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Joseph Naas from Erlanger, KY

Age 54 b. May 1971 Kenton Co.
📍 882 Ashridge Ct
📞 (859) 282-6785, (859) 621-8235
✉️ jnaas@aol.com

Joseph Naas from Erlanger, KY

Age 43
📍 882 Ashridge Ct, Erlanger, KY 41018
📞 (859) 282-6785, (859) 363-9098, (859) 266-6181, (859) 282-6785, (859) 363-9098, (859) 621-8235, (252) 444-8645, (757) 473-8723, (606) 363-9098
✉️ jmnaas@yahoo.com, jmnaas1@msn.com
👨‍👩‍👧 Relatives: Julie E Johnson
🏪 Naas Family Dentistry

Joseph Naas from Verona, KY

Age 55 b. 1971 Male
📍 1115 Maddox Ln
📞 (859) 391-4223 (Cell), (859) 363-9200
✉️ jmnaas@fuse.net

Joseph Naas from Township Of Washington, NJ

Age 79
📍 650 Kennedy Dr, Township Of Washington, NJ 07676
📞 (201) 666-3085, (201) 664-1620, (551) 265-1758, (201) 488-7150
👨‍👩‍👧 Relatives: Joyce M Reilly,Joseph I Naas,Giordano Barbara Naas,Janinde Naas,Stephen Thomas Naas,Joyce M Naas

Joseph Naas

📍 2955 Loebs Ct, Mt Pleasant Sc
📞 (843) 452-4860, (843) 300-5478
✉️ JOENAAS@HOTMAIL.COM

Joseph Naas from Dayton, OH

Age 110 b. Dec 1915 Montgomery Co.
📍 151 Church St
📞 (513) 253-7469

Joseph Naas from Fair Lawn, NJ

Age 66 b. 1960 Bergen Co.
📍 23-09 Dorchester Rd
📞 (201) 703-1602

Joseph Naas from Southampton, NY

Age 69 b. Mar 1957 Suffolk Co.
📍 56 Hills Station Rd
📞 (631) 204-9005

Joseph Naas from Plant City, FL

Age 69 b. Jul 1956 Hillsborough Co.
📍 1407 Plantation Cir Apt 306
📞 (713) 664-7768

Joseph Naas

📍 1115 Maddox Ln, Verona Ky
📞 (859) 391-4223, (859) 391-4223
✉️ JMNAAS@FUSE.NET

Joseph Naas from East Hartford, CT

Age 79 b. Jan 1947 Hartford Co.
📍 417 Main St

Joseph Naas from Westwood, NJ

Age 91 b. Jan 1935 Bergen Co.
📍 221 Pond Te

Joseph Naas from Lexington, KY

Age 53 b. Sep 1972 Fayette Co.
📍 3530 Creekwood Dr 3

Joseph Naas from Cleveland, OH

Age 61 b. Sep 1964 Cuyahoga Co.
📍 13700 Fairhill Rd 3 F

Joseph Naas from Hackensack, NJ

0
📍 10 Sussex St, Hackensack, NJ 07601

Joseph Naas from Radcliff, KY

0
📍 1451 Hill St #2, Radcliff, KY 40160

Joseph Naas from Sparks, MD

Baltimore Co.
📍 16 Rainflower Path Unit 302

Joseph Naas from New York, NY

New York Co.
📍 20 Park Ave

Joseph Naas from Baldwinsville, NY

Onondaga Co.
📍 822 Fairway Ci

Joseph Naas from Ridgefield, NJ

📍 912 Maple Ave

Joseph Naas

📍 69 451 Nssg 80 Asg Cmr Po Box 69

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 21 contact records for Joseph Naas across 7 states. The most recent address on file is in Erlanger, Kentucky. Of these records, 10 include phone numbers and 5 include email addresses. Ages range from 43 to 79, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Naas Joseph

Boone County
PIN: 078.00-05-001.00
· 1115 Maddox Ln
Lot: 513,187sqft

Naas Joseph

Boone County
· 1115 Maddox Ln, Walton

Naas, Joseph & Natalie A

Residential Bergen County
· 23-09 Dorchester Rd, 074102938

Joseph E Naas

2023 Onondaga County
· 4355 Heritage, Clay

Joseph E Naas

2021 Onondaga County
· 4355 Heritage, Clay

Joseph E Naas

2022 Onondaga County
· 4355 Heritage, Clay

Joseph E Naas

2024 Onondaga County
· 4355 Heritage, Clay

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 7 property records linked to Joseph Naas in Walton. Values shown are from county assessor records and may differ from current market prices.

Joseph Naas

Waynesboro, 30830
DOB: 1/1/1988 Gender: Male
Congress: 012

Joseph Naas

Republican
23 Dorchester Rd, Fair Lawn, 07410
DOB: 4/5/1960
County: Bergen

Joseph Naas

Republican
831sable Blvd, Aurora, CO, 80011
DOB: 1988 Gender: Male
County: Arapahoe

Joseph Maxwell Naas

14853 Spruce Pine Ln, Clermont, , 34711

Joseph J Naas

Democrat
56 Hills Station Rd, 2, 11968
DOB: 19570325 Gender: Male

Joseph E Naas

Republican
7352 Westgate Ln, 4, 13090
DOB: 19700420 Gender: Male

Joseph E Naas

Reg: I98188
7352 Westgate Ln, 4, 13090
DOB: 19700420 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 7 voter registration records were found for Joseph Naas in Colorado, . Records show affiliations with R, REP, DEM, which may reflect different individuals or changes over time. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2009 Kia Borrego
· Registered to: Joseph Naas
· VIN: KNDJH742395030322
·
1115 Maddox Ln, Verona, KY, 41092-8253
2010 FORD ESCAPE
· Registered to: Joseph Naas
· VIN: 1FMCU9D77AKB18996
·
30 Park Ave Apt 10E, New York, NY, 10016-3835
2005 Chevrolet Suburban
· Registered to: Joseph Naas
· VIN: 3GNFK16Z15G235078
·
9750 Wolf Creek Pike, Dayton, OH, 45426
·
(937) 837-1949
2013 Kia Optima
· Registered to: Joseph Naas
· VIN: 5XXGR4A65DG234900
·
1115 Maddox Ln, Verona, KY, 41092-8253
·
(859) 363-9200
2012 HONDA ODYSSEY
· Registered to: Joseph Naas
· VIN: 5FNRL5H92CB049060
·
1115 Maddox Ln, Verona, KY, 41092-8253
·
(859) 363-9200
2017 NISSAN ARMADA
· Registered to: Joseph Naas
· VIN: JN8AY2NC4H9501299
·
1115 Maddox Ln, Verona, KY, 41092
·
(859) 621-8235
2004 Acura TL
· Registered to: Joseph Naas
· VIN: 19UUA66244A055496
·
1115 Maddox Ln, Verona, KY, 41092
·
(859) 363-9200
2004 JEEP GRAND CHEROKEE WAGON
· Registered to: Joseph Naas
· VIN: 1J8GW68J04C342929
·
650 Kennedy Dr, Twp Washinton, NJ, 07676
2011 Volkswagen CC
· Registered to: Joseph Naas
· VIN: WVWMP7AN9BE721116
·
650 Kennedy Dr, Township Of Washington, NJ, 07676-4103
·
(201) 739-6532

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 9 vehicle registration records are associated with Joseph Naas. Registered makes include Kia, Ford, Chevrolet, Honda and others. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

University System of Maryland

Marketing Analytical Manager
+18008888682jnaas@faculty.ed.umuc.edu
Hyattsville,

XYZ Total Home

President
xyz18@aol.com
New York, NY
Furnishing, Equipment and Home Furniture Stores (Stores)

Joseph Naas

Basel, Basel-City, Switzerland Internet
LinkedIn

Joseph J. Naas

Greater New York City Area

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 6 business affiliations were found for Joseph Naas. Companies include XYZ Total Home. Roles listed include Marketing Analytical Manager. Records are compiled from state business registries, SEC filings, and professional networking databases.

Joseph Naas

DPM
PODIATRY
Individual Male
NPI: 1003900390
School: KENT STATE UNIVERSITY COLLEGE OF PODIATRIC MEDICINE (1996)
Org: Foot Specialists Of Cny PC

Source: CMS NPI Registry (NPPES) · State Medical Boards · Healthcare Provider Databases 1 healthcare provider record found for Joseph Naas in the CMS National Provider Identifier registry. NPI registration is required for providers billing Medicare or Medicaid. Listing here does not constitute an endorsement of care quality.

Joseph Naas

New Harmony High School - New Harmony, IN, IN
1988

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Joseph Naas 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.

$200 Aug 13, 2004
2004 REP
Bush, George W
Naas, Joseph J Township Of, NJ
$200 Aug 13, 2004
REP
Bush, George W
Contributor Township Of, NJ
$200 Aug 13, 2004
Unknown Committee
Naas, Joseph J Mr Information Requeste @ Information Requested Per Best Efforts Township Of, NJ

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 3 political contribution records found for Joseph Naas. Total disclosed contributions amount to $600. Recipients include Bush, George W. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Joseph J Naas

Age 82 Male
·
650 Kennedy Dr, Twp Washinton, NJ 07676 (Bergen County)
40.9948, -74.0739
· (201) 739-6532
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family
MP

Joseph R Naas

Age 29 Male
·
180 Reagan Dr, Waynesboro, GA 30830 (Burke County)
33.0918, -81.9589
· (720) 297-4688
Marital: Married
MP

Joseph E Naas

Age 47 Male
·
PO Box 101, Liverpool, NY 13088 (Onondaga County)
43.1147, -76.1851
· (315) 638-5007
Marital: Married TZ: Eastern
Occ: Healthcare Edu: High School
Homeowner Single Family
MP

Joseph Naas

Age 57 Male
·
23-09 Dorchester Rd, Fair Lawn, NJ 07410 (Bergen County)
40.9207, -74.1120
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1942 Purchased 1992
MP

Joseph M Naas

Age 46 Male
·
1115 Maddox Ln, Verona, KY 41092 (Boone County)
38.8366, -84.6323
· (859) 391-4223
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 2001 Purchased 2010
MP

Joseph E Naas

Age 69 Male
·
2955 Loebs Ct, Mt Pleasant, SC 29466 (Charleston County)
32.9017, -79.8264
· (843) 452-4860
Marital: Married TZ: Eastern
Occ: White Collar Edu: Graduate School
Homeowner Single Family Built 1997 Purchased 1999

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

Connect Marriage And Family Therapy Ser

Subchapter S Corporation

$15,000 Paid in Full
Address:
5900 N Burdick St
East Syracuse, NY13057-4207
Approved

Apr 23, 2021

Forgiven

$15,046

Jobs Reported

2

Loan #

9489158801

Loan Size

Small

Yankell And Company Catering INC

Corporation

$30,705 Paid in Full
Address:
5900 N Burdick St
East Syracuse, NY13057-9462
Approved

Jan 23, 2021

Forgiven

$31,020

Jobs Reported

64

Loan #

4475318307

Loan Size

Small

Kris L Coolhart

Sole Proprietorship

$12,500 Paid in Full
Address:
5900 N Burdick St Ste 201
East Syracuse, NY13057-9463
Approved

Feb 12, 2021

Forgiven

$12,573

Jobs Reported

1

Loan #

7829778405

Loan Size

Small

Foot Specialists Of Cny PC

Corporation

$19,855 Paid in Full
Address:
5900 N Burdick St Ste 104
East Syracuse, NY13057-9463
Approved

May 1, 2020

Forgiven

$107,051

Jobs Reported

13

Loan #

5120647703

Loan Size

Small

Kris Coolhart Lmt

Sole Proprietorship

$12,500 Paid in Full
Address:
5900 N Burdick St
East Syracuse, NY13057-4207
Approved

Apr 10, 2020

Forgiven

$12,592

Jobs Reported

1

Loan #

1208667106

Loan Size

Small

Traditions At The Links LLC

Subchapter S Corporation

$180,400 Paid in Full
Address:
5900 N Burdick St
East Syracuse, NY13057-9462
Approved

Jan 27, 2021

Forgiven

$182,876

Jobs Reported

64

Loan #

6722098310

Loan Size

Medium

Marie Martini

Sole Proprietorship

$9,303 Paid in Full
Address:
5900 N Burdick St Ste 201
East Syracuse, NY13057-9463
Approved

Mar 15, 2021

Forgiven

$9,374

Jobs Reported

1

Loan #

2576268610

Loan Size

Small

Choripan Too LLC

Limited Liability Company(LLC

$30 Paid in Full
Address:
10 Sussex St
Hackensack, NJ07601-5406
Approved

May 1, 2020

Forgiven

$55,296

Jobs Reported

11

Loan #

6018957700

Loan Size

Small

Connect Marriage And Family Therapy Services PLLC

Subchapter S Corporation

$15,000 Paid in Full
Address:
5900 N Burdick St Ste 102A
East Syracuse, NY13057-4207
Approved

Jan 25, 2021

Forgiven

$15,060

Jobs Reported

2

Loan #

5489258308

Loan Size

Small

Firm Insurance Agency LLC

Limited Liability Company(LLC

$25,620 Paid in Full
Address:
5900 N Burdick St
East Syracuse, NY13057-9462
Approved

Feb 5, 2021

Forgiven

$25,758

Jobs Reported

5

Loan #

3525658407

Loan Size

Small

East Side Pediatric Group LLP

Limited Liability Partnership

$94,250 Paid in Full
Address:
5900 N Burdick St Ste 215
East Syracuse, NY13057-9465
Approved

Feb 12, 2021

Forgiven

$94,730

Jobs Reported

13

Loan #

8097908405

Loan Size

Small

Pablo Spadavecchia

Limited Liability Company(LLC

$54,250 Paid in Full
Address:
10 Sussex St
Hackensack, NJ07601-5406
Approved

Apr 28, 2021

Forgiven

$54,514

Jobs Reported

10

Loan #

4199478900

Loan Size

Small

Denise Miranda

Self-Employed Individuals

$17,973 Paid in Full
Address:
5900 N Burdick St Ste 205
East Syracuse, NY13057-9464
Approved

May 2, 2021

Forgiven

$18,090

Jobs Reported

1

Loan #

6420308905

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 13 PPP loan records are linked to businesses associated with Joseph Naas. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Joseph Naas on the map

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Found 37 results across 11 states

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Joseph Naas in Erlanger, KY: Background Summary

Location
882 Ashridge Ct, Erlanger, KY 41018
Other Locations
Verona, KY · Dayton, OH · Fair Lawn, NJ and 10 more
Profiles Found
21 people with this name
Phone Numbers
(859) 282-6785 and 10 others on file
Email
jnaas@aol.com and 4 others on file
Possible Relatives
Julie E Johnson, Joyce M Reilly, Joseph I Naas, Giordano Barbara Naas, Janinde Naas and 2 more
Career
Marketing Analytical Manager at XYZ Total Home
Voter Registration
Registered Republican
Properties
2properties owned
Vehicles
9 linked — 2009 Kia Borrego, 2010 Ford Escape and 7 more
Contributions
$600 total — Bush, George W
Healthcare
Licensed provider — PODIATRY
PPP Loans
$487K for Connect Marriage And Family Therapy Ser, Yankell And Company Catering INC

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 Joseph Naas. Because public records are indexed by name rather than by a unique identifier, the 77 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.

Healthcare Provider Data

Healthcare provider information is sourced from the National Plan and Provider Enumeration System (NPPES), a registry managed by the Centers for Medicare and Medicaid Services (CMS). Every healthcare provider that bills Medicare or Medicaid is required to obtain a National Provider Identifier (NPI), so the presence of an NPI listing confirms that the individual holds recognized healthcare credentials. The specialty, practice address, and taxonomy codes reflect the provider's own attestation at the time of registration or most recent update. An NPI listing does not constitute an endorsement of care quality, nor does it indicate whether the provider is currently accepting new patients.

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 Joseph Naas

Search Complexity: High

77 public records across 11states, belonging to approximately 21 different individuals. With 21 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 Property Ownership Records section may be most helpful for disambiguation because these records list property addresses and co-owners, which can help distinguish between individuals.

Geographic Distribution

Records are widely distributed across 11 states. Highest concentration: Kentucky (14%), followed by New Jersey and New York. Spans the Northeast and South regions.

KY11recordsNJ9recordsNY7recordsOH3recordsGA1recordSC1record

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (34%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (13) and Vehicle Registration Records (9).

24
Contact & Address Records
13
PPP Loan Records
9
Vehicle Registration Records
7
Property Ownership Records
7
Voter Registration Records
6
Business & Corporate Filings

Age Distribution

Age range: approximately 68 years, suggesting multiple generations. Largest group: Senior (65+) (60%).

Senior (65+)6peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Joseph Naas

Is Joseph Naas a registered voter?
Yes, voter registration records show Joseph Naas is registered. We found 7 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Joseph Naas own property?
County assessor records show 7 properties associated with Joseph Naas . 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 Joseph Naas?
Records show 9 vehicle registrations associated with Joseph Naas, including a 2009 Kia Borrego. Registered makes include Kia, Ford, Chevrolet, Honda. 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 Joseph Naas?
We found 6 business affiliations for Joseph Naas (Marketing Analytical Manager). Business records are compiled from state registries, SEC filings, and professional databases.
Is Joseph Naas a healthcare provider?
Yes, the CMS National Provider Identifier registry lists Joseph Naas as a registered healthcare provider (NPI: 1003900390). NPI registration is required for all providers billing Medicare or Medicaid. This listing confirms enrollment in the federal healthcare system but does not indicate quality of care.
Has Joseph Naas made political donations?
FEC disclosure records show 3 reported political contributions from Joseph Naas, totaling $600. Recipients include Bush, George W. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Joseph Naas?
Our database contains 77 total records for Joseph Naas spanning 11 states. This includes 21 distinct contact records, 10 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 Joseph Naas?
The 77 records displayed for Joseph Naas 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 Joseph Naas 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.