OpenDataUSA

Quick Navigation

Kathryn Geraghty from River Edge, NJ

Age 47 b. Nov 1978 Bergen Co.
📍 793 Summit Ave
📞 (201) 265-8498

Kathryn Geraghty from Pinellas Park, FL

Age 78 b. Apr 1948 Pinellas Co.
📍 9960 69th St
📞 (727) 541-2218

Kathryn Geraghty from Niles, MI

Age 103 b. Apr 1922 Berrien Co.
📍 219 S State St
📞 (708) 849-0616

Kathryn Geraghty from Burke, VA

Age 74 b. Jan 1952 Fairfax Co.
📍 10428 Heritage Landing Rd
📞 (703) 250-8712

Kathryn Geraghty from Lisle, IL

Age 62 b. 1964 Du Page Co.
📍 6609 Timbertrails Rd
📞 (630) 305-8688

Kathryn Geraghty from Chicago, IL

Female
📍 3710 N Pine Grove Ave
📞 (312) 399-6857 (SPRINT)

Kathryn Geraghty from Newport Beach, CA

Age 41 b. 1985 Female
📍 1424 Colony Plz
📞 (404) 352-4411

Kathryn Geraghty from Briarcliff Manor, NY

Age 40 b. Oct 1985
📍 29 Quinn Rd
👤 aka Kathryn P Malone, Kathleen M Geraghty

Kathryn Geraghty from Gloversville, NY

Age 66 b. Jun 1959 Fulton Co.
📍 32 Elmwood Ave

Kathryn Geraghty from Flagstaff, AZ

Age 28 b. Feb 1998
📍 2789 W Pico Del Monte Cir Apt 92887

Kathryn Geraghty from Bayport, NY

Age 32 b. Dec 1993
📍 145 Academy St

Kathryn Geraghty from Pinellas Park, FL

Age 78 b. Apr 1948 Pinellas Co.
📍 9960 69th St B

Kathryn Geraghty from Pearl River, NY

Age 37 b. Aug 1988
📍 1 Glen Ct
👤 aka Kathryn M Alfonso, Katie M Alfonso

Kathryn Geraghty from Rochester, MN

Age 48 b. Sep 1977 Olmsted Co.
📍 2339 Haling Ct

Kathryn Geraghty from Denver, CO

Age 41 b. Jan 1985
📍 801 S Cherry St Apt 172
👤 aka Kate Leigh Geraghty

Kathryn Geraghty from Bronx, NY

Age 65 b. Jan 1961 Bronx Co.
📍 96 Fordham St

Kathryn Geraghty from New York, NY

Age 46 b. 1980 New York Co.
📍 5 Saint Marks Pl Apt 14

Kathryn Geraghty from Old Westbury, NY

Nassau Co.
📍 Po Box 440
📞 (812) 944-5758

Kathryn Geraghty from Burke, VA

Fairfax Co.
📍 10428 Heritage Ldg

Kathryn Geraghty from Chicago, IL

Cook Co.
📍 331 W Dickens Ave Unit 1
👤 aka Kathryn Stevenson

Kathryn Geraghty from Roslyn Heights, NY

Nassau Co.
📍 39 Entrance Rd

Kathryn Geraghty from Gloversville, NY

Fulton Co.
📍 26 Spruce St

Kathryn Geraghty from Howell, NJ

Monmouth Co.
📍 1 Stowe Ln

Kathryn Geraghty from Lafayette, IN

Tippecanoe Co.
📍 238 Cadillac Dr

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 24 contact records for Kathryn Geraghty across 11 states. The most recent address on file is in River Edge, New Jersey. Of these records, 8 include phone numbers. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Kathryn L Geraghty

2024 Fulton County
· W Stoner Lk, Caroga

Kathryn L Geraghty

2021 Fulton County
· 250 County Hwy 137, Caroga

Kathryn L Geraghty

2023 Fulton County
· W Stoner Lk, Caroga

Kathryn L Geraghty

2022 Fulton County
· W Stoner Lk, Caroga

Kathryn L Geraghty

2022 Fulton County
· 250 County Hwy 137, Caroga

Kathryn L Geraghty

2024 Fulton County
· 250 County Hwy 137, Caroga

Kathryn L Geraghty

2023 Fulton County
· 118 W Stoner Lk, Caroga

Kathryn Geraghty

2023 Rockland County
· 1 Glen, Orangetown

Kathryn L Geraghty

2021 Fulton County
· W Stoner Lk, Caroga

Kathryn L Geraghty

2021 Fulton County
· 118 W Stoner Lk, Caroga

Kathryn L Geraghty

2022 Fulton County
· 118 W Stoner Lk, Caroga

Kathryn L Geraghty

2023 Fulton County
· 250 County Hwy 137, Caroga

Kathryn P Geraghty

2021 Westchester County
· 29 Quinn, Ossining

Kathryn L Geraghty

2024 Fulton County
· 118 W Stoner Lk, Caroga

Kathryn L Geraghty

2021 Fulton County
· W Stoner Lk, Caroga

Kathryn Geraghty

2021 Rockland County
· 1 Glen, Orangetown

Kathryn P Geraghty

2023 Westchester County
· 29 Quinn, Ossining

Kathryn L Geraghty

2023 Fulton County
· W Stoner Lk, Caroga

Kathryn Geraghty

2022 Rockland County
· 1 Glen, Orangetown

Kathryn L Geraghty

2024 Fulton County
· W Stoner Lk, Caroga

Kathryn L Geraghty

2022 Fulton County
· W Stoner Lk, Caroga

Kathryn Geraghty

2024 Rockland County
· 1 Glen, Orangetown

Kathryn P Geraghty

2022 Westchester County
· 29 Quinn, Ossining

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 23 property records linked to Kathryn Geraghty. Values shown are from county assessor records and may differ from current market prices.

Kathryn S Geraghty

9960 69th St, Pinellas Park, , 33782

Kathryn Geraghty

Reg: 305741790
5 St Mark'S Place 14, 10003
DOB: 19770911 Gender: Female

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Kathryn Geraghty in . Voter data is released as public information under state election laws and reflects status at time of the state data release.

2011 Cadillac SRX
· Registered to: Kathryn Geraghty
· VIN: 3GYFNAEY3BS584481
·
9960 69th St N, Pinellas Park, FL, 33782
·
(727) 541-2218
2018 Mazda Cx-5
· Registered to: Kathryn Geraghty
· VIN: JM3KFBCM5J0449281
·
801 S Cherry St Apt 172, Denver, CO, 80246
2011 Volvo XC70
· Registered to: Kathryn Geraghty
· VIN: YV4952BZ4B1113055
·
10428 Heritage Landing Rd, Burke, VA, 22015-2553
·
(703) 250-8712

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 3 vehicle registration records are associated with Kathryn Geraghty. Registered makes include Cadillac, Mazda, Volvo. The most recent model year on record is 2018. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Inventiv Health

+12019376022kathryn.geraghty@inventivhealth.com

Kathryn Geraghty

United States
LinkedIn

Kathryn Geraghty

Greater New York City Area

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 15 business affiliations were found for Kathryn Geraghty. Roles listed include Null and Leadership Development. Records are compiled from state business registries, SEC filings, and professional networking databases.

🏛️

Kathryn Geraghty

2020
Senior Police Administrative Aide
Department: Police Department
💵 Pay: $54,095.00

Source: City/State Transparency Portals · Government Payroll Databases · Open Data Portals Kathryn Geraghty appears in 1 government employment record from city, state, or federal transparency portals. Salary figures reflect taxpayer-funded public employee compensation and may not include overtime or benefits.

Kathryn Geraghty

Campolindo High School - Moraga, CA, CA
2003

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Kathryn Geraghty 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.

$0 Oct 2, 1997
1998
Teachers For Better Public Schools
Geraghty, Kathryn Pinellas Park, FL
$150 Oct 8, 2016
2016 DEM
Sparks, David
Geraghty, Kathryn Unemployed Burke, VA
$50 Apr 19, 2020
2020 DEM
Biden, Joe
Geraghty, Kathryn Not Employed Burke, VA
$5 Jun 15, 2012
2012
Pcta Pespa Pac
Geraghty, Kathryn Teacher Pinellas Park, FL
$10 Oct 9, 2020
2020 DEM
Harrison, Jaime
Geraghty, Kathryn Subset Aide @ Lausd Los Angeles, CA
$50 Oct 14, 2020
2020 DEM
Dscc
Geraghty, Kathryn Not Employed Burke, VA
$5 Oct 10, 2012
2012
Pcta Pespa Pac
Geraghty, Kathryn Teacher Pinellas Park, FL
$10 Oct 9, 2020
DEM
Harrison, Jaime
Contributor Subset Aide @ Lausd Los Angeles, CA
$150
2016 DEM
Sparks, David
Contributor Unemployed Burke, VA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 9 political contribution records found for Kathryn Geraghty. Total disclosed contributions amount to $430. Recipients include Harrison, Jaime, Sparks, David. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Kathryn Geraghty

Female
·
802 39th St SW, Rochester, MN 55902 (Olmsted County)
43.9660, -92.4762
Marital: Single TZ: Central
Single Family
MP

Kathryn Geraghty

Age 45 Female
·
6609 Timbertrails Rd, Lisle, IL 60532 (Dupage County)
41.7656, -88.0959
· (773) 383-0843
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Built 1978 Purchased 2003
MP

Kathryn M Geraghty

Age 28 Female
·
5238 N Falls Church Ct, South Bend, IN 46614 (St Joseph County)
41.6200, -86.2299
· (219) 678-8471
Marital: Single TZ: Eastern
Homeowner Single Family Built 1976
MP

Kathryn Geraghty

Age 48 Female
·
945 Foxchase Dr, San Jose, CA 95123 (Santa Clara County)
37.2538, -121.8720
Marital: Single TZ: Pacific
Multi-Family
MP

Kathryn Geraghty

Age 56 Female
·
1376 Midland Ave, Bronxville, NY 10708 (Westchester County)
40.9286, -73.8436
Marital: Single TZ: Eastern
Multi-Family
MP

Kathryn K Geraghty

Age 65 Female
·
10428 Heritage Landing Rd, Burke, VA 22015 (Fairfax County)
38.7847, -77.3089
· (703) 250-8712
Marital: Married TZ: Eastern
Homeowner Single Family Built 1982 Purchased 1982
MP

Kathryn C Geraghty

Age 51 Female
·
2924 Eccleston Ave, Walnut Creek, CA 94597 (Contra Costa County)
37.9315, -122.0690
· (925) 370-0512
Marital: Married TZ: Pacific
Homeowner Single Family Built 1949 Purchased 2011
MP

Kathryn L Geraghty

Age 58 Female
·
26 Spruce St, Gloversville, NY 12078 (Fulton County)
43.0492, -74.3297
· (518) 725-1539
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1917
MP

Kathryn K Geraghty

Age 32 Female
·
4246 Suzanne Dr, Pittsburg, CA 94565 (Contra Costa County)
37.9952, -121.8790
· (925) 262-3511
Marital: Married TZ: Pacific
Edu: High School
Homeowner Single Family Built 1977 Purchased 2015
MP

Kathryn S Geraghty

Age 69 Female
·
9960 69th St N, Pinellas Park, FL 33782 (Pinellas County)
27.8617, -82.7324
· (727) 641-1372
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1977 Purchased 1978
MP

Kathryn E Geraghty

Age 23 Female
·
900 S Victoria Ave, Los Angeles, CA 90019 (Los Angeles County)
34.0560, -118.3240
· (323) 434-4900
Marital: Single TZ: Pacific
Homeowner Single Family Built 1922 Purchased 2011

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 11 demographic profiles associated with Kathryn Geraghty. 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 Kathryn Geraghty. These loans were issued to businesses, not individuals.

Eduardo Fabian

Independent Contractors

$6,658 Paid in Full
Address:
3710 N Pine Grove Ave Apt 307
Chicago, IL60613-4153
Approved

Apr 8, 2021

Forgiven

$6,687

Jobs Reported

1

Loan #

9105968701

Loan Size

Small

Anne McGrath

Limited Liability Company(LLC

$20,833 Paid in Full
Address:
26 Spruce St
Southport, CT06890-1443
Approved

Jan 25, 2021

Forgiven

$20,973

Jobs Reported

1

Loan #

5794728303

Loan Size

Small

Ahmet Goktas

Independent Contractors

$19,856 Paid in Full
Address:
26 Spruce St
Watertown, MA02472-1904
Approved

Mar 15, 2021

Forgiven

$19,936

Jobs Reported

1

Loan #

2866738607

Loan Size

Small

Sunshine International Foods, INC.

Subchapter S Corporation

$76,800 Paid in Full
Address:
26 Spruce St
Methuen, MA01844-4336
Approved

Apr 28, 2020

Forgiven

$77,510

Jobs Reported

9

Loan #

6392487200

Loan Size

Small

Lawwriting.com

Sole Proprietorship

$7,300 Paid in Full
Address:
160 West 66 Street 44G
New York, NY10023
Approved

Apr 16, 2020

Forgiven

$7,341

Jobs Reported

1

Loan #

2662827209

Loan Size

Small

Heba Hussein

Independent Contractors

$1,039 Paid in Full
Address:
3710 N Pine Grove Ave Apt 320
Chicago, IL60613-4152
Approved

Apr 15, 2021

Forgiven

$1,043

Jobs Reported

1

Loan #

3806028805

Loan Size

Small

Sunshine International Foods INC.

Subchapter S Corporation

$76,800 Paid in Full
Address:
26 Spruce St
Methuen, MA01844-4336
Approved

Mar 8, 2021

Forgiven

$77,316

Jobs Reported

9

Loan #

8022608502

Loan Size

Small

Inner Brand Solutions, LLC

Limited Liability Company(LLC

$20,832 Paid in Full
Address:
26 Spruce St
Southport, CT06890
Approved

Apr 27, 2020

Forgiven

$21,006

Jobs Reported

1

Loan #

4266527210

Loan Size

Small

Ljuba Trans INC.

Corporation

$5,730 Paid in Full
Address:
3710 N Pine Grove Ave Apt 522
Chicago, IL60613-4103
Approved

Aug 2, 2020

Forgiven

$5,781

Jobs Reported

2

Loan #

2490378204

Loan Size

Small

Heba Hussein

Independent Contractors

$1,039 Paid in Full
Address:
3710 N Pine Grove Ave Apt 320
Chicago, IL60613-4103
Approved

Mar 23, 2021

Forgiven

$1,044

Jobs Reported

1

Loan #

7167208605

Loan Size

Small

Lex 18 INC

Corporation

$120,495 Paid in Full
Address:
5 Saint Marks Pl
New York, NY10003-7802
Approved

May 3, 2020

Forgiven

$121,541

Jobs Reported

16

Loan #

9850467305

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 11 PPP loan records are linked to businesses associated with Kathryn Geraghty. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Kathryn Geraghty 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
7
2
4
4
2
1
2
3
12
4

Found 42 results across 11 states

Fewer
More

Kathryn Geraghty in River Edge, NJ: Background Summary

Location
793 Summit Ave, River Edge, NJ 07661
Other Locations
Pinellas Park, FL · Niles, MI · Burke, VA and 16 more
Profiles Found
24 people with this name
Phone Numbers
(201) 265-8498 and 7 others on file
Career
Leadership Development, Associate Portfolio Manager
Vehicles
3 linked — 2011 Cadillac Srx, 2018 Mazda Cx-5 and 1 more
Contributions
$430.49 total — Sparks, David, Harrison, Jaime
PPP Loans
$357K for Eduardo Fabian, Anne McGrath

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 Kathryn Geraghty. Because public records are indexed by name rather than by a unique identifier, the 102 results displayed here may include information belonging to multiple individuals who share the same name — a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Property Records

Property records originate from county assessor and recorder offices, where real estate transactions, ownership transfers, and tax assessments are documented as a matter of public record. The assessed value shown for a property is the figure used by the county to calculate property taxes and frequently differs from the property's current market value — in many jurisdictions assessed values lag behind market conditions by several years. A property record updates whenever a new deed, lien, or assessment is filed with the county, so the ownership and valuation data shown here reflects the most recent filing available in our sources rather than a real-time snapshot.

Voter Registration

Voter registration data is maintained by state and county election offices and is considered public record under the election laws of most states. The party affiliation shown reflects the voter's registration at the time the record was filed; it does not necessarily indicate current political preferences, as voters may change their affiliation or register differently in subsequent elections. Not all states make their voter files publicly available — some restrict access or redact certain fields such as date of birth or residential address — so the completeness of voter data varies by state. Registration status (active or inactive) indicates whether the election office considers the registration current, not whether the person actually voted in recent elections.

Business and Professional Records

Business records are compiled from state Secretary of State filings, SEC EDGAR corporate disclosures, and professional networking data. When a person appears as an officer, director, or registered agent, it reflects a formal role filed with a government agency — these are legal positions of responsibility, not informal job titles. Records sourced from professional profiles represent information that individuals have chosen to make publicly available about their career history, skills, and affiliations. Business entity registrations show current or historical standing with the state, but a listing does not guarantee the entity is still actively operating.

Campaign Finance Contributions

Federal election law requires the disclosure of political contributions exceeding $200 to any single committee in a calendar year. These records are filed with the Federal Election Commission (FEC) and include the donor's name, mailing address, employer, occupation, and the amount contributed. Contributions to state and local candidates are governed by each state's campaign finance laws, which may set different disclosure thresholds. The data shown here reflects what was reported in official filings and may include contributions made over the course of many election cycles, so the dates and amounts should be read in their historical context.

Vehicle Records

Vehicle ownership records are obtained through sources that comply with the Driver's Privacy Protection Act (DPPA), the federal law that governs who may access motor vehicle records and for what purposes. The records shown indicate vehicles that have been registered to this individual through state DMV systems. Vehicle data may include make, model, year, and VIN, and reflects registration information at the time the record was filed. Vehicles that have been sold, traded, or transferred may still appear until the registration is updated in the state's records.

Important Limitations

Public records may contain outdated information, data entry errors, or records that belong to a different person who shares the same name as the individual you are researching. Government agencies update their records on varying schedules, and the data shown here may not reflect the most recent changes. Information on this page is provided for informational purposes only and should not be used for employment screening, tenant screening, credit decisions, or any other purpose regulated by the Fair Credit Reporting Act (FCRA). Always verify critical details through the originating government agency or official registry.

Your Rights

If you are the person described in these records, you have rights regarding your personal data. Under laws including the California Consumer Privacy Act (CCPA) and similar state privacy statutes, you may request the deletion or correction of your personal information. To submit a removal request, visit our opt-out page. For a complete description of how we collect, use, and protect personal data, please review our privacy policy.

Search Results Analysis for Kathryn Geraghty

Search Complexity: High

102 public records across 11states, belonging to approximately 24 different individuals. With 24 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: New York (12%), followed by California and Illinois. Spans the Northeast and West regions.

NY12recordsCA7recordsIL4recordsVA4recordsFL4recordsNJ3records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (29%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Property Ownership Records (23) and Business & Corporate Filings (15).

26
Contact & Address Records
23
Property Ownership Records
15
Business & Corporate Filings
11
PPP Loan Records
9
Political Contribution Records
3
Vehicle Registration Records

Age Distribution

Age range: approximately 76 years, suggesting multiple generations. Largest group: Senior (65+) (38%).

Senior (65+)5peopleMiddle-Age (40-64)5peopleYounger Adult (25-39)3people

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

Frequently Asked Questions About Kathryn Geraghty

Is Kathryn Geraghty a registered voter?
Yes, voter registration records show Kathryn Geraghty is registered in . 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 Kathryn Geraghty own property?
County assessor records show 23 properties associated with Kathryn Geraghty . 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 Kathryn Geraghty?
Records show 3 vehicle registrations associated with Kathryn Geraghty, including a 2011 Cadillac SRX. Registered makes include Cadillac, Mazda, Volvo. 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 Kathryn Geraghty?
We found 15 business affiliations for Kathryn Geraghty (null). Business records are compiled from state registries, SEC filings, and professional databases.
Has Kathryn Geraghty made political donations?
FEC disclosure records show 9 reported political contributions from Kathryn Geraghty, totaling $430. Recipients include Harrison, Jaime and Sparks, David. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Kathryn Geraghty?
Our database contains 102 total records for Kathryn Geraghty spanning 11 states. This includes 24 distinct contact records, 8 with phone numbers. 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 Kathryn Geraghty?
The 102 records displayed for Kathryn Geraghty 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 Kathryn Geraghty 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.