Katherine H Mattos from West Sacramento, CA

Age 60
๐Ÿ“ 1305 Meadow Rd, West Sacramento, CA 95691
๐Ÿ“ž (916) 505-3114, (916) 371-8676, (916) 505-9214, (916) 476-9996, (916) 966-9062, (805) 544-2103
โœ‰๏ธ evamattos@comcast.net, heathermattos@sbcglobal.net, mrmattos@yahoo.com

Katherine Mattos

Age 64 b. 1961-09-27
๐Ÿ“ 1305 Meadow Rd, W Sacramento Ca 95691-3640, West Sacramento Ca
๐Ÿ“ž (916) 505-9214, (111) 111-0002
โœ‰๏ธ HEATHERMATTOS@SBCGLOBAL.NET

Katherine Mattos from West Sacramento, CA

Age 65 b. 1961 Female
๐Ÿ“ 1305 Meadow Rd
๐Ÿ’ผ 2305
๐Ÿ“ž (916) 505-9214 (Cell), (916) 505-3114
โœ‰๏ธ heathermattos@sbcglobal.net

Katherine Mattos from Northvale, NJ

Age 57
๐Ÿ“ 162 Franklin St, Northvale, NJ 07647
๐Ÿ“ž (201) 768-0647, (201) 768-1769, (201) 991-3481
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Joseph Etux Mattos,Jason Mattos,Glenn J Mattos

Katherine Mattos from Escondido, CA

Age 76 b. Jan 1950 San Diego Co.
๐Ÿ“ 1244 Entrada Gl
๐Ÿ“ž (702) 732-2642, (619) 640-3301
๐Ÿ‘ค aka Giannini Katherine M, Mahos Katherine M, Mattos Katherine

Katherine Mattos from Pleasanton, CA

Jan 1900 Alameda Co.
๐Ÿ“ 3187 Halfdome Way
๐Ÿ“ž (248) 545-8983

Katherine Mattos from Washington, DC

Age 71 b. Jul 1954 District Of Columbia Co.
๐Ÿ“ 555 New Jersey Ave Nw
๐Ÿ“ž (310) 379-2028
๐Ÿ‘ค aka Katherine L Krell, Katherine L Mattos, Kate Mattos

Katherine Mattos from Northvale, NJ

Age 69 b. Mar 1957 Bergen Co.
๐Ÿ“ 162 Franklin St
๐Ÿ“ž (201) 768-1769

Katherine Mattos from Arlington, VA

Age 72 b. Feb 1954 Arlington Co.
๐Ÿ“ 5310 N Bluemont Dr
๐Ÿ“ž (703) 524-2793

Katherine Mattos

๐Ÿ“ 1305 Meadow Rd, West Sacramento Ca
๐Ÿ“ž (916) 505-9214
โœ‰๏ธ HEATHERMATTOS@SBCGLOBAL.NET

Katherine Mattos from Mount Shasta, CA

Age 102 b. Oct 1923 Siskiyou Co.
๐Ÿ“ 810 Caroline Ave C
๐Ÿ‘ค aka Mattos Kathren F

Katherine Mattos from Madera, CA

Age 64 b. Sep 1961 Madera Co.
๐Ÿ“ 87 Rosewood Cir

Katherine Mattos from Kearny, NJ

Age 69 b. Mar 1957 Hudson Co.
๐Ÿ“ 467 Highland Ave

Katherine Mattos from Lynnwood, WA

Snohomish Co.
๐Ÿ“ 501 170th Pl

Unknown Person

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 15 contact records for Katherine Mattos across 5 states. The most recent address on file is in West Sacramento, California. Of these records, 10 include phone numbers and 4 include email addresses. Ages range from 57 to 60, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Mattos Katherine K.

Valencia County

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

Katherine Ann Mattos

Republican
162 Franklin St, Northvale, 07647
DOB: 3/4/1957
County: Bergen

Katherine A Mattos

Reg: 09/01/2004
182 Maple Ridge Rd, Onalaska, WA, 98570
DOB: 02/24/1956 Gender: Female
County: LE

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for Katherine Mattos in Washington. Party affiliation is listed as R. 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.

2012 RAM RAM PICKUP 2500
ยท Registered to: Katherine Mattos
ยท VIN: 3C6UD5CL0CG272581
·
1305 Meadow Rd, West Sacramento, CA, 95691-3640
·
(916) 505-9214
2007 Honda CR-V
ยท Registered to: Katherine Mattos
ยท VIN: JHLRE487X7C045119
·
5310 N Bluemont Dr, Arlington, VA, 22203-1403
·
(202) 822-7222

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 2 vehicle registration records are associated with Katherine Mattos. Registered makes include Ram, Honda. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Integrity Lighting

Katherine Mattos
(360) 978-6027integritylight@aol.com
Ocean Shores, 98569WA

Encore Learning INC

Katherine MattosCommittee Chair and Board Member
Arlington, VA

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 2 business affiliations were found for Katherine Mattos. Companies include Integrity Lighting. Roles listed include Committee Chair and Board Member. Records are compiled from state business registries, SEC filings, and professional networking databases.

Integrity Lighting LLC

ID: 602061341
Officer: Katherine Mattos

Source: Public Records Katherine Mattos appears in 1 corporate filing from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Katherine Mattos

Dos Pueblos High School - Goleta, CA, CA
1969

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Katherine Mattos 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.

$100 Oct 25, 2004
2004
Rnc Republican National State Elections Committee
Mattos, Katherine F Retired Yreka, CA
$12 Nov 13, 2003
2004 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$22 Oct 25, 2010
2010 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$12 Sep 18, 2003
2004 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$22 Aug 30, 2012
2012 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$25 Aug 21, 2020
2020 DEM
Biden, Joe
Mattos, Katherine Retired Onalaska, WA
$22 Jul 26, 2012
2012 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$20 Jun 3, 2009
2010 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$25 Apr 13, 2019
2020 DEM
Buttigieg, Pete
Mattos, Katherine Retired Onalaska, WA
$12 Oct 21, 2002
2002 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Director Of Communications @ National Education Assn Arlington, VA
$25 Oct 20, 2008
2008
Actblue
Mattos, Katherine Communications @ National Education Assn Arlington, VA
$20 Jul 30, 2008
2008 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$12 Nov 13, 2013
2014 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$12 Aug 9, 2004
2004 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$22 Jun 11, 2010
2010 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$22 May 25, 2012
2012 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$12 Nov 23, 2004
2004 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$22 Jul 16, 2010
2010 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$22 Oct 28, 2010
2010 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$12 Oct 16, 2003
2004 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$12 Nov 20, 2007
2008 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$100 Jul 7, 2010
2010 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$12 Nov 5, 2013
2014 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$25 Dec 19, 2019
2020 DEM
Warren, Elizabeth
Mattos, Katherine Retired Onalaska, WA
$22 Sep 13, 2011
2012 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$15 Oct 22, 2020
2020 DEM
Biden, Joe
Mattos, Katherine Retired Onalaska, WA
$12 Aug 26, 2003
2004 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$22 Nov 2, 2009
2010 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$15 Sep 23, 2020
2020 DEM
Biden, Joe
Mattos, Katherine Retired Onalaska, WA
$12 Dec 16, 2004
2004 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$22 May 18, 2010
2010 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$12 Aug 8, 2013
2014 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$22 Dec 29, 2011
2012 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$22 Nov 30, 2010
2012 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$50 Aug 29, 2012
2012 328
Marylanders For Marriage Equality
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$25 May 24, 2020
2020 DEM
Biden, Joe
Mattos, Katherine Retired Onalaska, WA
$25 Oct 14, 2019
2020 DEM
Warren, Elizabeth
Mattos, Katherine Retired Onalaska, WA
$12 Nov 2, 2007
2008 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$15 Sep 30, 2020
2020 DEM
Biden, Joe
Mattos, Katherine Retired Onalaska, WA
$5 Oct 28, 2020
2020 DEM
Biden, Joe
Mattos, Katherine Retired Onalaska, WA
$12 Jun 27, 2013
2014 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$31 Oct 20, 2004
2004
Rnc Republican National State Elections Committee
Mattos, Katherine F Retired Yreka, CA
$22 Jun 7, 2012
2012 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$12 Oct 6, 2004
2004 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$22 Nov 12, 2010
2010 UNK
Nea Fund For Children And Public Education
Mattos, Katherine L Communications Counsel @ National Education Assn Arlington, VA
$20 Nov 20, 2008
2008 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$12 Jul 21, 2003
2004 UNK
Nea Fund For Children And Public Education
Mattos, Katherine Communications Counsel @ National Education Assn Arlington, VA
$25 Jan 13, 2021
2022 DEM
Sites, Jeffrey Alan
Mattos, Katherine Retired Onalaska, WA
$25 Oct 14, 2019
2020 DEM
Warren, Elizabeth
Mattos, Katherine Retired Onalaska, WA
$100 Aug 6, 2004
2004 REP
Bush, George W
Mattos, Katherine F Retired Redding, CA
$31 Oct 20, 2004
Rnc Republican National State Elections Committee
Contributor Retired Yreka, CA
-$126 Jul 27, 2020
Unknown Committee
Mattos, Katherine Arlington, VA
$45
2010 D
Kotterman, Penny
Contributor Public Relations @ Nea Arlington, VA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 53 political contribution records found for Katherine Mattos. Total disclosed contributions amount to $1,267. Recipients include Rnc Republican National State Elections Committee, Kotterman, Penny. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Katherine A Mattos

Age 60 Female
·
162 Franklin St, Northvale, NJ 07647 (Bergen County)
41.0018, -73.9486
· (201) 768-0647
Marital: Married TZ: Eastern
Occ: Healthcare Edu: Some College
Homeowner Single Family Built 1984
MP

Katherine Mattos

Age 67 Female
·
1244 Entrada Gln, Escondido, CA 92027 (San Diego County)
33.1525, -117.0580
Marital: Single TZ: Pacific
Occ: Professional Edu: High School
Single Family
MP

Katherine H Mattos

Age 55 Female
·
1305 Meadow Rd, W Sacramento, CA 95691 (Yolo County)
38.5731, -121.5320
· (916) 505-9214
Marital: Married TZ: Pacific
Occ: Healthcare Edu: High School
Homeowner Single Family Built 1954 Purchased 2007

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 3 demographic profiles associated with Katherine Mattos. 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 Katherine Mattos. These loans were issued to businesses, not individuals.

Maricela Mercer/Cela'S Creataive Learning Academy

Corporation

$67,700 Paid in Full
Address:
po Box 387
Medical Lake, WA99022
Approved

Apr 29, 2020

Forgiven

$68,338

Jobs Reported

17

Loan #

3554567309

Loan Size

Small

Hart & Mehaffey Consulting

Limited Liability Company(LLC

$22,500 Paid in Full
Address:
PO Box 387
Spokane, WA99206
Approved

Apr 15, 2020

Forgiven

$22,703

Jobs Reported

3

Loan #

9541037105

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 2 PPP loan records are linked to businesses associated with Katherine Mattos. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Katherine Mattos on the map

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Katherine Mattos in West Sacramento, CA: Background Summary

Location
1305 Meadow Rd, West Sacramento, CA 95691, West Sacramento, CA 95691
Other Locations
Escondido, CA ยท Pleasanton, CA ยท Washington, DC and 6 more
Profiles Found
15 people with this name
Phone Numbers
(916) 505-3114 and 12 others on file
Email
evamattos@comcast.net and 2 others on file
Possible Relatives
Joseph Etux Mattos, Jason Mattos, Glenn J Mattos
Career
Committee Chair and Board Member at Integrity Lighting
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
2 linked โ€” 2012 Ram Ram Pickup 2500, 2007 Honda Cr-V
Contributions
$1,267 total โ€” Kotterman, Penny, Rnc Republican National State Elections Committee
PPP Loans
$90,200 for Maricela Mercer/Cela'S Creataive Learning Academy, Hart & Mehaffey Consulting

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 Katherine Mattos. 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 Katherine Mattos

Search Complexity: High

86 public records across 7states, belonging to approximately 15 different individuals. With 15 distinct profiles across 7 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 7 states. Highest concentration: California (17%), followed by Virginia and New Jersey. Spans the West and South regions.

CA15recordsVA5recordsNJ4recordsWA2recordsNM1recordAL1record

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (65%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (19) and Voter Registration Records (2).

53
Political Contribution Records
19
Contact & Address Records
2
Voter Registration Records
2
Vehicle Registration Records
2
Business & Corporate Filings
2
PPP Loan Records

Age Distribution

Age range: approximately 46 years, suggesting multiple generations. Largest group: Senior (65+) (71%).

Senior (65+)5peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Katherine Mattos

Is Katherine Mattos a registered voter?
Yes, voter registration records show Katherine Mattos is registered with R affiliation. We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Katherine Mattos own property?
County assessor records show 1 property associated with Katherine Mattos . 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 Katherine Mattos?
Records show 2 vehicle registrations associated with Katherine Mattos, including a 2012 RAM RAM PICKUP 2500. Registered makes include Ram, 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 Katherine Mattos?
We found 2 business affiliations for Katherine Mattos, including Integrity Lighting. Business records are compiled from state registries, SEC filings, and professional databases.
Has Katherine Mattos made political donations?
FEC disclosure records show 53 reported political contributions from Katherine Mattos, totaling $1,267. Recipients include Rnc Republican National State Elections Committee and Kotterman, Penny. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Katherine Mattos?
Our database contains 86 total records for Katherine Mattos spanning 7 states. This includes 15 distinct contact records, 10 with phone numbers, 4 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 Katherine Mattos?
The 86 records displayed for Katherine Mattos 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 Katherine Mattos 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.