Joe Urby

Age 37 b. 1988-06-26
๐Ÿ“ 1200 Brookwood Dr Apt 439, Little Rock Ar
๐Ÿ“ž (210) 413-4657, (404) 386-8562
โœ‰๏ธ URBYJOERYAN@YAHOO.COM, urbyjoeryan@yahoo.com, ju551e@att.com

Joe Urby

Age 65 b. 1960-07-14
๐Ÿ“ 15130 Eagle Grove, San Antonio Tx 78232
๐Ÿ“ž (210) 884-9262, (210) 496-1858, (210) 736-9262
โœ‰๏ธ JOE@DEPENDABLEHEALTHSERVICES.COM, joe@dependablehealthservices.com

Joe Urby

Age 37 b. 1988-06-26
๐Ÿ“ # 3, 4216 Bowman Rd, Little Rock Ar
๐Ÿ“ž (210) 413-4657, (404) 386-8562
โœ‰๏ธ URBYJOERYAN@YAHOO.COM, urbyjoeryan@yahoo.com

Joe Urby from San Antonio, TX

Age 54
๐Ÿ“ 4010 Privet Pl, San Antonio, TX 78259
๐Ÿ“ž (210) 379-7910, (210) 496-1858, (830) 665-2242
โœ‰๏ธ jurby@texas.net
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Stacey Kathryn Urby,Juanmanuel Urby
๐Ÿช Elder-Wellness Inc, Elderwellness Inc, Elder-Wellness, Inc, Dependable Health Services, Inc, Dependable Medical Billing, Llc

Joe Urby from San Antonio, TX

Age 77
๐Ÿ“ 17614 Diamond Canyon Dr, San Antonio, TX 78232
๐Ÿ“ž (210) 495-6682, (210) 495-6682, (210) 682-3685, (210) 923-0949, (210) 923-5431, (830) 663-5931
๐Ÿช O K Corral, South Texas Market Place, Bridge To Wellness Management Group, Inc D/b/a Bridge To Wellness

Joe Urby from San Antonio, TX

Male
๐Ÿ“ 17614 Diamond Canyon Dr
๐Ÿ“ž (210) 445-9947 (SPRINT), (210) 495-6682

Joe Urby

๐Ÿ“ 15130 Eagle Grove St, San Antonio Tx 78232
๐Ÿ“ž (210) 884-9262, (210) 736-9262
โœ‰๏ธ JOE@DEPENDABLEHEALTHSERVICES.COM

Joe Urby from Little Rock, AR

Age 38 b. 1988 Male
๐Ÿ“ 4216 Bowman Rd Apt Ph3

Joe Urby from Natalia, TX

Medina Co.
๐Ÿ“ 355 Cr 678 E

Joe Urby from San Antonio, TX

Bexar Co.
๐Ÿ“ 307 Leff Pl

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 10 contact records for Joe Urby across 2 states. The most recent address on file is in San Antonio, Texas. Of these records, 7 include phone numbers and 5 include email addresses. Ages range from 54 to 77, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Urby Joe Jr

Bexar County
· 15130 Eagle Grove St, San-Antonio-North Tx 78232
Built: 1978
Assessed: $226,730

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 1 property record linked to Joe Urby in San-Antonio-North. Values shown are from county assessor records and may differ from current market prices.

2012 Nissan Altima
ยท Registered to: Joe Urby
ยท VIN: 1N4AL2EP7CC218460
·
26042 Indian Clf, San Antonio, TX, 78260
·
(210) 458-2715

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

Dependable Health Services

President CEO
+14806099000jurby@dependablehealth.com
San Antonio,

Joe Ryan Urby

AR/OK Market Communication ยท Little Rock, Arkansas

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 6 business affiliations were found for Joe Urby. Roles listed include President CEO. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: 4047 Stahl Rd Ste 3, San Antonio, TX, 78217
TX
Director: joe LOUIS urby

Joe Urby,

Addr: 15130 Eagle Grove, San Antonio, TX, 78232-3903
TX

Joe Urby,

Addr: 15130 Eagle Grove, San Antonio, TX, 78232-3903
TX

Joe Urby,

Addr: 15130 Eagle Grove, San Antonio, TX, 78232-3903
TX

Wholesale Environmental Distributors, LLC

Addr: 4047 Stahl Rd Ste 3, San Antonio, TX, 78217
TX
Director: Joe Urby

Unknown Corporation

Addr: 909 NE Loop 410 Ste 800, San Antonio, TX, 78209
TX
Officer: Joe Urby

Wholesale Environmental Distributors, LLC

ID: 0800415580
Addr: 4047 Stahl Rd Ste 3, San Antonio, TX, 78217
TX
Director: Joe Louis Urby

Elder-Wellness, INC.

ID: 0156528800
Addr: 4010 Privet Place, San Antonio, TX, 78259
TX
PRESIDENT: Joe Urby

Dependable Home Health Care, INC.

ID: 0132373300
Director: Joe Urby

Dependable Health Services, INC.

ID: 0140468400
Addr: 15130 Eagle Grove, San Antonio, TX, 78232
TX
PRESIDENT: Joe Urby

Elder-Wellness, INC.

ID: 0156528800
Addr: 4010 Privet Place, San Antonio, TX, 78259
TX
Director: Joe Urby

Dependable Medical Billing, LLC

ID: 0800808536
Addr: 4010 Privet Place, San Antonio, TX, 78259
TX
Manager: Joe L. Urby

Dependable Home Health Care, INC.

ID: 0132373300
VP: Joe Urby

Dependable American Hosptital Services II, LLC

ID: 0801561269
Addr: 909 NE Loop 410 Ste 800, San Antonio, TX, 78209
TX
MEMBER: Joe Urby

Dependable Health Services, INC.

ID: 0140468400
Addr: 15130 Eagle Grove, San Antonio, TX, 78232
TX
DIRECTOR: Joe Urby

Unknown Corporation

PRESIDENT: Joe Urby

Source: Public Records Joe Urby appears in 16 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$80 Jan 20, 2017
2018 REP
Trump, Donald J
Urby, Joe Ceo @ Dependable Health Services San Antonio, SC
$3 Dec 18, 2012
2012 DEM
Democratic Congressional Campaign Committee
Urby, Joe Research Award Administrator @ Utsa San Antonio, TX
-$80 Jan 20, 2017
2016 REP
Trump, Donald J
Urby, Joe Ceo @ Dependable Health Services San Antonio, SC
$30 Dec 31, 2016
2016
At&t INC. Federal Political Action Committee (at&t Federal Pac)
Urby, Joe R Sales Communications Lead @ At&t Mobility Services LLC Little Rock, AR
$80 Nov 12, 2016
2016 REP
Trump, Donald J
Urby, Joe Ceo @ Dependable Health Services San Antonio, SC
$15 Oct 19, 2016
2016
At&t INC. Federal Political Action Committee (at&t Federal Pac)
Urby, Joe R Sales Communications Lead @ At&t Mobility Services LLC Little Rock, AR
$500 Dec 10, 1996
1998 DEM
Sharp, John
Urby, Joe Natalia, TX
$30 Sep 30, 2016
2016
At&t INC. Federal Political Action Committee (at&t Federal Pac)
Urby, Joe R Sales Communications Lead @ At&t Mobility Services LLC Little Rock, AR
$25 Feb 19, 2002
2002 DEM
Villarreal, Mike
Urby, Joe L San Antonio, TX
$80 Nov 12, 2016
2018 328
Trump, Donald J
Urby, Joe Ceo @ Dependable Health Services San Antonio, SC
$30 Sep 30, 2016
At&t INC. Federal Political Action Committee (at&t Federal Pac)
Contributor Sales Communications Lead @ At&t Mobility Services LLC Little Rock, AR
$30 Sep 30, 2016
Unknown Committee
Urby, Joe R Sales Communications Lead @ At&t Mobility Services LLC Little Rock, AR

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 12 political contribution records found for Joe Urby. Total disclosed contributions amount to $903. Recipients include At&t INC. Federal Political Action Committee (at&t Federal Pac). Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Joe L Urby

Age 57 Male
·
13630 Dutch Myrtle, San Antonio, TX 78232 (Bexar County)
29.5664, -98.4732
· (210) 379-7910
Marital: Married TZ: Central
Single Family
MP

Joe Urby

Male
·
15130 Eagle Grove St, San Antonio, TX 78232 (Bexar County)
29.5804, -98.4577
TZ: Central
Homeowner Single Family Built 1978 Purchased 2013
MP

Joe L Urby

Age 80 Male
·
17614 Diamond Canyon Dr, San Antonio, TX 78232 (Bexar County)
29.6010, -98.4592
· (210) 495-6682
Marital: Married TZ: Central
Edu: Graduate School
Homeowner Single Family Built 1994 Purchased 1997

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 3 demographic profiles associated with Joe Urby. 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 Joe Urby. These loans were issued to businesses, not individuals.

Malaise Law Firm

Sole Proprietorship

$193,723 Exemption 4
Address:
909 NE Loop 410 Ste 300
San Antonio, TX78209-1315
Approved

Feb 11, 2021

Forgiven

$196,769

Jobs Reported

18

Loan #

6950518405

Loan Size

Medium

Gregory R Bowen Dds PA

Subchapter S Corporation

$42,500 Paid in Full
Address:
909 NE Loop 410 Ste 703
San Antonio, TX78209-1303
Approved

Feb 27, 2021

Forgiven

$42,700

Jobs Reported

4

Loan #

5481818501

Loan Size

Small

Accutech Consultantsllc

Limited Liability Company(LLC

$81,437 Paid in Full
Address:
909 NE Loop 410 Ste 900
San Antonio, TX78209-1311
Approved

Apr 14, 2021

Forgiven

$81,708

Jobs Reported

6

Loan #

3311758810

Loan Size

Small

Accutech Consultants, LLC

Limited Liability Company(LLC

$87,800 Paid in Full
Address:
909 NE LOOP 410 Suite 900
San Antonio, TX78209-1311
Approved

Apr 28, 2020

Forgiven

$88,763

Jobs Reported

6

Loan #

8103347208

Loan Size

Small

Schuhmacher Beer Co INC

Corporation

$140,807 Paid in Full
Address:
909 NE Loop 410 Ste 720
San Antonio, TX78209-1303
Approved

Mar 31, 2021

Forgiven

$141,660

Jobs Reported

7

Loan #

3940238701

Loan Size

Small

Carolyn King Lcsw, Lmft, Bcd

Sole Proprietorship

$4,032 Paid in Full
Address:
909 NE Loop 410 730
San Antonio, TX78209
Approved

Apr 27, 2020

Forgiven

$4,061

Jobs Reported

1

Loan #

5567117203

Loan Size

Small

Dhs Consulting INC

Subchapter S Corporation

$81,100 Paid in Full
Address:
909 NE Loop 410 Ste 800
San Antonio, TX78209-1311
Approved

Mar 12, 2021

Forgiven

$81,370

Jobs Reported

25

Loan #

9177338503

Loan Size

Small

Public Alliance, LLC

Limited Liability Company(LLC

$126,700 Paid in Full
Address:
909 NE Loop 410 Ste 340
San Antonio, TX78209-1301
Approved

Apr 14, 2020

Forgiven

$127,894

Jobs Reported

8

Loan #

5740907100

Loan Size

Small

Thru Tubing Downhole Solutions CORP

Corporation

$50,320 Paid in Full
Address:
909 NE Loop 410 Ste 901
San Antonio, TX78209-1311
Approved

May 1, 2020

Forgiven

$51,027

Jobs Reported

9

Loan #

5534707708

Loan Size

Small

Malaise Law Firm

Sole Proprietorship

$180,200 Paid in Full
Address:
909 NE LOOP 410 Ste. 300
San Antonio, TX78209-1315
Approved

Apr 15, 2020

Forgiven

$182,758

Jobs Reported

22

Loan #

9016767103

Loan Size

Medium

Santex Capital LLC

Limited Liability Company(LLC

$63,600 Paid in Full
Address:
909 NE Loop 410 Ste 902
San Antonio, TX78209-1311
Approved

Feb 2, 2021

Forgiven

$63,938

Jobs Reported

6

Loan #

1937288400

Loan Size

Small

Gregory R Bowen Dds PA

Subchapter S Corporation

$42,500 Paid in Full
Address:
909 NE LOOP 410 Suite 703
San Antonio, TX78209-1303
Approved

Apr 30, 2020

Forgiven

$42,910

Jobs Reported

5

Loan #

5711137302

Loan Size

Small

Dulaney Exterior Solutions, LTD.

Limited Liability Partnership

$35,100 Paid in Full
Address:
4047 STAHL RD ste 4
San Antonio, TX78217-1670
Approved

Apr 16, 2020

Forgiven

$35,357

Jobs Reported

5

Loan #

2824147210

Loan Size

Small

Schuhmacher Beer Co INC

Corporation

$140,807 Paid in Full
Address:
909 NE Loop 410 Ste 720
San Antonio, TX78209-1303
Approved

May 1, 2020

Forgiven

$142,570

Jobs Reported

7

Loan #

5906727705

Loan Size

Small

Collins Title Company INC

Corporation

$130,805 Paid in Full
Address:
909 NE Loop 410 Ste 101
San Antonio, TX78209-1315
Approved

Feb 24, 2021

Forgiven

$131,299

Jobs Reported

8

Loan #

3968998501

Loan Size

Small

Jason Tyson

Sole Proprietorship

$125,000 Paid in Full
Address:
909 NE Loop 410 Ste 901
San Antonio, TX78209-1311
Approved

Jan 20, 2021

Forgiven

$126,175

Jobs Reported

8

Loan #

1958058302

Loan Size

Small

Dulaney Exterior Solutions, LTD

Limited Liability Partnership

$42,932 Paid in Full
Address:
4047 Stahl Rd Ste 4
San Antonio, TX78217-1670
Approved

Feb 3, 2021

Forgiven

$43,194

Jobs Reported

5

Loan #

2091148404

Loan Size

Small

Bentex Enterprise LLC

Limited Liability Company(LLC

$30,300 Paid in Full
Address:
4047 Stahl Rd Ste 2
San Antonio, TX78217-1670
Approved

Jan 30, 2021

Forgiven

$30,505

Jobs Reported

2

Loan #

9431248300

Loan Size

Small

M&m Tax Law & Paralegal Services

Sole Proprietorship

$93,750 Paid in Full
Address:
909 NE Loop 410 Ste 707
San Antonio, TX78209-1303
Approved

May 27, 2021

Forgiven

$94,081

Jobs Reported

8

Loan #

8552869002

Loan Size

Small

Thru Tubing Downhole Solutions CORP

Corporation

$94,362 Paid in Full
Address:
909 NE Loop 410 Ste 901
San Antonio, TX78209-1311
Approved

Feb 10, 2021

Forgiven

$95,231

Jobs Reported

8

Loan #

6048378406

Loan Size

Small

Collins Title Company, INC.

Corporation

$130,600 Paid in Full
Address:
909 NE LOOP 410 Suite 101
San Antonio, TX78209-1301
Approved

Apr 13, 2020

Forgiven

$131,580

Jobs Reported

8

Loan #

4438417100

Loan Size

Small

Carolyn King

Sole Proprietorship

$5,926 Paid in Full
Address:
909 NE Loop 410 Ste 730
San Antonio, TX78209-1303
Approved

Mar 13, 2021

Forgiven

$5,961

Jobs Reported

1

Loan #

1743278606

Loan Size

Small

Santex Capital LLC

Limited Liability Company(LLC

$63,600 Paid in Full
Address:
909 NE Loop 410 Ste 902
San Antonio, TX78209-1311
Approved

Apr 30, 2020

Forgiven

$64,358

Jobs Reported

6

Loan #

5272827305

Loan Size

Small

Dulaney Management LLC

Limited Liability Company(LLC

$26,665 Paid in Full
Address:
4047 Stahl Rd Ste 4
San Antonio, TX78217-1670
Approved

Jan 28, 2021

Forgiven

$26,767

Jobs Reported

5

Loan #

7943208304

Loan Size

Small

Dye Enterprises

Sole Proprietorship

$38,200 Paid in Full
Address:
4047 Stahl Rd Ste 3
San Antonio, TX78217-1607
Approved

Apr 10, 2020

Forgiven

$31,405

Jobs Reported

7

Loan #

1890067105

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 25 PPP loan records are linked to businesses associated with Joe Urby. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Joe Urby on the map

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4
27

Joe Urby in Little Rock, AR: Background Summary

Location
1200 Brookwood Dr Apt 439, Little Rock Ar, Little Rock, AR
Other Locations
San Antonio, TX ยท Little Rock, AR ยท Natalia, TX
Profiles Found
10 people with this name
Phone Numbers
(210) 413-4657 and 7 others on file
Email
urbyjoeryan@yahoo.com and 3 others on file
Possible Relatives
Stacey Kathryn Urby, Juanmanuel Urby, Rodolfo Morales Urby, Justin R Urby, Sandra Elizabeth Urby and 5 more
Career
President CEO
Properties
1property owned
Vehicles
1 linked โ€” 2012 Nissan Altima
Contributions
$903 total โ€” At&t INC. Federal Political Action Committee (at&t Federal Pac)
PPP Loans
$2053K for Malaise Law Firm, Gregory R Bowen Dds PA

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 Joe Urby. Because public records are indexed by name rather than by a unique identifier, the 81 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.

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 Joe Urby

Search Complexity: Moderate

81 public records across 2states, belonging to approximately 10 different individuals. There are 10 distinct profiles in the results. Using the state filter or checking age and address details will help identify the correct individual.

For this search, the Political Contribution Records section may be most helpful for disambiguation because these records include employer and occupation, which are strong distinguishing fields.

Geographic Distribution

Records are concentrated across 2 states. Highest concentration: Texas (33%), followed by Arkansas. Concentrated in the South.

TX27recordsAR4records

Record Type Breakdown

Data spans 7 record categories. Largest: PPP Loan Records (32%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (17) and Corporate Records (16).

25
PPP Loan Records
17
Contact & Address Records
16
Corporate Records
12
Political Contribution Records
6
Business & Corporate Filings
1
Property Ownership Records

Age Distribution

Age range: approximately 39 years, suggesting multiple generations. Largest group: Senior (65+) (50%).

Senior (65+)2peopleMiddle-Age (40-64)1personYounger Adult (25-39)1person

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

Frequently Asked Questions About Joe Urby

Does Joe Urby own property?
County assessor records show 1 property associated with Joe Urby . 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 Joe Urby?
Records show 1 vehicle registration associated with Joe Urby, including a 2012 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 Joe Urby?
We found 6 business affiliations for Joe Urby (President CEO). Business records are compiled from state registries, SEC filings, and professional databases.
Has Joe Urby made political donations?
FEC disclosure records show 12 reported political contributions from Joe Urby, totaling $903. Recipients include At&t INC. Federal Political Action Committee (at&t Federal Pac). Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Joe Urby?
Our database contains 81 total records for Joe Urby spanning 2 states. This includes 10 distinct contact records, 7 with phone numbers, 5 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 Joe Urby?
The 81 records displayed for Joe Urby 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 Joe Urby 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.