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Lloyd Coward

Age 82 b. 1943-12-11
📍 8036 S Saint Lawrence Ave Fl 2, Chicago Il
📞 (773) 910-6638, (773) 610-0739
✉️ LCOWARD@SBCGLOBAL.NET, lcoward@sbcglobal.net, kelsetco@gmail.com

Lloyd Coward from Washington, DC

Age 68 b. Nov 1957 District Of Columbia Co.
📍 905 Webster St Nw
📞 (202) 829-0640, (202) 545-8953, (202) 494-7084

Lloyd Coward from New City, NY

Age 53
📍 20 Inverness Dr, New City, NY 10956
📞 (845) 638-9052, (201) 816-1012, (201) 569-8634
👨‍👩‍👧 Relatives: Lois H Coward,Tracy Coward,Lesile R Coward,Denise A Coward,Lawrence E Coward,Louise H Coward,Jessie Coward,Denise A Coward,Jessie Coward

Lloyd Coward from New City, NY

Age 93 b. May 1932 Rockland Co.
📍 26 Snowdrop Dr
📞 (541) 247-8024, (845) 638-9052

Lloyd Coward from Brooklyn, NY

Age 24
📍 830 Brooklyn Ave, Brooklyn, NY 11203
📞 (202) 829-0640, (202) 829-1925, (202) 494-7084, (202) 829-0640
👨‍👩‍👧 Relatives: Antoinette Mn Coward,Antoinette Mcneillcoward,Grace Coward
🏪 1213 Penn Street Ne Llc, 1307 East Capitol Street Llc, 1727 U Street Llc, 1832 Newton Street Llc, 23 Bates Street Llc, 2833 Georgia Nw Llc, 3501 14th Street N W Llc, 3509 14th Street Llc, 7709 Georgia Avenue Llc, Ashford Manor Llc, Newton Street Llc, 3501 14th Street Nw Llc, Gainesville Street Llc, 2100 14th Street Llc, 2833 Georgia Nw, Llc, 1213 Penn Street, Ne, Llc

Lloyd Coward from Fort Washington, MD

Age 53 b. Nov 1972
📍 2313 Thornknoll Dr
📞 (301) 248-8994
👤 aka Lloyd Lee Coward, Lloyd L Coward Iii, Kevin Lcowherd Cowherd

Lloyd Coward from Brooklyn, NY

Age 35 b. May 1990
📍 830 Brooklyn Ave
📞 (718) 282-2867

Lloyd Coward from Lithonia, GA

Age 65 b. Mar 1961 Dekalb Co.
📍 701 Stonemill Mnr
📞 (718) 443-5670

Lloyd Coward from Arlington, VA

Age 107 b. Aug 1918
📍 2111 Jefferson Davis Hwy Apt 504s
📞 (703) 415-0505

Lloyd Coward from Norcross, GA

Age 65 b. Mar 1961
📍 3557 Dunlin Shore Ct
📞 (770) 676-0103
👤 aka Lloyd J Coward

Lloyd Coward from Bronx, NY

Age 76 b. Jun 1949
📍 1385 Fulton Ave
📞 (718) 293-3463
👤 aka Llouyd Coward

Lloyd Coward from Englewood, NJ

Age 93 b. May 1932
📍 536 Illingworth Ave
📞 (765) 948-5588

Lloyd Coward from Citrus Heights, CA

Age 70 b. 1956 Male
📍 7773 Loleta Ave
📞 (916) 735-7639

Lloyd Coward from Vienna, VA

Age 64 b. Mar 1962
📍 2323 Riviera Dr
👤 aka Lloyd L Coward

Lloyd Coward from Vanceboro, NC

Age 102 b. Oct 1923 Craven Co.
📍 375 Mile Rd

Lloyd Coward from Chicago, IL

Age 82 b. Jan 1944 Cook Co.
📍 8036 S Saint Lawrence Ave Unit 2
👤 aka Lloyd Scoward

Lloyd Coward from North Highlands, CA

Age 69 b. Jun 1956 Sacramento Co.
📍 3932 Floral Dr

Lloyd Coward from Fort Washington, MD

Age 73 b. Jul 1952 Prince Georges Co.
📍 2301 Thornknoll Dr

Lloyd Coward from Gaithersburg, MD

Age 64 b. Mar 1962 Montgomery Co.
📍 505 Mandolin Ct

Lloyd Coward from Bald Knob, AR

0
📍 845 Po Box, Bald Knob, AR 72010

Lloyd Coward from Arlington, VA

Arlington Co.
📍 2111 Jefferson Davis Hwy
📞 (703) 415-0931

Lloyd Coward from Judsonia, AR

Age 117 b. Sep 1908
📍 Judsonia, AR, 72081

Lloyd Coward from Greenville, NC

Age 119 b. Jan 1907
📍 Greenville, NC, 27834

Lloyd Coward from Chicago, IL

📍 8036 S St Lawrence Ave 2

Lloyd Coward from Fort Washington, MD

Prince Georges Co.
📍 9607 Old Allentown Rd

Lloyd Coward from Philadelphia, PA

Philadelphia Co.
📍 5803 Christian St

Lloyd Coward from Englewood, NJ

📍 90 Highwood Ave

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 27 contact records for Lloyd Coward across 11 states. The most recent address on file is in Washington, District of Columbia. Of these records, 14 include phone numbers and 1 include email addresses. Ages range from 24 to 53, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Coward Lloyd A

Paulding County
· 1640 Due West Rd, Dallas 30157.0

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

Lloyd Lee Coward

Democrat
1802 Thomas Rd, Fort Washington, MD, 20744
Gender: Male
County: Prince George's

lloyd LEE coward

Democrat Reg: 04/06/1968
Removed
DOB: 1923 Gender: Male
County: Craven

Lloyd E Coward

Reg: 305482372
1236 Pacific Street 6b, 0, 11216
DOB: 19490604 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 3 voter registration records were found for Lloyd Coward in Maryland. Party affiliation is listed as DEM. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2013 Lexus RX 350
· Registered to: Lloyd Coward
· VIN: 2T2BK1BA8DC197277
·
20 Inverness Dr, New City, NY, 10956
·
(845) 638-9052
2011 Ford F-250 Super Duty
· Registered to: Lloyd Coward
· VIN: 1FT7W2BT5BEB22651
·
2313 Thornknoll Dr, Fort Washington, MD, 20744-3968
·
(301) 248-8994
2018 NISSAN VERSA
· Registered to: Lloyd Coward
· VIN: 3N1CN7AP6HL844564
·
1802 Thomas Rd, Fort Washington, MD, 20744

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 3 vehicle registration records are associated with Lloyd Coward. Registered makes include Lexus, Ford, Nissan. 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.

Just Plane Clean

Lloyd CowardPresident
(916) 344-1348groundpowerguy@aol.com
3932 Floral Dr, North Highlands, CA95660

Just Plane Clean

Owner
(916) 344-1348
North Highlands, CA
Air Transportation (Transportation)

American Aviation Support

Owner
(916) 344-1348
North Highlands, CA
Air Transportation (Transportation)

Lloyd Coward

Government
Dc Government
Fort Washington, Maryland, United States Law Enforcement
LinkedIn

Lloyd Coward

Government
Dc Government
Maryland
LinkedIn

Federal Communications Commission

Lloyd CowardDeputy Chief Legal
(770) 935-3370lloyd.coward@fcc.gov
Duluth, GA

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 6 business affiliations were found for Lloyd Coward. Companies include Just Plane Clean, American Aviation Support, Dc Government and 1 more. Roles listed include President. Records are compiled from state business registries, SEC filings, and professional networking databases.

Lloyd Coward

Addr: 5300 Memorial Drive Ste 104, Stone Mountain, GA, 30083
GA Dekalb County

Lloyd Coward

Addr: 701 Stonemill Manor, Lithonia, GA, 30058
GA Dekalb County

The Beeper Doctor, INC.

Addr: 5587 Peachtree Rd., Chamblee, GA, 30341
GA
Officer: Lloyd Coward

Outer Limits Communications, INC.

Addr: 3666 N Ptree Rd Ste 500, Chablee, GA, 30341
GA
Officer: Lloyd E Coward

Outer Limits Communications, INC.

Addr: 3666 N Ptree Rd Ste 500, Chablee, GA, 30341
GA
CEO: Lloyd Coward

Source: Public Records Lloyd Coward appears in 5 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

🏛️

Lloyd Coward

Officer
Department: Mpd
💵 Pay: $128,025.00

Source: City/State Transparency Portals · Government Payroll Databases · Open Data Portals Lloyd Coward 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.

Lloyd Coward

Cordova High School - Rancho Cordova, CA, CA
1975

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Lloyd Coward 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.

$5 Oct 2, 2020
2020 DEM
Harrison, Jaime
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$25 Jun 16, 2020
2020 DEM
Biden, Joe
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$5 Mar 22, 2020
2020 DEM
Dscc
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$25 Jul 16, 2020
2020 DEM
Biden, Joe
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$25 Mar 16, 2020
2020 DEM
Biden, Joe
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$5 Dec 22, 2019
2020 DEM
Dscc
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$10 Oct 30, 2022
2022 DEM
Barnes, Mandela
Coward, Lloyd Not Employed Fort Washington, MD
$25 Jan 16, 2020
2020 DEM
Biden, Joe
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$25 Aug 16, 2020
2020 DEM
Biden, Joe
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$5 Jan 9, 2022
2022 DEM
Flowers, Marcus
Coward, Lloyd Not Employed Fort Washington, MD
$5 Jan 22, 2020
2020 DEM
Dscc
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$5 Apr 30, 2012
2012 DEM
Democratic Senatorial Campaign Committee
Coward, Lloyd Not Employed Chicago, IL
$25 Apr 16, 2020
2020 DEM
Biden, Joe
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$25 May 16, 2020
2020 DEM
Biden, Joe
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$1 Mar 17, 2023
2024 DEM
Dccc
Coward, Lloyd Not Employed Chicago, IL
$25 Apr 16, 2020
2020 DEM
Biden, Joe
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$5 Oct 1, 2020
2020 DEM
Schumer, Charles E
Coward, Lloyd Law Enforcement @ Dhs Fps Fort Washington, MD
$1 Mar 17, 2023
DEM
Dccc
Contributor Not Employed Chicago, IL
$25 Jun 16, 2020
Unknown Committee
Coward, Lloyd Law Enforcement @ Dhs/Fps Fort Washington, MD

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 19 political contribution records found for Lloyd Coward. Total disclosed contributions amount to $272. Recipients include Dccc. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Lloyd W Coward

Age 55 Male
·
2323 Riviera Dr, Vienna, VA 22181 (Fairfax County)
38.9042, -77.2875
Marital: Single TZ: Eastern
Homeowner Single Family
MP

Lloyd A Coward

Male
·
3932 Floral Dr, N Highlands, CA 95660 (Sacramento County)
38.6893, -121.3720
TZ: Pacific
Homeowner Single Family Built 1956 Purchased 2010
MP

Lloyd S Coward

Age 73 Male
·
4800 S Lake Park Ave, Chicago, IL 60615 (Cook County)
41.8081, -87.5907
· (773) 743-2006
Marital: Single TZ: Central
Occ: Professional Edu: Graduate School
Multi-Family
MP

Lloyd Coward

Male
·
825 Pelican Dr, New Bern, NC 28560 (Craven County)
35.0808, -76.9736
· (252) 288-5173
TZ: Eastern
Single Family
MP

Lloyd Coward

Age 85 Male
·
20 Inverness Dr, New City, NY 10956 (Rockland County)
41.1767, -73.9813
· (201) 675-2663
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1981 Purchased 2010
MP

Lloyd Coward

Male
·
2313 Thornknoll Dr, Ft Washington, MD 20744 (Prince Georges County)
38.7574, -76.9676
· (301) 248-8479
TZ: Eastern
Homeowner Single Family Built 1999 Purchased 2004
MP

Lloyd A Coward

Age 59 Male
·
1640 Due West Rd, Dallas, GA 30157 (Paulding County)
33.9666, -84.7632
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1991 Purchased 2014
MP

Lloyd L Coward

Male
·
9607 Old Allentown Rd, Ft Washington, MD 20744 (Prince Georges County)
38.7572, -76.9642
· (301) 248-3287
TZ: Eastern
Homeowner Single Family Built 1979 Purchased 1980

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 8 demographic profiles associated with Lloyd Coward. 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 Lloyd Coward. These loans were issued to businesses, not individuals.

Jason Downing

$15,207 Paid in Full
Address:
5427 Danby Ave
Approved

Apr 7, 2021

Forgiven

$15,289

Loan #

8327038705

Loan Size

Small

Crystaltaxcpacomllc

Limited Liability Company(LLC

$4,829 Paid in Full
Address:
2111 Jefferson Davis Hwy 1N
Arlington, VA22202
Approved

Feb 4, 2021

Forgiven

$4,858

Jobs Reported

1

Loan #

3374058406

Loan Size

Small

Crystaltaxcpacomllc

Limited Liability Company(LLC

$5,417 Paid in Full
Address:
2111 Jefferson Davis Hwy 1N
Arlington, VA22202
Approved

Apr 29, 2020

Forgiven

$5,491

Jobs Reported

1

Loan #

4323017305

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 3 PPP loan records are linked to businesses associated with Lloyd Coward. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Lloyd Coward 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
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Found 61 results across 11 states

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Lloyd Coward in Chicago, IL: Background Summary

Location
8036 S Saint Lawrence Ave Fl 2, Chicago Il, Chicago, IL
Other Locations
Washington, DC · New City, NY · Fort Washington, MD and 15 more
Profiles Found
27 people with this name
Phone Numbers
(773) 910-6638 and 15 others on file
Email
lcoward@sbcglobal.net and 1 other on file
Possible Relatives
Lois H Coward, Tracy Coward, Lesile R Coward, Denise A Coward, Lawrence E Coward and 5 more
Career
President at Just Plane Clean, American Aviation Support
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
3 linked — 2013 Lexus Rx 350, 2011 Ford F-250 Super Duty and 1 more
Contributions
$272 total — Dccc
PPP Loans
$25,453 for Jason Downing, Crystaltaxcpacomllc

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 Lloyd Coward. Because public records are indexed by name rather than by a unique identifier, the 88 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 Lloyd Coward

Search Complexity: High

88 public records across 11states, belonging to approximately 27 different individuals. With 27 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 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 11 states. Highest concentration: Maryland (15%), followed by New York and Georgia. Spans the South and Northeast regions.

MD13recordsNY9recordsGA9recordsCA7recordsAR5recordsIL5records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (49%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (19) and Business & Corporate Filings (6).

38
Contact & Address Records
19
Political Contribution Records
6
Business & Corporate Filings
5
Corporate Records
3
Voter Registration Records
3
Vehicle Registration Records

Age Distribution

Age range: approximately 95 years, suggesting multiple generations. Largest group: Senior (65+) (71%).

Senior (65+)12peopleMiddle-Age (40-64)3peopleYounger Adult (25-39)1personUnder 251person

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

Frequently Asked Questions About Lloyd Coward

Is Lloyd Coward a registered voter?
Yes, voter registration records show Lloyd Coward is registered in Maryland with DEM affiliation. We found 3 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Lloyd Coward own property?
County assessor records show 1 property associated with Lloyd Coward . 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 Lloyd Coward?
Records show 3 vehicle registrations associated with Lloyd Coward, including a 2013 Lexus RX 350. Registered makes include Lexus, Ford, Nissan. 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 Lloyd Coward?
We found 6 business affiliations for Lloyd Coward, including Just Plane Clean (President). Other companies include American Aviation Support, dc government. Business records are compiled from state registries, SEC filings, and professional databases.
Has Lloyd Coward made political donations?
FEC disclosure records show 19 reported political contributions from Lloyd Coward, totaling $272. Recipients include Dccc. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Lloyd Coward?
Our database contains 88 total records for Lloyd Coward spanning 11 states. This includes 27 distinct contact records, 14 with phone numbers, 1 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 Lloyd Coward?
The 88 records displayed for Lloyd Coward 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 Lloyd Coward 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.