John Beman

Age 73 b. 1952-04-13
๐Ÿ“ 26932 Aldeano, Misn Viejo Ca 92691
๐Ÿ“ž (949) 436-3473, (714) 381-8080
โœ‰๏ธ JHBHUDSON@EARTHLINK.NET, jhbhudson@earthlink.net

John W Beman

Age 84 b. 1941-10-14
๐Ÿ“ 525 Pine Ln, Los Altos Ca
๐Ÿ“ž (650) 941-6793, (650) 353-0489
โœ‰๏ธ JOHNWBEMAN@GMAIL.COM

John Beman

๐Ÿ“ 1360 Foxworth Rd, Chipley Fl
๐Ÿ“ž (850) 596-5407, (850) 625-0861
โœ‰๏ธ STRIKER4X4@YAHOO.COM

John Beman

Age 65 b. 1960-06-28
๐Ÿ“ 985 Grazing Meadows Ct, Lincolnton Nc
๐Ÿ“ž (630) 742-9433
โœ‰๏ธ JDBEMAN985@GMAIL.COM

John Beman from San Clemente, CA

Age 68
๐Ÿ“ 306 Ave De Las, San Clemente, CA 92672
๐Ÿ“ž (949) 492-5404, (949) 492-5404
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Richard G Beman,William P Beman,Ann Elizabeth Beman,John Bjr Beman,Deborah D Beman

John Beman from Chipley, FL

Age 47
๐Ÿ“ 1360 Foxworth Rd #a, Chipley, FL 32428
๐Ÿ“ž (850) 415-1757, (228) 539-0484, (850) 638-5552, (850) 638-5552, (850) 415-1757, (228) 539-0484, (989) 631-5908, (850) 457-3346, (850) 482-5425

John Beman from Marianna, FL

Age 58 b. Jun 1967 Jackson Co.
๐Ÿ“ 4760 Highway 90
๐Ÿ“ž (281) 438-4574, (770) 483-2544
๐Ÿ‘ค aka John D Deman

John Beman from Placerville, CA

Age 39 b. Jun 1986
๐Ÿ“ 6762 Claim St
๐Ÿ“ž (704) 748-2635, (630) 466-1488
๐Ÿ‘ค aka John David Reeman, John D Berman

John Beman from Sebring, FL

Age 87
๐Ÿ“ 4105 Us Highway 27 #81, Sebring, FL 33870
๐Ÿ“ž (863) 382-2354, (863) 385-2354, (863) 382-2354, (417) 277-5890, (305) 769-9235, (417) 934-6890
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Elizabeth L Beman

John Beman

๐Ÿ“ 1939 W 30th St, Lorain Oh
๐Ÿ“ž (714) 381-8080, (800) 295-5363
โœ‰๏ธ JHBHUDSON@EARTHLINK.NET

John Beman from Zephyrhills, FL

Age 99 b. Sep 1926 Pasco Co.
๐Ÿ“ 3619 Muller Dr
๐Ÿ“ž (813) 495-1329

John Beman from Los Altos, CA

Age 84 b. Oct 1941 Santa Clara Co.
๐Ÿ“ 525 Pine Ln
๐Ÿ“ž (650) 941-6793

John Beman from Mission Viejo, CA

Age 73 b. Apr 1952 Orange Co.
๐Ÿ“ 26932 Aldeano Dr
๐Ÿ“ž (949) 587-1665

John Beman from Houston, TX

Age 109 b. Apr 1916 Harris Co.
๐Ÿ“ 4415 Lymbar Dr
๐Ÿ“ž (713) 729-3444

John Beman from Evansville, IN

Age 64 b. Jun 1961 Vanderburgh Co.
๐Ÿ“ 15250 Mccutchan Rd
๐Ÿ“ž (812) 867-3403

John Beman from New Hyde Park, NY

0
๐Ÿ“ 501 7th St, New Hyde Park, NY 11040
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Carolyn Jane Beman

John Beman from Los Altos, CA

Age 84 b. Oct 1941 Santa Clara Co.
๐Ÿ“ 464 Cavalier Ct

John Beman from Evansville, IN

Age 83 b. Apr 1942 Vanderburgh Co.
๐Ÿ“ 2601 Sw Wight Dr

John Beman from West Plains, MO

Age 98 b. Jul 1927 Howell Co.
๐Ÿ“ 7437 County Road 1940

John Beman from Mountain View, MO

Age 98 b. Jul 1927 Howell Co.
๐Ÿ“ 200 Buddy Ln

John Beman from Miami, FL

Age 100 b. Sep 1925 Miami Dade Co.
๐Ÿ“ 1070 Nw 145th Ter

John Beman from Lake Wales, FL

Age 101 b. 1925 Male
๐Ÿ“ 606 Lory Ln
๐Ÿ’ผ 2710
๐Ÿ“ž (863) 657-0962

John Beman from Pensacola, FL

Escambia Co.
๐Ÿ“ 3274 Las Brisas Dr

John Beman from San Marino, CA

Los Angeles Co.
๐Ÿ“ 2175 Chaucer Rd

John Beman from Wayland, NY

Steuben Co.
๐Ÿ“ Rr 415

John Beman from Pittsburgh, PA

Allegheny Co.
๐Ÿ“ 1619 Meadville St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 28 contact records for John Beman across 8 states. The most recent address on file is in Marianna, Florida. Of these records, 18 include phone numbers and 7 include email addresses. Ages range from 47 to 87, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Beman John C & Joanne L

Pasco County
PIN: 212623004000A000810
· 3619 Muller Dr, Zephyrhills 33540
Value: $34,050

Beman John C & Joanne L

Pasco County
· 3619 Muller Drive, Zephyrhills 33540.0
Built: 1979.0
Assessed: $45,301

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

John Lawrence Beman

606 Lory Ln, Lake Wales, , 33859

john DAVID beman

Unaffiliated Reg: 04/12/2011
985 Grazing Meadows Ct, Lincolnton, NC, 28092
DOB: 1960 Gender: Male
County: Lincoln

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for John Beman in , North Carolina. Party affiliation is listed as UNA. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2008 DODGE RAM PICKUP 1500
ยท Registered to: John Beman
ยท VIN: 1D7HU18N38S543183
·
606 Lory Ln, Lake Wales, FL, 33859-6449
·
(863) 678-0962
2003 SATURN ION CAR BASIC ECONOMY
ยท Registered to: John Beman
ยท VIN: 1G8AG52F13Z158422
·
985 Grazing Meadows Ct, Lincolnton, NC, 28092
·
(704) 748-2635
2007 Dodge Caravan
ยท Registered to: John Beman
ยท VIN: 2D4GP44L97R265802
·
3619 Muller Dr, Zephyrhills, FL, 33540
·
(813) 495-1329
2003 CHEVROLET VENTURE VAN
ยท Registered to: John Beman
ยท VIN: 1GNDX03E63D125173
·
3619 Muller Dr, Zephyrhills, FL, 33540
·
(813) 783-3946

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 4 vehicle registration records are associated with John Beman. Registered makes include Dodge, Saturn, Chevrolet. 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.

Easyreverselending.com

+11949587167jhbhudson@earthlink.net
Mission Viejo,

Association Of The Los Altos Historical

John BemanTreasurer
Los Altos, CA

John Beman

Vice President Marketing And Manager And Trainer
American First Lending CORP
Parma Heights, Ohio, United States Financial Services

John Beman

Vice President Marketing And Manager And Trainer
American First Lending CORP

El Pollo Loco

John BemanInternational Accreditation Specialist
clawz@safeaccess.com
232 Bastian Dr, Sugar Grove, IL60554
elpolloloco.com

El Pollo Loco

John BemanInternational Accreditation Specialist
clawz@safeaccess.com
232 Bastian Dr, Sugar Grove, IL60554

El Pollo Loco

John BemanInternational Accreditation Specialist
clawz@safeaccess.com
232 Bastian Dr, Sugar Grove, IL60554

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 9 business affiliations were found for John Beman. Companies include American First Lending CORP, El Pollo Loco. Roles listed include Null and Treasurer. Records are compiled from state business registries, SEC filings, and professional networking databases.

American First Lending Corporation

Filed: Apr 28, 2011
Registered Agent: John Beman

Source: Public Records John Beman appears in 1 corporate filing from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$75 Sep 7, 2012
2012 DEM
Obama, Barack
Beman, John Professor @ University Of California Oakland, CA
$500 Jul 19, 1981
1982 UNK
Pennzoil Political Action Committee
Beman, John B Jr Pennzoil San Marino, CA
$500 Jul 10, 1980
1980 UNK
Pennzoil Political Action Committee
Beman, John B Jr Pennzoil Co San Marino, CA
$100 Oct 20, 2008
2008 DEM
Obama, Barack
Beman, John Assistant Researcher @ University Of Hawaii Los Altos, CA
$500 Sep 13, 2020
2020 DEM
Biden, Joe
Beman, John Not Employed Los Altos, CA
$500 Jan 27, 2023
2024 DEM
Schiff, Adam
Beman, John Not Employed Los Altos, CA
$250 Feb 7, 2018
2018 DEM
Dnc Services CORP./Dem. Nat L Committee
Beman, John Retired @ University Of California Los Altos, CA
$100 Mar 4, 2012
2012 DEM
Obama, Barack
Beman, John Professor @ University Of California Oakland, CA
$250 Jun 3, 2014
2014 DEM
Dnc Services Corporation/Democratic National Committee
Beman, John Retired @ University Of California Los Altos, CA
$250 Sep 3, 2012
2012 DEM
Obama, Barack
Beman, John Retired Los Altos, CA
$500 Aug 26, 2000
2000 REP
Hostettler, John Nathan
Beman, John Welborn Clinic Evansville, IN
$100 Aug 10, 2012
2012 DEM
Obama, Barack
Beman, John Professor @ University Of California Oakland, CA
$50 Oct 31, 2012
2012 DEM
Obama, Barack
Beman, John Professor @ University Of California Oakland, CA
$250 Oct 2, 2020
2020 DEM
Schiff, Adam
Beman, John Not Employed Los Altos, CA
$500 Apr 19, 1982
1982 UNK
Pennzoil Political Action Committee
Beman, John B Jr Pennzoil San Marino, CA
$250 Mar 4, 2020
2020 DEM
Dnc Services CORP./Dem. Nat L Committee
Beman, John Not Employed Los Altos, CA
$500 Sep 13, 2020
2020 DEM
Biden, Joe
Beman, John Not Employed Los Altos, CA
$250 Jul 30, 1996
1996
Nrccc Nonfederal Account
Beman, John W Physician Evansville, IN
$30 Oct 21, 2008
2008 DEM
Obama, Barack
Beman, John Assistant Researcher @ University Of Hawaii Los Altos, CA
$56 Oct 17, 2012
2012 DEM
Obama, Barack
Beman, John Professor @ University Of California Oakland, CA
$200 Mar 8, 2012
2012 DEM
Obama, Barack
Beman, John Assistant Researcher @ University Of Hawaii Los Altos, CA
$30 Sep 30, 2008
2008 DEM
Obama, Barack
Beman, John Assistant Researcher @ University Of Hawaii Santa Monica, CA
$250 Nov 8, 2017
2018 DEM
Dnc Services CORP./Dem. Nat L Committee
Beman, John Retired @ University Of California Los Altos, CA
$200 Dec 16, 2011
2012 DEM
Obama, Barack
Beman, John Assistant Researcher @ University Of Hawaii Los Altos, CA
$500 Oct 11, 1979
1980 UNK
Pennzoil Political Action Committee
Beman, John B Jr San Marino, CA
$250 Feb 28, 2020
2020 DEM
Dnc Services CORP./Dem. Nat L Committee
Beman, John Not Employed Los Altos, CA
$250 Jun 3, 2014
DEM
Dnc Services Corporation/Democratic National Committee
Contributor Retired @ University Of California Los Altos, CA
$500 Sep 13, 2020
Unknown Committee
Beman, John Not Employed Los Altos, CA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 28 political contribution records found for John Beman. Total disclosed contributions amount to $7,691. Recipients include Dnc Services Corporation/Democratic National Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

John L Beman

Age 90 Male
·
606 Lory Ln, Lake Wales, FL 33859 (Polk County)
27.8675, -81.5782
· (863) 678-0962
Marital: Single TZ: Eastern
Homeowner Single Family
MP

John D Beman

Age 50 Male
·
1360A Foxworth Rd, Chipley, FL 32428 (Washington County)
30.7459, -85.5165
· (850) 625-0861
Marital: Married TZ: Central
Occ: Professional Edu: High School
Homeowner Multi-Family Built 2007
MP

John Beman

Male
·
525 Pine Ln, Los Altos, CA 94022 (Santa Clara County)
37.3666, -122.1370
TZ: Pacific
MP

John H Beman

Age 65 Male
·
4920 Ivanhoe Ave, Sheffield Lk, OH 44054 (Lorain County)
41.4870, -82.0879
· (714) 381-8080
Marital: Single TZ: Eastern
Occ: White Collar Edu: Some College
Single Family
MP

John W Beman

Age 75 Male
·
2601 Night Sun Dr, Evansville, IN 47725 (Vanderburgh County)
38.1166, -87.5160
· (812) 319-7152
Marital: Married TZ: Central
Occ: Healthcare
Homeowner Single Family Purchased 2007
MP

John D Beman

Male
·
985 Grazing Meadows Ct, Lincolnton, NC 28092 (Lincoln County)
35.4951, -81.2237
· (630) 546-4877
TZ: Eastern
Homeowner Single Family Built 2006 Purchased 2011
MP

John C Beman

Age 90 Male
·
3619 Muller Dr, Zephyrhills, FL 33540 (Pasco County)
28.2100, -82.1819
· (813) 783-3946
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family Built 1979

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

Deanna Tarr

Independent Contractors

$11,163 Paid in Full
Address:
620 Sand Hill Rd Apt 425D
Palo Alto, CA94304-2604
Approved

Apr 2, 2021

Forgiven

$11,210

Jobs Reported

1

Loan #

5331878709

Loan Size

Small

Charles T Miller

Sole Proprietorship

$20,833 Paid in Full
Address:
620 Sand Hill Rd
Caledonia, NY14423-9521
Approved

Mar 27, 2021

Forgiven

$20,957

Jobs Reported

1

Loan #

1586448702

Loan Size

Small

Deanna Tarr

Independent Contractors

$11,163 Exemption 4
Address:
620 Sand Hill Rd Apt 425D
Palo Alto, CA94304-2604
Approved

Apr 22, 2021

Jobs Reported

1

Loan #

7746048806

Loan Size

Small

Richard Flood

Sole Proprietorship

$20,832 Paid in Full
Address:
4105 US Highway 27 S Lot 87
Sebring, FL33870-5516
Approved

Apr 29, 2021

Forgiven

$20,929

Jobs Reported

1

Loan #

5286668901

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 4 PPP loan records are linked to businesses associated with John Beman. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find John Beman on the map

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John Beman in Misn Viejo, CA: Background Summary

Location
26932 Aldeano, Misn Viejo Ca 92691, Misn Viejo, CA
Other Locations
Marianna, FL ยท Placerville, CA ยท Zephyrhills, FL and 12 more
Profiles Found
28 people with this name
Phone Numbers
(630) 746-1364 and 22 others on file
Email
jbeman@aol.com and 8 others on file
Possible Relatives
Carolyn Jane Beman, Carolyn Beman, Ms Darlene B Haynes, Diane L Beman, Jacob A Beman and 77 more
Career
Treasurer, International Accreditation Specialist at American First Lending CORP, El Pollo Loco
Voter Registration
Registered No Party Preference
Properties
1property owned
Vehicles
4 linked โ€” 2008 Dodge Ram Pickup 1500, 2003 Saturn Ion and 2 more
Contributions
$7,691 total โ€” Dnc Services Corporation/Democratic National Committee
PPP Loans
$63,991.32 for Deanna Tarr, Charles T Miller

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 John Beman. Because public records are indexed by name rather than by a unique identifier, the 93 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 John Beman

Search Complexity: High

93 public records across 11states, belonging to approximately 28 different individuals. With 28 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 Political Contribution Records section may be most helpful for disambiguation because these records include employer and occupation, which are strong distinguishing fields.

Geographic Distribution

Records are widely distributed across 11 states. Highest concentration: Florida (16%), followed by California and Illinois. Spans the South and West regions.

FL15recordsCA13recordsIL6recordsNC4recordsIN3recordsNY2records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (42%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (28) and Business & Corporate Filings (9).

36
Contact & Address Records
28
Political Contribution Records
9
Business & Corporate Filings
4
Vehicle Registration Records
4
PPP Loan Records
2
Property Ownership Records

Age Distribution

Age range: approximately 70 years, suggesting multiple generations. Largest group: Senior (65+) (79%).

Senior (65+)11peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About John Beman

Is John Beman a registered voter?
Yes, voter registration records show John Beman is registered in . We found 2 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does John Beman own property?
County assessor records show 2 properties associated with John Beman . 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 John Beman?
Records show 4 vehicle registrations associated with John Beman, including a 2008 DODGE RAM PICKUP 1500. Registered makes include Dodge, Saturn, Chevrolet. 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 John Beman?
We found 9 business affiliations for John Beman (null). Other companies include El Pollo Loco. Business records are compiled from state registries, SEC filings, and professional databases.
Has John Beman made political donations?
FEC disclosure records show 28 reported political contributions from John Beman, totaling $7,691. Recipients include Dnc Services Corporation/Democratic National Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for John Beman?
Our database contains 93 total records for John Beman spanning 11 states. This includes 28 distinct contact records, 18 with phone numbers, 7 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 John Beman?
The 93 records displayed for John Beman 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 John Beman 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.