2018
2018 DEM
Janz, Andrew
Karlin, Jeffrey Not Employed Oakland, CA
$25 Oct 7, 2018
DEM
Janz, Andrew
Contributor Not Employed Oakland, CA
$100
2008 R
Gatsas, Theodore L
Contributor Deerfield, NH

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 5 political contribution records found for Jeffrey Karlin. Total disclosed contributions amount to $416. Recipients include Janz, Andrew, Gatsas, Theodore L. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Jeffrey S Karlin

Age 51 Male
·
8208 Pumpkin Seed Ct, Pikesville, MD 21208 (Baltimore County)
39.3971, -76.7090
· (410) 484-0217
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1964 Purchased 1996
MP

Jeffrey M Karlin

Age 69 Male
·
1033 Clarendon Cres, Oakland, CA 94610 (Alameda County)
37.8122, -122.2280
· (510) 839-8562
TZ: Pacific
Homeowner Single Family Built 1930 Purchased 2006
MP

Jeffrey M Karlin

Age 47 Male
·
1444 28th Ave, Lewiston, ID 83501 (Nez Perce County)
46.3920, -117.0110
· (208) 305-8482
Marital: Single TZ: Pacific
Edu: Graduate School
Homeowner Single Family Built 1965 Purchased 2014
MP

Jeffrey S Karlin

Age 61 Male
·
842 Meadow Dr, Molalla, OR 97038 (Clackamas County)
45.1581, -122.5900
· (971) 222-5783
Marital: Married TZ: Pacific
Edu: High School
Homeowner Single Family Built 2005 Purchased 2006
MP

Jeffrey A Karlin

Age 27 Male
·
24427 Rovendale Ct, Murrieta, CA 92562 (Riverside County)
33.5780, -117.1950
· (951) 760-5528
Marital: Single TZ: Pacific
Homeowner Single Family Built 1988 Purchased 2012
MP

Jeffrey S Karlin

Age 72 Male
·
6511 Brawner St, Mc Lean, VA 22101 (Fairfax County)
38.9313, -77.1691
Marital: Married TZ: Eastern
Single Family
MP

Jeffrey R Karlin

Age 75 Male
·
1100 Reddy Ave, Medford, OR 97504 (Jackson County)
42.3294, -122.8580
Marital: Married TZ: Pacific
Occ: Management Edu: Some College
Single Family
MP

Jeffrey Karlin

Age 45 Male
·
5 Silverleaf Way, Englishtown, NJ 07726 (Monmouth County)
40.3169, -74.3175
Marital: Married TZ: Eastern
Occ: Healthcare Edu: Some College
Homeowner Single Family Built 2005 Purchased 2006
MP

Jeffrey H Karlin

Age 62 Male
·
135 Donald Dr, Moraga, CA 94556 (Contra Costa County)
37.8533, -122.1220
· (925) 376-7355
Marital: Married TZ: Pacific
Occ: Technical Edu: Some College
Homeowner Single Family Built 1957 Purchased 1997

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 9 demographic profiles associated with Jeffrey Karlin. 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 Jeffrey Karlin. These loans were issued to businesses, not individuals.

Wadleigh, Starr & Peters, PLLC

Limited Liability Company(LLC

$673,600 Paid in Full
Address:
95 Market St
Manchester, NH03101-1933
Approved

Apr 7, 2020

Forgiven

$677,623

Jobs Reported

41

Loan #

6982567004

Loan Size

Medium

Wadleigh, Starr & Peters, PLLC

Limited Liability Company(LLC

$1,097,800 Paid in Full
Address:
95 Market St
Manchester, NH03101-1933
Approved

Jan 16, 2021

Forgiven

$1,104,448

Jobs Reported

44

Loan #

1223328310

Loan Size

Medium-Large

Source: SBA PPP Loan Data · CARES Act Public Disclosures 2 PPP loan records are linked to businesses associated with Jeffrey Karlin. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Jeffrey Karlin on the map

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Found 57 results across 16 states

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Jeffrey Karlin in Walnut Creek, CA: Background Summary

Location
2812 Saklan Indian Dr, Walnut Creek Ca, Walnut Creek, CA
Other Locations
Newton Center, MA · Baltimore, MD · Arvada, CO and 14 more
Profiles Found
25 people with this name
Phone Numbers
(510) 839-8562 and 9 others on file
Email
jeff.naomi@sbcglobal.net and 1 other on file
Possible Relatives
Maryweld Karlin, Dana M Karlin, Robert A Karlin, Vincent Cestone, Audrey D Karlin and 3 more
Career
Owner, Director And Legal Counsel at Pebbles Pub, Jeffrey H Karlin
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
9 linked — 2009 Honda Accord, 2007 Honda Accord and 7 more
Contributions
$415.75 total — Gatsas, Theodore L, Janz, Andrew
Licenses
1 professional license (Mortgage Loan Originator)
PPP Loans
$1771K for Wadleigh, Starr & Peters, PLLC, Wadleigh, Starr & Peters, PLLC
White House
1 recorded visit

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 Jeffrey Karlin. Because public records are indexed by name rather than by a unique identifier, the 82 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.

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 — some restrict access or redact certain fields such as date of birth or residential address — 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 — 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.

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 — 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 Jeffrey Karlin

Search Complexity: High

82 public records across 16states, belonging to approximately 25 different individuals. With 25 distinct profiles across 16 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 16 states. Highest concentration: California (18%), followed by Maryland and New Hampshire. Spans the West and Northeast regions.

CA15recordsMD7recordsNH6recordsNJ5recordsOR5recordsMA4records

Record Type Breakdown

Data spans 10 record categories. Largest: Contact & Address Records (44%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Vehicle Registration Records (9) and Business & Corporate Filings (9).

31
Contact & Address Records
9
Vehicle Registration Records
9
Business & Corporate Filings
8
Voter Registration Records
5
Political Contribution Records
3
Corporate Records

Age Distribution

Age range: approximately 43 years, suggesting multiple generations. Largest group: Senior (65+) (36%).

Senior (65+)4peopleMiddle-Age (40-64)7people

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

Frequently Asked Questions About Jeffrey Karlin

Is Jeffrey Karlin a registered voter?
Yes, voter registration records show Jeffrey Karlin is registered with U affiliation. We found 8 voter registration entries across 4 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Jeffrey Karlin own property?
County assessor records show 2 properties associated with Jeffrey Karlin . 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 Jeffrey Karlin?
Records show 9 vehicle registrations associated with Jeffrey Karlin, including a 2009 HONDA ACCORD. Registered makes include Honda, Infiniti, Subaru, Chrysler. 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 Jeffrey Karlin?
We found 9 business affiliations for Jeffrey Karlin (null). Other companies include Jeffrey H Karlin. Business records are compiled from state registries, SEC filings, and professional databases.
Has Jeffrey Karlin made political donations?
FEC disclosure records show 5 reported political contributions from Jeffrey Karlin, totaling $416. Recipients include Janz, Andrew and Gatsas, Theodore L. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Jeffrey Karlin?
Our database contains 82 total records for Jeffrey Karlin spanning 16 states. This includes 25 distinct contact records, 10 with phone numbers, 2 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Jeffrey Karlin?
The 82 records displayed for Jeffrey Karlin 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 Jeffrey Karlin 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.