John Magann from Waialua, HI

Age 84 b. 1942 Male
๐Ÿ“ 66-112 Oliana Pl
๐Ÿ“ž (808) 637-6547 (Cell)
โœ‰๏ธ johnmagann@ameritrade.com

John Magann from Cherry Hill, NJ

Age 88 b. Apr 1937
๐Ÿ“ 115 Sunnybrook Rd
๐Ÿ“ž (856) 429-1628, (856) 906-4954
๐Ÿ‘ค aka F Magann John

John Magann from Cherry Hill, NJ

Age 75
๐Ÿ“ 107 Cherry Parke #b, Cherry Hill, NJ 08002
๐Ÿ“ž (856) 795-7720, (856) 297-4981, (856) 429-1628, (856) 795-7720
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Jeffrey W Magann,Audrey F Windesheim,Jeffrey W Magann,Gregory J Magann

John Magann from Largo, FL

Age 98
๐Ÿ“ 12620 138th St, Largo, FL 33774
๐Ÿ“ž (727) 535-9080, (813) 535-9080, (813) 536-2174, (813) 442-4242
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Hazel M Magann,Hazel Lee Magann,Lee H Magann,Charles L Magann

John Magann from Lynchburg, VA

Age 73 b. Sep 1952 Lynchburg City Co.
๐Ÿ“ 210 Maple Hills Dr
๐Ÿ“ž (434) 239-8618

John Magann from Murrells Inlet, SC

Age 62 b. 1964 Georgetown Co.
๐Ÿ“ 510 S Creekside Dr
๐Ÿ“ž (843) 651-2780

John Magann from Cherry Hill, NJ

Age 88 b. Apr 1937 Camden Co.
๐Ÿ“ 84 C Waterford Apt S
๐Ÿ‘ค aka F Magann John

John Magann from Folcroft, PA

Age 59 b. 1967 Delaware Co.
๐Ÿ“ 2046 Valley View Dr

John Magann from Conway, NH

๐Ÿ“ Forbes Dr
๐Ÿ“ž (773) 907-9819

John Magann from Lynchburg, VA

Lynchburg City Co.
๐Ÿ“ 320 Warren Ave

John Magann from Darby, PA

Delaware Co.
๐Ÿ“ 485 Westmont Dr

John Magann from Largo, FL

๐Ÿ“ 1001 Starkey Rd 779

John Magann from Clearwater, FL

Pinellas Co.
๐Ÿ“ 526 S Keene Rd

John Magann from Honolulu, HI

Honolulu Co.
๐Ÿ“ 740 7th Ave Apt A

John Magann from Darby, PA

Delaware Co.
๐Ÿ“ 240 Roberta Ave Fl 2 Nd

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 15 contact records for John Magann across 7 states. The most recent address on file is in Waialua, Hawaii. Of these records, 7 include phone numbers and 1 include email addresses. Ages range from 75 to 98, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Magann John

Delaware County
PIN: 34-20-605:000
· 714 Columbus Ct, Nether Providence Township pa
Assessed: $56,870

Magann John H

Georgetown County
· 5139 Wesley Rd, Waccamaw-Neck

Magann, John F & Joan F

Residential Camden County
· 115 Sunnybrook Road, 08034

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 3 property records linked to John Magann in Waccamaw-Neck. Values shown are from county assessor records and may differ from current market prices.

John W Magann

Unaffiliated
30 W Judith Dr, Hammonton, 08037
DOB: 3/18/1967
County: Camden

John William Magann

Republican Reg: 03/11/2010
615 7th Ave, Folsom, PA, 19033
DOB: 03/18/1967

John W Magann

Republican Reg: 07/01/1996
223 Park Dr, Downingtown, PA, 19335
DOB: 05/16/1940 Gender: Male

John R Magann

Democrat
12 Flanders Ln, 9, 10567
DOB: 19890301 Gender: Male

John William Magann

615 7th Ave
DOB: 03/18/1967

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 5 voter registration records were found for John Magann in Pennsylvania. Records show affiliations with U, R, DEM, which may reflect different individuals or changes over time. 2 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 CR-V
ยท Registered to: John Magann
ยท VIN: 5J6RE38799L029837
·
250 Southern Breezes Cir, Murrells Inlet, SC, 29576-9390
·
(843) 458-1571
2011 Nissan Pathfinder
ยท Registered to: John Magann
ยท VIN: 5N1AR1NN3BC613084
·
510 S Creekside Dr, Murrells Inlet, SC, 29576-9390
·
(843) 458-1571
2008 NISSAN ARMADA
ยท Registered to: John Magann
ยท VIN: 5N1AA08D78N629564
·
250 Southern Breezes Cir, Murrells Inlet, SC, 29576-9390
·
(843) 458-1571

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with John Magann. Registered makes include Honda, Nissan. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

John Magann Realty

Owner
(610) 269-7426jmagann@localnet.com
Downingtown, PA
Real Estate (Housing)

John Magann

Managing Director
Avc
Ireland Events Services

Kinecta Federal Credit Union

John MagannHuman Resources Executive
jmagann@comcast.net
115 Sunnybrook Rd, Cherry Hill, NJ8034
kinectacreditunion.org

John John Magann

United States

Palmer's Garden & Goods

John MagannSales Customer
jmagann@comcast.net
115 Sunnybrook Rd, Cherry Hill, NJ8034

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 9 business affiliations were found for John Magann. Companies include John Magann Realty, Avc, Palmer's Garden & Goods. Roles listed include Human Resources Executive and Sales Customer. Records are compiled from state business registries, SEC filings, and professional networking databases.

John Magann

Cert. Residential Real Property Appr

john magann

Cert. Residential Real Property Appr
Expired
Addr: Downingtown, PA

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation John Magann holds 2 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

John Magann

Edgewood Regional High School - Atco, NJ, NJ
1985

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases John Magann 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.

$336 Mar 25, 2008
2008 DEM
Obama, Barack
Magann, John Retiree @ Self Employed Waialua, HI
$50 Jan 1, 2017
2018 DEM
Sanders, Bernard
Magann, John Security Officer @ Securities Security Service Waialua, HI
$25 Apr 12, 2016
2016 DEM
Ellison, Keith Maurice
Magann, John Security Officer @ Securities Security Service Waialua, HI
$250 Sep 8, 2019
2020 DEM
Sanders, Bernard
Magann, John Security @ Securitas Security Services Waialua, HI
$250 Feb 21, 2019
2020 DEM
Sanders, Bernard
Magann, John Security Officer @ Securities Security Service Waialua, HI
$25 May 25, 2016
2016 DEM
Ellison, Keith Maurice
Magann, John Security Officer @ Securities Security Service Waialua, HI
$30 Apr 5, 2015
2016
Americans For Responsible Solutions Pac
Magann, John Security Officer @ Securities Security Service Waialua, HI
$250 Oct 2, 2019
2020 DEM
Sanders, Bernard
Magann, John Security Officer @ Securities Security Service Waialua, HI
$50 Dec 14, 2015
2016 DEM
Sanders, Bernard
Magann, John Waialua, HI
$25 Jul 25, 2016
2016 DEM
Ellison, Keith Maurice
Magann, John Security Officer @ Securities Security Service Waialua, HI
$50 May 11, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$25 Aug 25, 2016
2016 DEM
Ellison, Keith Maurice
Magann, John Security Officer @ Securities Security Service Waialua, HI
$25 Dec 10, 2016
2016 DEM
Ellison, Keith Maurice
Magann, John Security Officer @ Securities Security Service Waialua, HI
$50 Apr 22, 2020
2020 DEM
Biden, Joe
Magann, John Not Employed Waialua, HI
$3 Apr 12, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$250 Sep 14, 2015
2016 DEM
Sanders, Bernard
Magann, John Security @ Securities Security Hawaii Waialua, HI
$5 Dec 18, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$800 Mar 25, 2008
2008 DEM
Obama, Barack
Magann, John Retiree @ Self Employed Waialua, HI
$25 Feb 20, 2016
2016 DEM
Grayson, Alan Mark
Magann, John Security Officer @ Securities Security Service Waialua, HI
$10 Feb 15, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$250 Aug 20, 2015
2016 DEM
Sanders, Bernard
Magann, John Security @ Securities Security Hawaii Waialua, HI
$125 Sep 8, 2019
2020 DEM
Sanders, Bernard
Magann, John Security Officer @ Securities Security Service Waialua, HI
$25 Jan 18, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$3 Jul 25, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$10 May 5, 2015
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$25 Jul 13, 2016
2016 DEM
Franken, Al
Magann, John Security Officer @ Securities Security Service Waialua, HI
$250 Mar 13, 2019
2020 DEM
Sanders, Bernard
Magann, John Security Officer @ Securities Security Service Waialua, HI
$25 Jun 25, 2016
2016 DEM
Ellison, Keith Maurice
Magann, John Security Officer @ Securities Security Service Waialua, HI
$5 Jul 2, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$500 May 11, 2016
2016 DEM
Sanders, Bernard
Magann, John Security Officer @ Securities Security Service Waialua, HI
$336 Mar 25, 2008
2008 DEM
Obama, Barack
Magann, John Retiree @ Self Employed Waialua, HI
$100 Nov 15, 2015
2016 DEM
Sanders, Bernard
Magann, John Security Officer @ Securities Security Service Waialua, HI
$3 Aug 25, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$25 Nov 19, 2016
2016 DEM
Ellison, Keith Maurice
Magann, John Security Officer @ Securities Security Service Waialua, HI
$100 Sep 30, 1998
1998 REP
Lingle, Linda (g)
Magann, John Waialua, HI
$3 May 25, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$50 Feb 21, 2019
2020 DEM
Hirono, Mazie K.
Magann, John Security Officer @ Securities Security Service Waialua, HI
$50 Jul 2, 2016
2016 DEM
Sanders, Bernard
Magann, John Security Officer @ Securities Security Service Waialua, HI
$250 Mar 13, 2019
2020 DEM
Sanders, Bernard
Magann, John Security Officer @ Securities Security Service Waialua, HI
$500 May 11, 2016
2016 DEM
Sanders, Bernard
Magann, John Security Officer @ Securities Security Service Waialua, HI
$5 Jun 16, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$100 Oct 15, 2003
2004 REP
Zulick, Arthur
Magann, John D Christy And Judith A Stroudsburg, PA
$50 Jan 17, 2017
2018 DEM
Ellison, Keith Maurice
Magann, John Security Officer @ Securities Security Service Waialua, HI
$50 Nov 1, 2020
2020
Biden Victory Fund
Magann, John Security Officer @ Securities Security Service Waialua, HI
-$30 May 6, 2015
2016
Americans For Responsible Solutions Pac
Magann, John Waialua, HI
$5 Jul 13, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$50 Apr 22, 2020
2020 DEM
Biden, Joe
Magann, John Not Employed Waialua, HI
$50 Dec 12, 2015
2016 DEM
Sanders, Bernard
Magann, John Security Officer @ Securities Security Service Waialua, HI
$50 Nov 14, 2020
2020 DEM
Bush, Cori
Magann, John Security Officer @ Securities Security Service Waialua, HI
$3 Feb 29, 2016
2016 DEM
Actblue
Magann, John Security Officer @ Securities Security Service Waialua, HI
$10 Feb 15, 2016
DEM
Actblue
Contributor Security Officer @ Securities Security Service Waialua, HI
$500 Oct 16, 2019
Unknown Committee
Magann, John Security @ Securitas Security Services Waialua, HI

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 52 political contribution records found for John Magann. Total disclosed contributions amount to $6,040. Recipients include Actblue. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

John Magann

Male
·
473 Douglas Dr, West Chester, PA 19380 (Chester County)
39.9987, -75.6286
TZ: Eastern
Homeowner Single Family Built 1974 Purchased 2014
MP

John W Magann

Age 77 Male
·
223 Park Dr, Downingtown, PA 19335 (Chester County)
40.0033, -75.7422
· (610) 269-0188
Marital: Married TZ: Eastern
Occ: White Collar Edu: High School
Homeowner Single Family Built 1986 Purchased 2005
MP

John G Magann

Age 64 Male
·
210 Maple Hills Dr, Lynchburg, VA 24502 (Lynchburg City County)
37.3838, -79.2390
· (276) 326-1569
Marital: Married TZ: Eastern
Occ: White Collar Edu: High School
Homeowner Single Family Built 1978 Purchased 1999
MP

John F Magann

Age 80 Male
·
12906 Dulaney Valley Rd, Glen Arm, MD 21057 (Baltimore County)
39.4823, -76.5307
· (856) 429-1628
Marital: Married TZ: Eastern
Single Family
MP

John R Magann

Age 28 Male
·
12 Flanders Ln, Cortlandt Mnr, NY 10567 (Westchester County)
41.2522, -73.9002
· (661) 733-3862
Marital: Married TZ: Eastern
Homeowner Single Family Purchased 2006
MP

John M Magann

Age 74 Male
·
66-112 Oliana Pl, Waialua, HI 96791 (Honolulu County)
21.5754, -158.1100
· (808) 637-6547
Marital: Married TZ: Hawaii
Edu: Some College
Homeowner Single Family Built 1981 Purchased 1980

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 6 demographic profiles associated with John Magann. 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 Magann. These loans were issued to businesses, not individuals.

Cubeyond, LLC

$16,800 Paid in Full
Address:
223 Park Dr
Approved

May 14, 2020

Forgiven

$16,924

Loan #

6243787410

Loan Size

Small

Cubeyond LLC

Limited Liability Company(LLC

$19,863 Paid in Full
Address:
223 Park Dr
Downingtown, PA19335-2118
Approved

Jan 30, 2021

Forgiven

$20,090

Jobs Reported

4

Loan #

8773198304

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 2 PPP loan records are linked to businesses associated with John Magann. 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 Magann on the map

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John Magann in Cherry Hill, NJ: Background Summary

Location
115 Sunnybrook Rd, Cherry Hill, NJ 08034
Other Locations
Waialua, HI ยท Lynchburg, VA ยท Murrells Inlet, SC and 7 more
Profiles Found
15 people with this name
Phone Numbers
(808) 637-6547 and 7 others on file
Email
johnmagann@ameritrade.com
Possible Relatives
Jeffrey W Magann, Audrey F Windesheim, Gregory J Magann, Hazel M Magann, Hazel Lee Magann and 2 more
Career
Human Resources Executive, Sales Customer at John Magann Realty, Avc
Voter Registration
Registered Republican
Properties
2properties owned
Vehicles
3 linked โ€” 2009 Honda Cr-V, 2011 Nissan Pathfinder and 1 more
Contributions
$6,040.1 total โ€” Actblue
Licenses
2 professional licenses (Cert. Residential Real Property Appr)
PPP Loans
$53,462.5 for Cubeyond, LLC, Cubeyond, LLC

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 Magann. Because public records are indexed by name rather than by a unique identifier, the 101 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 Magann

Search Complexity: High

101 public records across 9states, belonging to approximately 15 different individuals. With 15 distinct profiles across 9 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 9 states. Highest concentration: Pennsylvania (11%), followed by New Jersey and Hawaii. Spans the Northeast and South regions.

PA11recordsNJ10recordsHI6recordsSC4recordsFL3recordsVA3records

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (55%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (17) and Business & Corporate Filings (9).

52
Political Contribution Records
17
Contact & Address Records
9
Business & Corporate Filings
5
Voter Registration Records
3
Property Ownership Records
3
Vehicle Registration Records

Age Distribution

Age range: approximately 39 years, suggesting multiple generations. Largest group: Senior (65+) (67%).

Senior (65+)4peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About John Magann

Is John Magann a registered voter?
Yes, voter registration records show John Magann is registered with U affiliation. We found 5 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does John Magann own property?
County assessor records show 3 properties associated with John Magann . 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 Magann?
Records show 3 vehicle registrations associated with John Magann, including a 2009 HONDA CR-V. Registered makes include Honda, Nissan. 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 Magann?
We found 9 business affiliations for John Magann, including John Magann Realty. Other companies include avc, Palmer's Garden & Goods. Business records are compiled from state registries, SEC filings, and professional databases.
Has John Magann made political donations?
FEC disclosure records show 52 reported political contributions from John Magann, totaling $6,040. Recipients include Actblue. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for John Magann?
Our database contains 101 total records for John Magann spanning 9 states. This includes 15 distinct contact records, 7 with phone numbers, 1 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 Magann?
The 101 records displayed for John Magann 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 Magann 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.