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Jon Kerns

Age 64 b. 1961-12-12
📍 1409 9th St, Onawa Ia
📞 (417) 773-9470, (417) 766-4767
✉️ JONKERNS1@GMAIL.COM, jonkerns1@gmail.com

Jon Kerns

Age 62 b. 1964-03-22
📍 5707 Paseo Blvd, Kansas City Mo
📞 (816) 769-0226, (816) 769-0227
✉️ JONKERNS@ME.COM

Jon Kerns

Age 64 b. 1961-12-12
📍 544 W Hines St, Republic Mo 65738
📞 (417) 773-9470, (417) 766-4767
✉️ JONKERNS1@GMAIL.COM

Jon Kerns

Age 67 b. 1958-06-22
📍 3010 Napoleon Rd, Fremont Oh
📞 (419) 307-0682, (419) 307-0682
✉️ JK622@SBCGLOBAL.NET

Jon Kerns from Ocala, FL

Age 78 b. May 1947 Marion Co.
📍 9805 Sw 74th St
📞 (712) 243-1481, (712) 301-3254

Jon Kerns from Lake City, MI

Age 65 b. Dec 1960 Missaukee Co.
📍 290 N Al Moses Rd
📞 (231) 839-2339, (616) 839-2339

Jon Kerns from Miami Beach, FL

Age 59 b. Nov 1966 Miami Dade Co.
📍 1610 Pennsylvania Ave 1
📞 (660) 429-2908
👤 aka Jon Arnis Kerns

Jon Kerns from Hamshire, TX

Age 62 b. Feb 1964 Jefferson Co.
📍 Po Box 658
📞 (409) 243-2387

Jon Kerns from Fremont, OH

Age 67 b. Jun 1958 Sandusky Co.
📍 3000 Napoleon Rd
📞 (419) 332-6376

Jon Kerns from Oelwein, IA

Age 61 b. Dec 1964 Fayette Co.
📍 20885 40th St
📞 (319) 283-5363

Jon Kerns from Kansas City, MO

Age 62 b. 1964 Jackson Co.
📍 5707 Paseo Blvd
📞 (816) 822-0534

Jon Kerns from Clarksburg, WV

Age 79 b. Sep 1946 Harrison Co.
📍 2106 Hamill Ave
📞 (304) 622-4862

Jon Kerns from Fairmont, WV

Age 79 b. Nov 1946 Marion Co.
📍 1379 Airport Rd
📞 (304) 368-1555

Jon Kerns from Dayton, OH

Age 54 b. Jun 1971 Montgomery Co.
📍 333 Patterson Rd
📞 (937) 534-0491

Jon Kerns from Carmel, IN

Age 58 b. Feb 1968 Hamilton Co.
📍 25 Ewing Ct C
📞 (317) 848-7946

Jon Kerns

📍 3000 Napoleon Rd, Fremont Oh
📞 (419) 307-0682
✉️ JK622@SBCGLOBAL.NET

Jon Kerns from Honolulu, HI

Male
📍 837 Po Box
📞 (808) 232-6761 (T-MOBILE)

Jon Kerns from Atlantic, IA

Age 78 b. May 1947 Cass Co.
📍 1209 Sunnyside Ln

Jon Kerns from Las Vegas, NV

Age 67 b. Sep 1958 Clark Co.
📍 5717 Grand Entries Dr

Jon Kerns from Mesa, AZ

Age 54 b. Dec 1971 Maricopa Co.
📍 2354 W Uninversity 2223

Jon Kerns from Overland Park, KS

Age 61 b. Sep 1964 Johnson Co.
📍 10144 W 84th St 93

Jon Kerns from Kismet, KS

Age 62 b. Feb 1964 Seward Co.
📍 607 Don St

Jon Kerns from Lake City, MI

Age 45 b. Oct 1980 Missaukee Co.
📍 240 N Al Moses Rd
👤 aka Kerns Jon K, Kerns Jon Karl

Jon Kerns from San Jose, CA

Age 85 b. Sep 1940 Santa Clara Co.
📍 1023 Prouty Wa

Jon Kerns from San Jose, CA

Age 85 b. Sep 1940 Santa Clara Co.
📍 1023 Prouty Way

Jon Kerns from Council Bluffs, IA

Pottawattamie Co.
📍 923 27th Ave
📞 (712) 352-0118

Jon Kerns from Plantersville, TX

Grimes Co.
📍 11721 W Hollyhill Dr
📞 (936) 894-2126

Jon Kerns from Lake City, MI

Missaukee Co.
📍 290 N Al Moses Rd 290

Jon Kerns from New Phila, OH

Tuscarawas Co.
📍 111 2nd St Sw

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 29 contact records for Jon Kerns across 13 states. The most recent address on file is in Ocala, Florida. Of these records, 19 include phone numbers and 5 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Kerns Jon E

Marion County
PIN: 3489-500-037
· 9805 SW 74th St, Ocala 34481
Value: $147,491

Kerns Jon E Tr

Marion County
· 9805 SW 74th St, Fellowship 34481.0
Built: 2008.0
Assessed: $171,350 · Sale: $100 (2017/01/01)

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

Jon Kerns

NOP Reg: 03/04/2002
53 N 2nd St, St Clair, PA, 17970
DOB: 11/23/1983 Gender: Male

Jon Ersal Kerns

9805 SW 74th St, Ocala, , 34481

Jon Kerns

53 N 2nd St
DOB: 11/23/1983 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 3 voter registration records were found for Jon Kerns in Pennsylvania, . Party affiliation is listed as NOP. 1 registration is currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2007 PONTIAC TORRENT
· Registered to: Jon Kerns
· VIN: 2CKDL63FX76038955
·
9805 SW 74th St, Ocala, FL, 34481
·
(352) 854-0473
1999
· Registered to: Jon Kerns
· VIN: 1G8LACNK4WA029041
·
20885 40th St, Oelwein, IA, 50662
·
(319) 283-5363
2010 Mazda MX-5 Miata
· Registered to: Jon Kerns
· VIN: JM1NC2FFXA0207968
·
125 Ewing Ct, Carmel, IN, 46032-5324
· Registered to: Jon Kerns
· VIN: RC052005027
·
20885 40th St, Oelwein, IA, 50662
·
(319) 283-5363
2014 Infiniti Q50
· Registered to: Jon Kerns
· VIN: JN1BV7AR3EM681046
·
333 Patterson Rd, Dayton, OH, 45419
·
(937) 534-0491
2005 Chevrolet Suburban
· Registered to: Jon Kerns
· VIN: 3GNFK16Z05G130578
·
218 Highway Y, Eldon, MO, 65026
·
(660) 773-6602
1997 CHEVROLET TAHOE K1500 FULL SIZE UTILITY
· Registered to: Jon Kerns
· VIN: 1GNEK13R9VJ412264
·
290 N Al Moses Rd, Lake City, MI, 49651
2008 Ford Edge
· Registered to: Jon Kerns
· VIN: 2FMDK49C48BA43505
·
20885 40th St, Oelwein, IA, 50662-9326
·
(319) 283-5363
2007 VOLKSWAGEN JETTA CAR LOWER MIDSIZE
· Registered to: Jon Kerns
· VIN: 3VWXJ71K67M053536
·
125 Ewing Ct, Carmel, IN, 46032
2013 VOLKSWAGEN GOLF R
· Registered to: Jon Kerns
· VIN: WVWPF7AJ2DW060037
·
125 Ewing Ct, Carmel, IN, 46032
2008 PONTIAC SOLSTICE ROADSTER
· Registered to: Jon Kerns
· VIN: 1G2MG35XX8Y118577
·
20885 40th St, Oelwein, IA, 50662
·
(319) 283-5363
2004 AUDI S4 4DR SEDAN
· Registered to: Jon Kerns
· VIN: WAUPL68E54A266149
·
125 Ewing Ct, Carmel, IN, 46032
1981 CHEVROLET CORVETTE COUPE
· Registered to: Jon Kerns
· VIN: 1G1AY8767B5106739
·
607 Don St, Kismet, KS, 67859
· Registered to: Jon Kerns
·
20885 40th St, Oelwein, IA, 50662
·
(319) 283-5363

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 14 vehicle registration records are associated with Jon Kerns. Registered makes include Pontiac, Mazda, Infiniti, Chevrolet and others. The most recent model year on record is 2014. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Better World Books

Director Global Sales Planning And Analysis
jkerns@betterworldbooks.com
Indianapolis,
LinkedIn

Jons Garage Door Service

Principal
(712) 243-1481
Atlantic, IA
Automotive Services, Parking and Repair (Automotive)

Jon Kerns

Maintanance Technician At University Plaza Hotel
University Plaza Hotel
Republic, Missouri, United States Hospitality
LinkedIn

Jon Kerns

Maintanance Technician At University Plaza Hotel
University Plaza Hotel
Missouri
LinkedIn

Missouri Department Of Transportation

Jon KernsFacilities Manager
(660) 385-6359jkerns@msb.k12.mo.us
Macon, MO

Jon Kerns

Director, Data Manage · Indianapolis, Indiana Area

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 17 business affiliations were found for Jon Kerns. Companies include Jons Garage Door Service, University Plaza Hotel, Missouri Department Of Transportation. Roles listed include Director Global Sales Planning And Analysis and Director Data Management. Records are compiled from state business registries, SEC filings, and professional networking databases.

Jon C Kerns

Addr: Oelwein, IA, 50662
Registered Agent: Jon C Kerns

Jon Kerns

Addr: 20885 40th St., Oelwein, IA, 50662
IA

Jon Kerns

Addr: 20885 40th St., Oelwein, IA, 50662
IA

Jon Kerns

Addr: 20885 40th St., Oelwein, IA, 50662
IA

Kerns, Jon

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Jon Kerns

Addr: 20885 40th St., Oelwein, IA, 50662
IA

Jon Kerns

Addr: 20885 40th St., Oelwein, IA, 50662
IA

Jon Kerns

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Kerns, Jon

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Jon Kerns

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Kerns, Jon

Addr: , Fairbank, IA, 50629
IA

Jon Kerns

Addr: 20885 40th St., Oelwein, IA, 50662
IA

Kerns, Jon

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Kerns, Jon

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Kerns, Jon

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Jon Kerns

Addr: 20885 40th St., Oelwein, IA, 50662
IA

Kerns, Jon

Addr: , Fairbank, IA, 50629
IA

Jon Kerns

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Kerns, Jon

Addr: , Fairbank, IA, 50629
IA

Kerns, Jon

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Kerns, Jon

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Kerns, Jon

Addr: , Fairbank, IA, 50629
IA

Jon Kerns

Addr: 20885 40th St., Oelwein, IA, 50662
IA

Jon Kerns

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Kerns, Jon

Addr: 20885 40th St, Oelwein, IA, 50662
IA

Jon D Kerns

Addr: 218 Highway Y, Eldon, MO, 65026
MO

Jon C Kerns

Addr: 20885 40th St, Oelwein, IA, 50662
IA
Agent: Jon C Kerns

Unknown Corporation

ID: 1910113
Officer: Jon Kerns

Source: Public Records Jon Kerns appears in 28 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

jon Scott kerns

Expired
License # 17738
Addr: Richmond, CA

Jon Kerns

DR
Expired
Addr: Richmond, CA

Source: State Professional Licensing Boards · Dept. of Professional Regulation Jon Kerns 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.

Jon E Kerns

Feb 14, 2014, 10:30 AM
· Meeting with: White House Staff
· WH

Source: White House Visitor Logs · Obama Administration Transparency Initiative · NARA Jon Kerns 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.

$4 Jan 31, 2008
2008
Uaw Michigan V Pac
Kerns, Jon Jr Lake City, MI
$10 Oct 14, 2008
2008
Uaw Michigan V Pac
Kerns, Jon Jr Lake City, MI
$10 Oct 14, 2008
Uaw Michigan V Pac
Contributor Lake City, MI

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 3 political contribution records found for Jon Kerns. Total disclosed contributions amount to $24. Recipients include Uaw Michigan V Pac. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Jon E Kerns

Age 70 Male
·
9805 SW 74th St, Ocala, FL 34481 (Marion County)
29.1174, -82.2748
· (712) 301-3254
Marital: Married TZ: Eastern
Occ: White Collar Edu: Some College
Homeowner Single Family Built 2008 Purchased 2008
MP

Jon D Kerns

Age 55 Male
·
1409 9th St, Onawa, IA 51040 (Monona County)
42.0210, -96.0959
Marital: Single TZ: Central
Edu: Some College
Homeowner Single Family Built 1960 Purchased 2001
MP

Jon Kerns

Male
·
3941 Holmes St, Kansas City, MO 64110 (Jackson County)
39.0554, -94.5768
TZ: Central
Single Family
MP

Jon C Kerns

Age 52 Male
·
20885 40th St, Oelwein, IA 50662 (Fayette County)
42.6858, -92.0010
· (319) 350-8782
Marital: Married TZ: Central
Occ: Service Industry
Homeowner Single Family Built 1958 Purchased 2014
MP

Jon Kerns

Age 55 Male
·
PO Box 891, Magnolia, TX 77353 (Montgomery County)
30.2089, -95.7556
Marital: Inferred Single TZ: Central
Homeowner Single Family Built 2004
MP

Jon R Kerns

Age 59 Male
·
3000 Napoleon Rd, Fremont, OH 43420 (Sandusky County)
41.3494, -83.1639
· (419) 344-7651
Marital: Married TZ: Eastern
Homeowner Single Family Built 1948 Purchased 2004

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

Kerns Dairy Farms, INC.

Corporation

$12,500 Paid in Full
Address:
20885 40th St
Oelwein, IA50662-9326
Approved

Jul 22, 2020

Forgiven

$12,559

Jobs Reported

2

Loan #

6798898103

Loan Size

Small

Jon Kerns

Sole Proprietorship

$2,395 Paid in Full
Address:
20885 40th St
Oelwein, IA50662-9326
Approved

Jan 21, 2021

Forgiven

$2,406

Jobs Reported

1

Loan #

2948058303

Loan Size

Small

Salon Systems LLC

Limited Liability Company(LLC

$4,277 Paid in Full
Address:
53 N 2nd St
Philadelphia, PA19106-2215
Approved

Mar 3, 2021

Forgiven

$4,300

Jobs Reported

4

Loan #

6413528500

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 3 PPP loan records are linked to businesses associated with Jon Kerns. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Jon Kerns on the map

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Found 82 results across 15 states

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Jon Kerns in Onawa, IA: Background Summary

Location
1409 9th St, Onawa Ia, Onawa, IA
Other Locations
Ocala, FL · Lake City, MI · Miami Beach, FL and 18 more
Profiles Found
29 people with this name
Phone Numbers
(417) 773-9470 and 20 others on file
Email
jonkerns1@gmail.com and 2 others on file
Career
Director Global Sales Planning And Analysis, Director Data Management at Jons Garage Door Service, University Plaza Hotel
Voter Registration
Registered NOP
Properties
1property owned
Vehicles
14 linked — 2007 Pontiac Torrent, 1999 and 12 more
Contributions
$24 total — Uaw Michigan V Pac
Licenses
2 professional licenses (DR)
PPP Loans
$19,172 for Kerns Dairy Farms, INC., Jon Kerns
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 Jon Kerns. Because public records are indexed by name rather than by a unique identifier, the 118 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.

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 Jon Kerns

Search Complexity: High

118 public records across 15states, belonging to approximately 29 different individuals. With 29 distinct profiles across 15 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 15 states. Highest concentration: Iowa (31%), followed by Michigan and Missouri. Spans the Midwest and South regions.

IA37recordsMI7recordsMO6recordsOH6recordsFL5recordsCA4records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (35%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Corporate Records (28) and Business & Corporate Filings (17).

39
Contact & Address Records
28
Corporate Records
17
Business & Corporate Filings
14
Vehicle Registration Records
3
Voter Registration Records
3
Political Contribution Records

Age Distribution

Age range: approximately 40 years, suggesting multiple generations. Largest group: Senior (65+) (55%).

Senior (65+)6peopleMiddle-Age (40-64)5people

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

Frequently Asked Questions About Jon Kerns

Is Jon Kerns a registered voter?
Yes, voter registration records show Jon Kerns is registered in Pennsylvania with NOP affiliation. We found 3 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Jon Kerns own property?
County assessor records show 2 properties associated with Jon Kerns . 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 Jon Kerns?
Records show 14 vehicle registrations associated with Jon Kerns, including a 2007 PONTIAC TORRENT. Registered makes include Pontiac, Mazda, Infiniti, 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 Jon Kerns?
We found 17 business affiliations for Jon Kerns (Director Global Sales Planning And Analysis). Other companies include university plaza hotel, Missouri Department Of Transportation. Business records are compiled from state registries, SEC filings, and professional databases.
Has Jon Kerns made political donations?
FEC disclosure records show 3 reported political contributions from Jon Kerns, totaling $24. Recipients include Uaw Michigan V Pac. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Jon Kerns?
Our database contains 118 total records for Jon Kerns spanning 15 states. This includes 29 distinct contact records, 19 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 Jon Kerns?
The 118 records displayed for Jon Kerns 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 Jon Kerns 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.