Leo Gildea

Age 62 b. 1963-12-16
๐Ÿ“ 34136 Rosslyn, Westland Mi 48185
๐Ÿ“ž (734) 664-7530, (734) 751-5645
โœ‰๏ธ LEO.GILDEA@HOTMAIL.COM, leo.gildea@hotmail.com

Leo Gildea from Jupiter, FL

Age 71
๐Ÿ“ 19279 Riverside Dr, Jupiter, FL 33469
๐Ÿ“ž (508) 428-1495, (508) 428-1495, (508) 965-8594, (508) 420-4893

Leo Gildea from Sheridan, IL

Male
๐Ÿ“ 3915 E 2589th Rd
๐Ÿ“ž (815) 592-0222 (VERIZON WIRELESS), (815) 496-2404

Leo Gildea from Bethel Park, PA

Age 86 b. Apr 1939 Allegheny Co.
๐Ÿ“ 1163 Logan Rd
๐Ÿ“ž (412) 854-4649

Leo Gildea

๐Ÿ“ 3915 E 2589th Rd, Sheridan Il
๐Ÿ“ž (815) 496-2404, (630) 631-7229
โœ‰๏ธ GILDEA9988@MSN.COM

Leo Francis Gildea from Jupiter, FL

Age 79
๐Ÿ“ 19279 N Riverside Dr, Jupiter, FL 33469
๐Ÿ“ž (561) 277-9178

Leo Gildea from Ashley, PA

Age 104 b. May 1921 Luzerne Co.
๐Ÿ“ 2 Green St
๐Ÿ“ž (717) 825-0630

Leo Gildea from Westland, MI

Age 62 b. Dec 1963 Wayne Co.
๐Ÿ“ 31510 Aipena
๐Ÿ“ž (614) 252-8643

Leo Gildea from Rochelle, IL

Age 88 b. Apr 1937 Ogle Co.
๐Ÿ“ 1323 8th Ave
๐Ÿ“ž (815) 562-6906

Leo Gildea from Bethel Park, PA

Age 86 b. Apr 1939 Allegheny Co.
๐Ÿ“ 542 Florence Dr
๐Ÿ“ž (412) 833-8162

Leo Gildea from Osterville, MA

Age 82 b. Nov 1943 Barnstable Co.
๐Ÿ“ 521 Bumpsriver Rd

Leo Gildea from Seward, NE

Age 104 b. Jan 1922 Seward Co.
๐Ÿ“ 919 N 11th St R 3

Leo Gildea from Bethel Park, PA

Allegheny Co.
๐Ÿ“ 4596 School St

Leo Gildea from Ankeny, IA

Polk Co.
๐Ÿ“ 217 Nw College Ave Apt 8

Leo Gildea from Somonauk, IL

De Kalb Co.
๐Ÿ“ ST

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 15 contact records for Leo Gildea across 7 states. The most recent address on file is in Sheridan, Illinois. Of these records, 10 include phone numbers and 2 include email addresses. Ages range from 71 to 79, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Gildea Leo F

Palm Beach County
PIN: 60424036040030141
· 19279 Riverside Dr, Jupiter 33469
Value: $1,630,014

Gildea Leo J & Ellen M (w)

Allegheny County
· 3651 Snowden Rd, South-Park
Sale: $186,000 (4292005.0)

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

Leo J Gildea

Republican Reg: 10/01/1988
3651 Snowden Rd, South Park, PA, 15129
DOB: 06/19/1970 Gender: Male

Leo Francis Gildea

400 S U S Hwy 1, Jupiter, , 33477

Leo J Gildea

3651 Snowden Rd
DOB: 06/19/1970 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 3 voter registration records were found for Leo Gildea in Pennsylvania, . 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.

2013 Buick Enclave
ยท Registered to: Leo Gildea
ยท VIN: 5GAKVDKDXDJ112985
·
1048 Turkington Ter, Rochelle, IL, 61068
·
(815) 528-5424
2012 BMW 7-Series
ยท Registered to: Leo Gildea
ยท VIN: WBAKC8C5XCC437641
·
Box 2060/Oyster Harb, Osterville, MA, 02655
·
(508) 367-8000
2005 Ford F150
ยท Registered to: Leo Gildea
ยท VIN: 1FTRF14W55NA57508
·
3915 E 2589Th Rd, Sheridan, IL, 60551-9582
·
(815) 496-2404
2018 BUICK ENCLAVE
ยท Registered to: Leo Gildea
ยท VIN: 5GAKVDKDXIJ112985
·
1048 Turkington Ter, Rochelle, IL, 61068-1732
·
(815) 528-5424
2009 FORD FOCUS
ยท Registered to: Leo Gildea
ยท VIN: 1FAHP34N19W237912
·
542 Florence Dr, Bethel Park, PA, 15102-1455
ยท Registered to: Leo Gildea
·
2060 Oyster Hbr, Osterville, MA, 02655

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 6 vehicle registration records are associated with Leo Gildea. Registered makes include Buick, Bmw, Ford, N. 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.

Cape Cod Wheelchair Transit

Owner
(508) 775-2066
West Yarmouth, MA
Suburban, Local Transit and Interurban Highway Passenger Transport (Transportation)

Slide Tech Inc

President
(815) 496-2404
Somonauk, IL
Wholesale Trade - Durable Goods (Products)

Medical Services Ambulance

President
Osterville, MA
Suburban, Local Transit and Interurban Highway Passenger Transport (Transportation)

Oyster Harbors Club INC

Leo GildeaDirector
Osterville, MA

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 4 business affiliations were found for Leo Gildea. Companies include Cape Cod Wheelchair Transit, Slide Tech Inc, Medical Services Ambulance. Roles listed include Director. Records are compiled from state business registries, SEC filings, and professional networking databases.

Leo J Gildea

Addr: Ankeny, IA, 50021
Registered Agent: Leo J Gildea

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo

Addr: Ave E, Rochelle, IL, 61068
IL

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo

Addr: Ave E, Rochelle, IL, 61068
IL

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo

Addr: Ave E, Rochelle, IL, 61068
IL

Gildea, Leo

Addr: Ave E, Rochelle, IL, 61068
IL

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Gildea, Leo J

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA

Unknown Corporation

SOC SIGNATORY: Leo F. Gildea

Unknown Corporation

Addr: 83 Oyster Way, Oyster Harbors, Osterville, MA
MA
MANAGER: Leo F. Gildea

Leo J Gildea

Addr: 214 NW Kline St, Ankeny, IA, 50021
IA
Agent: Leo J Gildea

Source: Public Records Leo Gildea appears in 24 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$200 May 1, 2001
2002 DEM
Finneran, Thomas M
Gildea, Leo F President @ Cape Cod Medical Ent Osterville, MA
$100 Aug 15, 1997
1998 DEM
Harshbarger, Scott
Gildea, Leo Retired Osterville, MA
$100 Jun 24, 1998
1998 DEM
Turner, Kevin
Gildea, Leo Unk
$200 Dec 12, 2003
2004 DEM
Murray, Therese
Gildea, Leo Osterville, MA
$250 Aug 7, 2010
2010 REP
Perry, Jeffrey Davis
Gildea, Leo F Osterville, MA
$300 Mar 12, 2002
2002 DEM
Rogers, John H
Gildea, Leo Osterville, MA
$200 Oct 23, 2004
2004 DEM
Murray, Therese
Gildea, Leo Letter Sent 121704 Osterville, MA
$100 Jul 9, 2001
2002 DEM
Murray, Therese
Gildea, Leo F Osterville, MA
$100 May 19, 1997
1998 DEM
Harshbarger, Scott
Gildea, Leo Osterville, MA
$200 Aug 13, 2003
2004 DEM
Murray, Therese
Gildea, Leo Osterville, MA
$200 Aug 30, 1993
1994 DEM
Kennedy, Edward M
Gildea, Leo F Cape Cod Ambulance Osterville, MA
$200 Oct 17, 2004
2004 N
Bergeson, Terry Teresa M
Gildea, Leo Cape Cod Medical Enterprises Osterville, MA
$100 Jun 24, 1998
DEM
Turner, Kevin
Contributor Unk
$250 Aug 7, 2010
Unknown Committee
Gildea, Leo F Requested @ Information Requested Osterville, MA
$200
2004 D
Murray, Therese
Contributor Osterville, MA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 15 political contribution records found for Leo Gildea. Total disclosed contributions amount to $2,700. Recipients include Turner, Kevin, Murray, Therese. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Leo Gildea

Age 74 Male
·
400 S US Highway 1, Jupiter, FL 33477 (Palm Beach County)
26.9301, -80.0788
· (561) 277-9178
Marital: Married TZ: Eastern
Multi-Family
MP

Leo A Gildea

Age 50 Male
·
3915 E 2589th Rd, Sheridan, IL 60551 (La Salle County)
41.5032, -88.6801
· (815) 592-0222
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family
MP

Leo J Gildea

Age 80 Male
·
1048 Turkington Ter, Rochelle, IL 61068 (Ogle County)
41.9314, -89.0608
Marital: Married TZ: Central
Occ: White Collar Edu: Graduate School
Homeowner Single Family
MP

Leo J Gildea

Age 78 Male
·
3651 Snowden Rd, South Park, PA 15129 (Allegheny County)
40.2791, -79.9676
· (724) 348-5166
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 4 demographic profiles associated with Leo Gildea. 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 Leo Gildea. These loans were issued to businesses, not individuals.

Brown Printers Company, LLC

Limited Liability Company(LLC

$20,082 Paid in Full
Address:
1000 N Us Highway 1 Apt 776
Jupiter, FL33477-4303
Approved

May 9, 2020

Forgiven

$20,242

Jobs Reported

1

Loan #

4407297403

Loan Size

Small

Richard Morits

Independent Contractors

$4,153 Paid in Full
Address:
1000 N US Highway 1 A102
Jupiter, FL33477-4481
Approved

Feb 11, 2021

Forgiven

$4,173

Jobs Reported

1

Loan #

7114908403

Loan Size

Small

Ar Services LLC

Limited Liability Company(LLC

$24,060 Paid in Full
Address:
1000 N US Highway 1
Jupiter, FL33477-4481
Approved

Apr 22, 2021

Forgiven

$24,179

Jobs Reported

2

Loan #

8524578800

Loan Size

Small

Risk Managers INC

Corporation

$12,385 Paid in Full
Address:
1000 N Us Highway 1 742
Jupiter, FL33477-4300
Approved

Jul 9, 2020

Forgiven

$12,476

Jobs Reported

1

Loan #

1221008108

Loan Size

Small

Rb Executive Search

Limited Liability Company(LLC

$10,653 Paid in Full
Address:
1000 N Us Highway 1 Apt 789
Jupiter, FL33477-4301
Approved

Apr 30, 2020

Forgiven

$10,731

Jobs Reported

1

Loan #

6576627308

Loan Size

Small

Wavelength LLC

Partnership

$3,767 Paid in Full
Address:
1000 N US Highway 1 Ste 902
Jupiter, FL33477-4451
Approved

Apr 6, 2021

Forgiven

$3,792

Jobs Reported

2

Loan #

7631628705

Loan Size

Small

Knight Performance Therapy

Limited Liability Company(LLC

$4,294 Paid in Full
Address:
1000 N Us Highway 1 Apt 811
Jupiter, FL33477-4404
Approved

May 5, 2020

Forgiven

$4,331

Jobs Reported

1

Loan #

2210487409

Loan Size

Small

Florida Keys Resort LLC

Partnership

$66,891 Paid in Full
Address:
1000 N US Highway 1 Ste 902
Jupiter, FL33477-4451
Approved

Mar 16, 2021

Forgiven

$67,155

Jobs Reported

11

Loan #

2907718609

Loan Size

Small

Betty Gearhart DBA Betty S Gearhart

Sole Proprietorship

$20,832 Paid in Full
Address:
1000 N Us Highway 1, Unit A102
Jupiter, FL33477
Approved

Jun 19, 2020

Forgiven

$20,978

Jobs Reported

1

Loan #

9064717910

Loan Size

Small

Christopher Haass

Independent Contractors

$20,833 Paid in Full
Address:
1000 N US Highway 1 Apt 751
Jupiter, FL33477-4453
Approved

Feb 5, 2021

Forgiven

$20,981

Jobs Reported

1

Loan #

4034928405

Loan Size

Small

Christopher Haass

Independent Contractors

$20,832 Paid in Full
Address:
1000 N US Highway One Apt 751
Jupiter, FL33477
Approved

May 20, 2020

Forgiven

$20,965

Jobs Reported

1

Loan #

9767287407

Loan Size

Small

Jet Shades LLC

Sole Proprietorship

$10,412 Paid in Full
Address:
1000 N US Highway 1 Apt 716
Jupiter, FL33477-4403
Approved

Feb 20, 2021

Forgiven

$10,462

Jobs Reported

1

Loan #

2174908500

Loan Size

Small

A R Services LLC

Limited Liability Company(LLC

$24,060 Paid in Full
Address:
1000 N US Highway 1 Apt 750
Jupiter, FL33477-4453
Approved

Feb 6, 2021

Forgiven

$24,171

Jobs Reported

2

Loan #

4190448405

Loan Size

Small

Betty Gearhart

Sole Proprietorship

$20,833 Paid in Full
Address:
1000 N US Highway 1 Unit A102
Jupiter, FL33477-4461
Approved

Jan 27, 2021

Forgiven

$20,975

Jobs Reported

1

Loan #

6599438309

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 14 PPP loan records are linked to businesses associated with Leo Gildea. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Leo Gildea on the map

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Leo Gildea in Westland, MI: Background Summary

Location
34136 Rosslyn, Westland Mi 48185, Westland, MI
Other Locations
Sheridan, IL ยท Bethel Park, PA ยท Jupiter, FL and 6 more
Profiles Found
15 people with this name
Phone Numbers
(734) 664-7530 and 11 others on file
Email
leo.gildea@hotmail.com and 1 other on file
Possible Relatives
Linda F Gildea, Linda A Gildea, Rt Gildea, Kaitlyn Ann Gildea, Jennifer Lynn Gildea and 4 more
Career
Director at Cape Cod Wheelchair Transit, Slide Tech Inc
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
6 linked โ€” 2013 Buick Enclave, 2012 Bmw 7-Series and 4 more
Contributions
$2,700 total โ€” Murray, Therese, Turner, Kevin
PPP Loans
$264K for Brown Printers Company, LLC, Richard Morits

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 Leo Gildea. Because public records are indexed by name rather than by a unique identifier, the 94 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 Leo Gildea

Search Complexity: High

94 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: Iowa (19%), followed by Illinois and Massachusetts. Spans the Midwest and Northeast regions.

IA18recordsIL14recordsMA9recordsPA7recordsFL5recordsMI3records

Record Type Breakdown

Data spans 8 record categories. Largest: Corporate Records (27%), which show business formation details and officer positions. Also includes Contact & Address Records (22) and Political Contribution Records (15).

24
Corporate Records
22
Contact & Address Records
15
Political Contribution Records
14
PPP Loan Records
6
Vehicle Registration Records
4
Business & Corporate Filings

Age Distribution

Age range: approximately 42 years, suggesting multiple generations. Largest group: Senior (65+) (88%).

Senior (65+)7peopleMiddle-Age (40-64)1person

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

Frequently Asked Questions About Leo Gildea

Is Leo Gildea a registered voter?
Yes, voter registration records show Leo Gildea is registered in Pennsylvania with R affiliation. We found 3 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Leo Gildea own property?
County assessor records show 2 properties associated with Leo Gildea . 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 Leo Gildea?
Records show 6 vehicle registrations associated with Leo Gildea, including a 2013 Buick Enclave. Registered makes include Buick, Bmw, Ford, N. 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 Leo Gildea?
We found 4 business affiliations for Leo Gildea, including Cape Cod Wheelchair Transit. Other companies include Slide Tech Inc, Medical Services Ambulance. Business records are compiled from state registries, SEC filings, and professional databases.
Has Leo Gildea made political donations?
FEC disclosure records show 15 reported political contributions from Leo Gildea, totaling $2,700. Recipients include Turner, Kevin and Murray, Therese. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Leo Gildea?
Our database contains 94 total records for Leo Gildea spanning 7 states. This includes 15 distinct contact records, 10 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 Leo Gildea?
The 94 records displayed for Leo Gildea 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 Leo Gildea 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.