Karen Perna from Landenberg, PA

Age 53
๐Ÿ“ 301 Kelleher Dr #35, Landenberg, PA 19350
๐Ÿ“ž (610) 274-1471, (610) 274-1471, (302) 324-9187, (410) 515-4073
โœ‰๏ธ elleautumn@aol.com, elleautumn@comcast.net, elleautumn@cs.com, elleautumn25@aol.com, kmvitale@aol.com, kmvitale@att.net

Karen Perna from Albuquerque, NM

Age 56
๐Ÿ“ 2400 Dorothy St, Albuquerque, NM 87112
๐Ÿ“ž (505) 293-7158, (505) 293-7158, (708) 406-1766
โœ‰๏ธ klp@perrysupply.net
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Frank L Perna,Brandon Perna

Karen Perna from Trenton, NJ

Age 56 b. Jul 1969
๐Ÿ“ 22 Tanager Ln
๐Ÿ“ž (270) 259-5167, (609) 918-0297
๐Ÿ‘ค aka Karen M Gronikowski

Karen Perna from Lawrenceville, NJ

0
๐Ÿ“ 140 Gainsboro Rd, Lawrenceville, NJ 08648
๐Ÿ“ž (609) 882-0897
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Gerrie Lee Perna,Sandy A Perna,Cynthia L Perna

Karen Perna from San Bruno, CA

Age 81 b. Sep 1944 San Mateo Co.
๐Ÿ“ 150 Daley Ct
๐Ÿ“ž (650) 583-9343

Karen Perna from Harper Woods, MI

Age 63 b. Feb 1963 Wayne Co.
๐Ÿ“ 20926 Lochmoor St
๐Ÿ“ž (313) 885-4602

Karen Perna from Tinley Park, IL

Age 59 b. 1967 Cook Co.
๐Ÿ“ 6301 Barbara Ave
๐Ÿ“ž (708) 342-0263

Karen Perna from Buffalo, NY

Female
๐Ÿ“ 66 Rosewood Dr
๐Ÿ“ž (716) 316-2416 (SPRINT)

Karen Perna from Huntingdon Valley, PA

Age 60 b. Oct 1965 Montgomery Co.
๐Ÿ“ 475 Lawrence Rd
๐Ÿ“ž (215) 938-0353

Karen Perna from Albuquerque, NM

Age 68 b. 1958 Bernalillo Co.
๐Ÿ“ 2400 Dorothy St Ne
๐Ÿ“ž (505) 293-7158

Karen Perna from Newburg, MD

Age 58 b. Jun 1967 Charles Co.
๐Ÿ“ 12423 Pinecrest Ln
๐Ÿ“ž (845) 446-3839

Karen Perna from Hammonton, NJ

Age 57 b. 1969 Atlantic Co.
๐Ÿ“ 840 S 2nd Rd
๐Ÿ“ž (609) 567-0849

Karen Perna from Nottingham, MD

Age 47 b. 1979 Baltimore Co.
๐Ÿ“ 7519 Kenlea Ave
๐Ÿ“ž (410) 668-8433

Karen Perna from Monroe, NY

Age 72 b. Feb 1954 Orange Co.
๐Ÿ“ 322 Old Dutch Hollow Rd
๐Ÿ“ž (845) 986-0194

Karen Perna from Vernon Rockvl, CT

Age 69 b. Mar 1957 Tolland Co.
๐Ÿ“ 00 South St Apt Q5 V
๐Ÿ“ž (860) 454-4426

Karen Perna from Bridgeport, CT

Age 77 b. Sep 1948 Fairfield Co.
๐Ÿ“ 81 Hope St 2 Nd

Karen Perna from Allentown, PA

Age 82 b. Sep 1943 Lehigh Co.
๐Ÿ“ 12 N Jerome St 1

Karen Perna from New Castle, DE

Age 65 b. Jul 1960 New Castle Co.
๐Ÿ“ 704 W 13th St
๐Ÿ‘ค aka Karen Coomes

Karen Perna from Pittsburgh, PA

Age 60 b. Oct 1965 Allegheny Co.
๐Ÿ“ 501 Oxford Bl

Karen Perna from Deer Park, NY

Age 79 b. Feb 1947 Suffolk Co.
๐Ÿ“ 50 Parkcenter Dr
๐Ÿ‘ค aka Karen A Skok, Karen A Hendrickson, Karen A Henrickson

Karen Perna from La Plata, MD

Age 58 b. Jun 1967 Charles Co.
๐Ÿ“ 10638 Princess Diana Ct

Karen Perna from Vernon Rockville, CT

Age 69 b. Mar 1957 Tolland Co.
๐Ÿ“ 142 Vernon Ave 54

Karen Perna from Saint Clair Shores, MI

Age 70 b. Apr 1956 Macomb Co.
๐Ÿ“ 31804 Saint Margaret St 101 O

Karen Perna from Gloversville, NY

Age 51 b. Dec 1974 Fulton Co.
๐Ÿ“ 1 Eastland Ave 13

Karen Perna from Depew, NY

Age 62 b. May 1963 Erie Co.
๐Ÿ“ 140 Barnabas Dr

Karen Perna

Age 69 b. Sep 1956
๐Ÿ“ 2 Pulaski Pa Po Box 26

Karen Perna from Albuquerque, NM

Bernalillo Co.
๐Ÿ“ 13219 Mountain Pl

Karen Perna from Chandler, AZ

Maricopa Co.
๐Ÿ“ 1460 W Folley St

Karen Perna from Pulaski, PA

Lawrence Co.
๐Ÿ“ 2 Po Box 26

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 29 contact records for Karen Perna across 11 states. The most recent address on file is in Trenton, New Jersey. Of these records, 15 include phone numbers and 2 include email addresses. Ages range from 53 to 56, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Perna Karen

Erie County
PIN: 1464890538400003007000
· 66 Rosewood Dr, Tonawanda ny
Built: 1955.0
Assessed: $48,100

Perna Karen S

Maricopa County
· W 1460 Folley, Chandler

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

Karen M Perna

Unaffiliated
840 S 2nd Rd, Hammonton, 08037
DOB: 12/19/1969
County: Atlantic

Karen M Perna

Republican Reg: 04/20/1999
475 Lawrence Rd, Huntingdon Vly, PA, 19006
DOB: 10/17/1965 Gender: Unknown

Karen J Perna

Republican Reg: 07/24/1992
5097 Palmer Mill Rd, Clifton Heights, PA, 19018
DOB: 06/23/1956 Gender: Female

Karen Perna

Democrat Reg: 07/16/2005
45 S Neshannock Rd, Hermitage, PA, 16148
DOB: 05/12/1957 Gender: Unknown

Karen Louise Perna

Democrat
8440 Coco Rd, Baltimore, MD, 21237
Gender: Female
County: Baltimore County

Karen Perna

Republican
322 Old Dutch Hollow Rd, 8, 10950
DOB: 19540216 Gender: Female

Karen A Perna

Republican
7 Zdunko Ln, 1, 11901
DOB: 19470211 Gender: Female

Karen A Perna

Republican
66 Rosewood Dr, 5, 14221
DOB: 19630515 Gender: Female

Karen A Perna

Reg: 09594684
7 Zdunko Ln, 1, 11901
DOB: 19470211 Gender: Female

Karen J Perna

5097 Palmer Mill Rd
DOB: 06/23/1956 Gender: Female

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 10 voter registration records were found for Karen Perna in Pennsylvania, Maryland. Records show affiliations with U, R, D, DEM, REP, which may reflect different individuals or changes over time. 3 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 Cadillac CTS
ยท Registered to: Karen Perna
ยท VIN: 1G6DF577090116797
·
840 S 2nd Rd, Hammonton, NJ, 08037-3333
·
(609) 567-0849
2005 Chevrolet Tahoe
ยท Registered to: Karen Perna
ยท VIN: 1GNEK13T55J200022
·
10638 Princess Diana Ct, La Plata, MD, 20646
·
(301) 752-4442
2009 CHEVROLET HHR
ยท Registered to: Karen Perna
ยท VIN: 3GNCA53V49S566433
·
15 W Chelton Rd, Brookhaven, PA, 19015-3219
·
(484) 483-9572
2009 Ford F-150
ยท Registered to: Karen Perna
ยท VIN: 1FTPW14V99FA35249
·
475 Lawrence Rd, Huntingdon Valley, PA, 19006
·
(215) 938-0667
2008 MAZDA MAZDA3
ยท Registered to: Karen Perna
ยท VIN: JM1BK32G781177293
·
8440 Coco Rd, Rosedale, MD, 21237
·
(443) 413-0613
2007 Ford F-150
ยท Registered to: Karen Perna
ยท VIN: 1FTPW14V97FA30002
·
475 Lawrence Rd, Huntingdon Valley, PA, 19006
2011 Ford F-150
ยท Registered to: Karen Perna
ยท VIN: 1FTFW1EF7BFA30043
·
475 Lawrence Rd, Huntingdon Valley, PA, 19006
·
(215) 938-0667
2008 Ford Explorer
ยท Registered to: Karen Perna
ยท VIN: 1FMEU74E68UB35136
·
475 Lawrence Rd, Huntingdon Vy, PA, 19006-2366
·
(215) 938-0667
2013 Ford Edge
ยท Registered to: Karen Perna
ยท VIN: 2FMDK4JC6DBB13558
·
475 Lawrence Rd, Huntingdon Valley, PA, 19006
·
(215) 938-0667

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 9 vehicle registration records are associated with Karen Perna. Registered makes include Cadillac, Chevrolet, Ford, Mazda. 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.

Fragments Glass By Karen

Owner
(732) 341-5392
South Amboy, NJ
Personal Services (Services)

Karen Perna

United States

Karen Perna

ASR at BCBSM ยท Greater Detroit Area

Karen Perna

Huntingdon Valley, PA19006

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 6 business affiliations were found for Karen Perna. Companies include Fragments Glass By Karen. Records are compiled from state business registries, SEC filings, and professional networking databases.

Karen Perna

Greenwich High School - Greenwich, CT, CT
1982

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Karen Perna 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.

$4 Oct 13, 2014
2014
Uaw Michigan V Pac
Perna, Karen Roseville, MI
$15 Sep 3, 2008
2008
Lux Roland, Debra
Perna, Karen Roseville, MI
$4 Oct 13, 2014
Uaw Michigan V Pac
Contributor Roseville, MI
$4
2014
Uaw Michigan V Pac
Contributor Roseville, MI

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 4 political contribution records found for Karen Perna. Total disclosed contributions amount to $27. Recipients include Uaw Michigan V Pac. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Karen Perna

Age 38 Female
·
8440 Coco Rd, Rosedale, MD 21237 (Baltimore County)
39.3348, -76.5029
Marital: Single TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1958 Purchased 2013
MP

Karen L Perna

Age 50 Female
·
10638 Princess Diana Ct, La Plata, MD 20646 (Charles County)
38.5173, -76.9423
· (301) 392-6018
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1996 Purchased 1996
MP

Karen M Perna

Age 61 Female
·
29761 Arnell Ct, Roseville, MI 48066 (Macomb County)
42.5153, -82.9443
· (586) 219-0650
Marital: Married TZ: Eastern
Edu: High School
Homeowner Multi-Family Built 1992 Purchased 1994
MP

Karen B Perna

Age 72 Female
·
150 Daley Ct, San Bruno, CA 94066 (San Mateo County)
37.6219, -122.4440
· (650) 583-9343
Marital: Married TZ: Pacific
Edu: Some College
Homeowner Single Family Built 1959
MP

Karen Perna

Age 60 Female
·
45 S Neshannock Rd, Hermitage, PA 16148 (Mercer County)
41.2368, -80.3972
· (724) 347-3267
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Purchased 2008
MP

Karen Perna

Age 54 Female
·
66 Rosewood Dr, Buffalo, NY 14221 (Erie County)
43.0078, -78.7568
· (716) 688-2381
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1966
MP

Karen Perna

Age 63 Female
·
17 Wig Hill Rd, Chester, CT 06412 (Middlesex County)
41.4031, -72.4779
· (845) 986-0194
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family Built 1993 Purchased 2013
MP

Karen L Perna

Age 59 Female
·
2132 NE 1st Way, Boynton Beach, FL 33435 (Palm Beach County)
26.5240, -80.0682
· (505) 293-7158
Marital: Married
Occ: White Collar Edu: Some College
Multi-Family
MP

Karen J Perna

Age 61 Female
·
5097 Palmer Mill Rd, Clifton Hts, PA 19018 (Delaware County)
39.9363, -75.3037
· (610) 476-1353
Marital: Single TZ: Eastern
Homeowner Single Family Built 1950 Purchased 2008
MP

Karen M Perna

Age 47 Female
·
840 S 2nd Rd, Hammonton, NJ 08037 (Atlantic County)
39.6019, -74.7993
· (609) 567-0849
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1998 Purchased 1997
MP

Karen Perna

Age 50 Female
·
8812 176th St, Tinley Park, IL 60487 (Cook County)
41.5674, -87.7920
· (708) 614-9143
Marital: Married TZ: Central
Edu: High School
MP

Karen A Perna

Age 60 Female
·
300 South St, Vernon Rockvl, CT 06066 (Tolland County)
41.8555, -72.4622
Marital: Married TZ: Eastern
Multi-Family
MP

Karen R Perna

Age 54 Female
·
20926 Lochmoor St, Harper Woods, MI 48225 (Wayne County)
42.4397, -82.9189
· (313) 683-3008
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1949
MP

Karen M Perna

Age 51 Female
·
475 Lawrence Rd, Huntingdon Vy, PA 19006 (Montgomery County)
40.1475, -75.0333
· (215) 938-0353
Marital: Married TZ: Eastern
Occ: White Collar Edu: Some College
Homeowner Single Family Built 1958 Purchased 1999
MP

Karen M Perna

Age 48 Female
·
1004 Robbinsville Edinburg Rd, Trenton, NJ 08691 (Mercer County)
40.2284, -74.6196
Marital: Married TZ: Eastern
Occ: Sales Edu: High School
Homeowner Single Family Built 1999 Purchased 1999

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 15 demographic profiles associated with Karen Perna. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find Karen Perna on the map

Blank map of the United States, territories not included Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
1
5
6
1
1
3
8
7
8
3
9
17

Karen Perna in Landenberg, PA: Background Summary

Location
301 Kelleher Dr #35,Landenberg, PA 19350, Landenberg, PA
Other Locations
Trenton, NJ ยท San Bruno, CA ยท Harper Woods, MI and 21 more
Profiles Found
29 people with this name
Phone Numbers
(610) 274-1471 and 14 others on file
Email
elleautumn@aol.com and 6 others on file
Possible Relatives
Joseph Francis Perna, Paulette J Diperna, Dorothy U Perna, Rose Coomes, Robert W Coomes and 6 more
Career
Fragments Glass By Karen
Voter Registration
Registered Republican
Properties
2properties owned
Vehicles
9 linked โ€” 2009 Cadillac Cts, 2005 Chevrolet Tahoe and 7 more
Contributions
$27 total โ€” Uaw Michigan V Pac, Uaw Michigan V Pac

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 Karen Perna. Because public records are indexed by name rather than by a unique identifier, the 86 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 Karen Perna

Search Complexity: High

86 public records across 12states, belonging to approximately 29 different individuals. With 29 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 Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county โ€” highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 12 states. Highest concentration: Pennsylvania (20%), followed by New York and New Jersey. Spans the Northeast and South regions.

PA17recordsNY9recordsNJ8recordsMD8recordsMI7recordsCT6records

Record Type Breakdown

Data spans 6 record categories. Largest: Contact & Address Records (56%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Voter Registration Records (10) and Vehicle Registration Records (9).

39
Contact & Address Records
10
Voter Registration Records
9
Vehicle Registration Records
6
Business & Corporate Filings
4
Political Contribution Records
2
Property Ownership Records

Age Distribution

Age range: approximately 36 years, suggesting multiple generations. Largest group: Senior (65+) (53%).

Senior (65+)9peopleMiddle-Age (40-64)8people

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

Frequently Asked Questions About Karen Perna

Is Karen Perna a registered voter?
Yes, voter registration records show Karen Perna is registered with U affiliation. We found 10 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Karen Perna own property?
County assessor records show 2 properties associated with Karen Perna . 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 Karen Perna?
Records show 9 vehicle registrations associated with Karen Perna, including a 2009 Cadillac CTS. Registered makes include Cadillac, Chevrolet, Ford, Mazda. 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 Karen Perna?
We found 6 business affiliations for Karen Perna, including Fragments Glass By Karen. Business records are compiled from state registries, SEC filings, and professional databases.
Has Karen Perna made political donations?
FEC disclosure records show 4 reported political contributions from Karen Perna, totaling $27. Recipients include Uaw Michigan V Pac. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Karen Perna?
Our database contains 86 total records for Karen Perna spanning 12 states. This includes 29 distinct contact records, 15 with phone numbers, 2 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 Karen Perna?
The 86 records displayed for Karen Perna 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 Karen Perna 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.