Joyce Lopes

Age 77 b. 1948-05-12
๐Ÿ“ 9301 C St, Oakland Ca
๐Ÿ“ž (510) 228-2628, (510) 638-3495
โœ‰๏ธ JMLOPES1948@HOTMAIL.COM, jmlopes1948@hotmail.com

Joyce Lopes from Fair Oaks, CA

Age 63 b. 1963 Female
๐Ÿ“ 8019 Livorna Way
๐Ÿ“ž (916) 799-9414 (Cell), (916) 966-6134
โœ‰๏ธ lopestom@sbcglobal.net

Joyce Lopes from Dania, FL

Age 64
๐Ÿ“ 322 4th Ct, Dania, FL 33004
๐Ÿ“ž (954) 923-0680, (352) 860-1588
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Kimberly E Lopes,Francis M Lopes,Karen Ann Azopardi,Frank M Lopes,F Lopes
๐Ÿช B & L Motors Of Dania, Inc

Joyce Lopes from South Plainfield, NJ

Age 76
๐Ÿ“ 115 Baker Ave, South Plainfield, NJ 07080
๐Ÿ“ž (610) 521-0191, (908) 245-0858, (717) 334-4466
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Debra L Lopes,Maria C Lopes,Enricque Iturrino,Bryan J Lopes,Frederick A Lopes,Tanya Lopes

Joyce Lopes from Carver, MA

Age 76
๐Ÿ“ 10 Meadowbrook Way #h, Carver, MA 02330
๐Ÿ“ž (508) 866-9922, (508) 866-7947, (508) 866-9922, (508) 866-9020

Joyce Lopes from Floral City, FL

๐Ÿ“ 5801 S Live Oak Dr
๐Ÿ“ž (904) 629-6996 (AT&T MOBILITY)
โœ‰๏ธ JOYCE.LOPES@YAHOO.COM

Joyce Lopes from Dumfries, VA

Age 44 b. 1982 Prince William Co.
๐Ÿ“ 3354 Mystic Ct
๐Ÿ“ž (703) 221-5477

Joyce Lopes from Ripon, CA

Age 88 b. Nov 1937 San Joaquin Co.
๐Ÿ“ 733 Mulholand Dr
๐Ÿ“ž (209) 823-6406

Joyce Lopes from Allen, TX

Age 77 b. Mar 1949 Collin Co.
๐Ÿ“ 1507 Winding Trail Dr
๐Ÿ“ž (928) 855-9324

Joyce Lopes from Acushnet, MA

Age 80 b. Jul 1945 Bristol Co.
๐Ÿ“ 91 Pageotte St
๐Ÿ“ž (508) 998-6969

Joyce Lopes from Waianae, HI

Age 81 b. Mar 1945 Honolulu Co.
๐Ÿ“ 87 1672 Mohihi St
๐Ÿ“ž (808) 668-2595
๐Ÿ‘ค aka Joyce E Allosada

Joyce Lopes from Foster, RI

Age 79 b. Sep 1946 Providence Co.
๐Ÿ“ 27 Plainfield Pike
๐Ÿ“ž (401) 647-9296

Joyce Lopes from Lake Havasu City, AZ

Age 76 b. Sep 1949 Mohave Co.
๐Ÿ“ 3590 Bali Dr

Joyce Lopes from Tampa, FL

Age 76 b. Nov 1949 Hillsborough Co.
๐Ÿ“ 6806 Timberlane West Dr

Joyce Lopes from Fairhaven, MA

Age 74 b. Oct 1951
๐Ÿ“ 29 Silver Shell Beach Dr
๐Ÿ‘ค aka Joyce Ellen Eccleston, Joycee Lopes, Joyce Ellen Scully

Joyce Lopes from Foster, RI

Age 79 b. Feb 1947
๐Ÿ“ 27 Plainfield Pi
๐Ÿ‘ค aka Joyce C Sampson

Joyce Lopes from Oakland, CA

Age 51 b. Dec 1974 Alameda Co.
๐Ÿ“ 9301 C St
๐Ÿ‘ค aka Lopes Joyce

Joyce Lopes from Salisbury, MD

Age 88 b. Aug 1937 Wicomico Co.
๐Ÿ“ 414 Washington St

Joyce Lopes from Rosenberg, TX

Age 76
๐Ÿ“ 3108 Turtle Creek Dr, Rosenberg, TX 77471

Joyce Lopes from Gettysburg, PA

Adams Co.
๐Ÿ“ 9 Robert Curtis Dr G
๐Ÿ“ž (717) 334-4466

Joyce Lopes from North Carver, MA

Plymouth Co.
๐Ÿ“ 6 Green St 235

Joyce Lopes from Brockton, MA

Plymouth Co.
๐Ÿ“ 70 Stillman Ave

Joyce Lopes from Mansfield, MA

Bristol Co.
๐Ÿ“ 149 Oakland St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 24 contact records for Joyce Lopes across 11 states. The most recent address on file is in Fair Oaks, California. Of these records, 14 include phone numbers and 3 include email addresses. Ages range from 64 to 76, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Lopes Joyce & Tom

Humboldt County
· 2965 Greenwood Hts Dr, Eureka Ca

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 1 property record linked to Joyce Lopes in Eureka. Values shown are from county assessor records and may differ from current market prices.

Joyce M Lopes

Democrat Reg: 10/06/2006
49 Robert Curtis Dr, Gettysburg, PA, 17325
DOB: 08/17/1937 Gender: Female

Joyce Carol Lopes

2 Teak Ln, Ocala, , 34472

Joyce V Lopes

Republican
69 4 Place, 11231
DOB: 19610613 Gender: Female

Joyce M Lopes

49 Robert Curtis Dr
DOB: 08/17/1937 Gender: Female

Joyce C Lopes

27 Plainfield Pike, Foster, 02825

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 5 voter registration records were found for Joyce Lopes in Pennsylvania, . Records show affiliations with D, REP, which may reflect different individuals or changes over time. 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.

1997 HONDA CIVIC
ยท Registered to: Joyce Lopes
ยท VIN: 1HGEJ6221VL094112
·
27 Club Dr, Stafford, VA, 22554
·
(540) 657-1707
2013 Hyundai Sonata
ยท Registered to: Joyce Lopes
ยท VIN: 5NPEB4AC7DH678317
·
2 Teak Ln, Ocala, FL, 34472
·
(352) 533-7491
2009 Honda Cr-V
ยท Registered to: Joyce Lopes
ยท VIN: 5J6RE38779L027049
·
703 Nw 9Th Ave, Dania, FL, 33004
·
(305) 923-0680
2008 Hyundai Sonata
ยท Registered to: Joyce Lopes
ยท VIN: 5NPEU46F48H400185
·
2 Teak Ln, Ocala, FL, 34472

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 4 vehicle registration records are associated with Joyce Lopes. Registered makes include Honda, Hyundai. The most recent model year on record is 2013. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Humboldt State University

Vice President
+17078265746joyce.lopes@humboldt.edu
Arcata,

Village Realtors

President
(508) 990-0226Lopes@villagerealtors.com
South Dartmouth, MA
Real Estate (Housing)

Angels & Beyond

Owner
(508) 996-9900
Fairhaven, MA
Miscellaneous Retail (Stores)

Joyce Lopes

Owner
(808) 689-3552
Ewa Beach, HI
Social Services (Services)

Joyce Lopes

Custodian Of Financial Records
Arcata, CA

Rebuild North Bay

Joyce LopesDirector
Sonoma, CA

Joyce Lopes

Analista De Compras S????nior
Brazil Business Supplies And Equipment

Setchen, Jason A

Joyce LopesRecruiter
joyce.lopes@yahoo.com
5801 S Live Oak Dr, Floral City, FL34436
jaslawfirm.com

Joyce Lopes

Vice President at Humbo ยท Redding, California Area

Line-X Spray on Truck Bedliner

Joyce LopesOwner
(904) 629-6996joyce.lopes@yahoo.com
5801 S Live Oak Dr, Floral City, FL34436

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 26 business affiliations were found for Joyce Lopes. Companies include Village Realtors, Angels & Beyond, Joyce Lopes and 1 more. Roles listed include Vice President and Cbo. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

PRESIDENT: Joyce D. Lopes

Unknown Corporation

Addr: 91 Pageotte St., , Acushnet, MA
MA
PRESIDENT: Joyce D. Lopes

New Bedford Board Of Realtors Multiple Listing Service, INC

Addr: 91 Pageotte St., , Acushnet, MA
MA
PRESIDENT: Joyce Lopes

Source: Public Records Joyce Lopes appears in 3 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Joyce D Lopes

Counselor Registration
EXPIRED
Issued: 20030825 Exp: 20031208

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Joyce Lopes holds 1 state-issued professional license on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Joyce Lopes

Attleboro High School - Attleboro, MA, MA
1968

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Joyce Lopes 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.

$250 Jun 30, 2003
2004 DEM
Dean, Howard
Lopes, Joyce Housewife @ Not Employed Waianae, HI
$50 Aug 4, 2003
2004 DEM
Dean, Howard
Lopes, Joyce Homemaker @ Not Employed Waianae, HI
$500 Jun 30, 2003
2004 DEM
Dean, Howard
Lopes, Joyce Housewife @ Not Employed Waianae, HI
$100 Jun 29, 2003
2004 DEM
Dean, Howard
Lopes, Joyce Housewife @ Not Employed Waianae, HI
$50 Jan 28, 2019
2020
Need To Impeach
Lopes, Joyce Higher Education @ Csu Bodega Bay, CA
$69 Apr 2, 2004
2004
Ma Assoc Of Realtors Pol Action Comm Ma Rpac
Lopes, Joyce Realtor @ Joyce D Lopes Realty CORP Bh&g Acushnet, MA
$50 Jun 30, 2003
2004 DEM
Dean, Howard
Lopes, Joyce Housewife @ Not Employed Waianae, HI
$50 Jul 28, 2003
2004 DEM
Dean, Howard
Lopes, Joyce Homemaker @ Not Employed Waianae, HI
$15 Jun 3, 2020
2020 REP
Gardner, Cory
Lopes, Joyce Retired Ocala, FL
$50 Aug 24, 2003
2004 DEM
Dean, Howard
Lopes, Joyce Homemaker @ Not Employed Waianae, HI
$15 Oct 24, 2020
2020 REP
Daines, Steven
Lopes, Joyce Retired Ocala, FL
$50 Aug 26, 2003
2004 DEM
Dean, Howard
Lopes, Joyce Homemaker @ Not Employed Waianae, HI
$50 Jan 28, 2019
Need To Impeach
Contributor Higher Education @ Csu Bodega Bay, CA
$15 Oct 26, 2020
Unknown Committee
Lopes, Joyce Ocala, FL
$125
2028
Nicholas William Brown (Nick Brown)
Joyce Lopes Sedro Woolley, WA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 15 political contribution records found for Joyce Lopes. Total disclosed contributions amount to $1,439. Recipients include Need To Impeach. Federal law requires disclosure of contributions above $200 to federal candidates.

Joyce Lopes

License: 71461 Broker

Source: State Real Estate Commissions ยท NAR License Databases

MP

Joyce M Lopes

Age 69 Female
·
9301 C St, Oakland, CA 94603 (Alameda County)
37.7458, -122.1770
· (510) 638-3495
Marital: Single TZ: Pacific
Occ: White Collar Edu: High School
Homeowner Single Family Built 1939
MP

Joyce E Lopes

Age 79 Female
·
733 Mulholand Dr, Ripon, CA 95366 (San Joaquin County)
37.7458, -121.1160
· (209) 599-5862
Marital: Married TZ: Pacific
Homeowner Single Family Built 1985 Purchased 2001
MP

Joyce H Lopes

Age 67 Female
·
703 NW 9th Ave, Dania, FL 33004 (Broward County)
26.0604, -80.1504
· (813) 410-0105
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1967 Purchased 1973
MP

Joyce Lopes

Age 68 Female
·
1507 Winding Trail Dr, Allen, TX 75002 (Collin County)
33.1260, -96.6340
Marital: Single TZ: Central
Occ: Service Industry Edu: High School
Single Family
MP

Joyce D Lopes

Age 74 Female
·
10 Margaret St, Acushnet, MA 02743 (Bristol County)
41.6890, -70.8842
· (508) 998-3306
Marital: Married TZ: Eastern
Occ: White Collar Edu: High School
Homeowner Single Family Built 1994 Purchased 2006
MP

Joyce D Lopes

Age 42 Female
·
27 Club Dr, Stafford, VA 22554 (Stafford County)
38.4287, -77.4002
· (540) 657-1707
Marital: Married TZ: Eastern
Homeowner Single Family Built 2008 Purchased 2010
MP

Joyce E Lopes

Age 72 Female
·
87-1672 Mohihi St, Waianae, HI 96792 (Honolulu County)
21.3924, -158.1550
· (808) 668-2595
Marital: Married TZ: Hawaii
Edu: Some College
Homeowner Single Family Built 1972 Purchased 1972
MP

Joyce C Lopes

Age 70 Female
·
2 Teak Ln, Ocala, FL 34472 (Marion County)
29.1665, -82.0438
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1985 Purchased 2009
MP

Joyce H Lopes

Age 54 Female
·
2965 Greenwood Heights Dr, Kneeland, CA 95549 (Humboldt County)
40.7978, -124.0470
· (707) 601-9387
TZ: Pacific
Homeowner Single Family Purchased 2012
MP

Joyce H Lopes

Age 54 Female
·
8019 Livorna Way, Fair Oaks, CA 95628 (Sacramento County)
38.6508, -121.2680
· (916) 803-1558
Marital: Married TZ: Pacific
Occ: White Collar Edu: High School
Homeowner Single Family Built 1961 Purchased 2002
MP

Joyce E Lopes

Age 65 Female
·
29 Silver Shell Beach Dr, Fairhaven, MA 02719 (Bristol County)
41.6091, -70.8656
· (508) 999-2200
TZ: Eastern
Edu: High School
Homeowner Single Family
MP

Joyce A Lopes

Age 23 Female
·
5 Roger White Dr, New Haven, CT 06511 (New Haven County)
41.3279, -72.9495
· (203) 773-1173
Marital: Married TZ: Eastern
Homeowner Single Family Built 1950 Purchased 2001

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 12 demographic profiles associated with Joyce Lopes. 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 Joyce Lopes. These loans were issued to businesses, not individuals.

Joyce D. Lopes Realty CORP

Subchapter S Corporation

$13,157 Paid in Full
Address:
10 Margaret St
Acushnet, MA02743
Approved

Jun 29, 2020

Jobs Reported

2

Loan #

5852698001

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 1 PPP loan record is linked to businesses associated with Joyce Lopes. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Joyce Lopes on the map

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Joyce Lopes in Oakland, CA: Background Summary

Location
9301 C St, Oakland Ca, Oakland, CA
Other Locations
Fair Oaks, CA ยท Floral City, FL ยท Dumfries, VA and 13 more
Profiles Found
24 people with this name
Phone Numbers
(510) 228-2628 and 15 others on file
Email
jmlopes1948@hotmail.com and 2 others on file
Possible Relatives
Kimberly E Lopes, Francis M Lopes, Karen Ann Azopardi, Frank M Lopes, F Lopes and 52 more
Career
Vice President, Cbo at Village Realtors, Angels & Beyond
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
4 linked โ€” 1997 Honda Civic, 2013 Hyundai Sonata and 2 more
Contributions
$1,439.3 total โ€” Need To Impeach
PPP Loans
$13,157 for Joyce D. Lopes Realty CORP

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 Joyce Lopes. Because public records are indexed by name rather than by a unique identifier, the 99 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 Joyce Lopes

Search Complexity: High

99 public records across 12states, belonging to approximately 24 different individuals. With 24 distinct profiles across 12 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 12 states. Highest concentration: Massachusetts (15%), followed by Florida and California. Spans the Northeast and South regions.

MA15recordsFL14recordsCA13recordsTX3recordsHI3recordsVA3records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (34%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (26) and Political Contribution Records (15).

29
Contact & Address Records
26
Business & Corporate Filings
15
Political Contribution Records
5
Voter Registration Records
4
Vehicle Registration Records
3
Corporate Records

Age Distribution

Age range: approximately 45 years, suggesting multiple generations. Largest group: Senior (65+) (73%).

Senior (65+)8peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Joyce Lopes

Is Joyce Lopes a registered voter?
Yes, voter registration records show Joyce Lopes is registered in Pennsylvania with D affiliation. We found 5 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Joyce Lopes own property?
County assessor records show 1 property associated with Joyce Lopes . 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 Joyce Lopes?
Records show 4 vehicle registrations associated with Joyce Lopes, including a 1997 HONDA CIVIC. Registered makes include Honda, Hyundai. 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 Joyce Lopes?
We found 26 business affiliations for Joyce Lopes (Vice President). Other companies include Angels & Beyond, Joyce Lopes. Business records are compiled from state registries, SEC filings, and professional databases.
Has Joyce Lopes made political donations?
FEC disclosure records show 15 reported political contributions from Joyce Lopes, totaling $1,439. Recipients include Need To Impeach. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Joyce Lopes?
Our database contains 99 total records for Joyce Lopes spanning 12 states. This includes 24 distinct contact records, 14 with phone numbers, 3 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 Joyce Lopes?
The 99 records displayed for Joyce Lopes 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 Joyce Lopes 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.