Mark Carmack

Age 70 b. 1956-01-31
๐Ÿ“ 294 Adelaide St, Debary Fl
๐Ÿ“ž (937) 266-8804, (937) 212-3945
โœ‰๏ธ MARKCARYN66@YAHOO.COM

Mark Carmack

Age 66 b. 1959-12-01
๐Ÿ“ 6111 Hadley St, Raytown Mo
๐Ÿ“ž (816) 585-4262
โœ‰๏ธ MARKCARMACK@ATT.NET

Mark Carmack

Age 53 b. 1972-07-31
๐Ÿ“ 9601 Bear Lake Rd, Apopka Fl
๐Ÿ“ž (321) 229-5088
โœ‰๏ธ KOHPFR2314@ATT.NET

Mark Carmack from Evansville, IN

Age 86 b. 1940 Vanderburgh Co.
๐Ÿ“ 619 Thornberry Dr
๐Ÿ“ž (812) 464-9498, (812) 425-5758, (812) 631-1747

Mark Carmack from Brookville, OH

Age 70 b. Jan 1956 Montgomery Co.
๐Ÿ“ 11401 State Route 49 N P
๐Ÿ“ž (860) 349-0319, (765) 324-2847

Mark Carmack from Huntsville, AL

Age 64 b. Sep 1961 Madison Co.
๐Ÿ“ 2504 Green Mountain Rd Se
๐Ÿ“ž (256) 650-0263

Mark Carmack from Norwalk, CA

Age 64 b. Dec 1961 Los Angeles Co.
๐Ÿ“ 12142 Achilles St
๐Ÿ“ž (714) 861-9202

Mark Carmack from Downs, IL

Age 65 b. Mar 1960 Mclean Co.
๐Ÿ“ 111 S Gadwall Ln
๐Ÿ“ž (309) 378-5682

Mark Carmack from Virginia Beach, VA

Age 68 b. 1958 Virginia Beach City Co.
๐Ÿ“ 734 Sheraton Ct
๐Ÿ“ž (757) 498-8678

Mark Carmack from Grove City, OH

Age 62 b. Jun 1963 Franklin Co.
๐Ÿ“ 1992 Forest Lake Ct
๐Ÿ“ž (713) 692-1361

Mark Carmack from Nashville, TN

Age 66 b. Jan 1960 Davidson Co.
๐Ÿ“ 865 Bellevue Rd W 21
๐Ÿ“ž (760) 947-3482

Mark Carmack from Orlando, FL

Age 54 b. 1972 Orange Co.
๐Ÿ“ 10321 Loubet St
๐Ÿ“ž (407) 273-3454

Mark Carmack from Orlando, FL

Age 53 b. Jul 1972 Orange Co.
๐Ÿ“ 10321 Loubet St 26
๐Ÿ“ž (407) 260-2859

Mark Carmack from Oceanside, CA

Age 61 b. Nov 1964 San Diego Co.
๐Ÿ“ 1334 Dubuque St
๐Ÿ“ž (619) 757-6673

Mark Carmack from Rossville, TN

Age 50 b. Sep 1975 Fayette Co.
๐Ÿ“ 1200 Frazier Rd
๐Ÿ“ž (901) 850-8730

Mark Carmack from Tallmadge, OH

Age 61 b. Feb 1965 Summit Co.
๐Ÿ“ 621 Woodland Dr
๐Ÿ“ž (330) 633-9619

Mark Carmack

๐Ÿ“ 619 Thornberry Dr, Evansville In
๐Ÿ“ž (812) 454-3200
โœ‰๏ธ MCARMACK4@AOL.COM

Mark Carmack from Kansas City, MO

Age 66 b. Dec 1959 Jackson Co.
๐Ÿ“ 6111 Hadley St

Mark Carmack from Rincon, GA

Age 64 b. Sep 1961 Effingham Co.
๐Ÿ“ 110 Jennifer Ci

Mark Carmack from Nashville, TN

Age 57 b. 1969 Davidson Co.
๐Ÿ“ 855 Bellevue Rd

Mark Carmack from Palmetto, GA

Age 61 b. Nov 1964 Fulton Co.
๐Ÿ“ 9165 Hutcheson Ferry Rd

Mark Carmack from Cookeville, TN

Age 58 b. Dec 1967 Putnam Co.
๐Ÿ“ 457 Tommy Dodson Hwy

Mark Carmack from Escondido, CA

Age 61 b. Nov 1964 San Diego Co.
๐Ÿ“ 1825 E Valley Pkwy

Mark Carmack from Auburn, NY

Cayuga Co.
๐Ÿ“ 114 Olympia Ter
๐Ÿ“ž (503) 435-0556

Mark Carmack from Collierville, TN

Shelby Co.
๐Ÿ“ 278 W White Rd
๐Ÿ“ž (901) 853-7113

Mark Carmack from Highland Heights, KY

Campbell Co.
๐Ÿ“ 6847 Tippenhauer Rd
๐Ÿ“ž (330) 744-0078

Mark Carmack from Stratford, NJ

๐Ÿ“ 17 Timber Creek Rd
๐Ÿ“ž (856) 784-0690

Mark Carmack from Santa Fe, NM

Santa Fe Co.
๐Ÿ“ 208 Cami No De Los Marquez

Mark Carmack from Alameda, CA

Alameda Co.
๐Ÿ“ 2002 Annapolis Ci F

Mark Carmack from Stow, OH

Summit Co.
๐Ÿ“ 2015 Willowdale Dr

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 31 contact records for Mark Carmack across 14 states. The most recent address on file is in Evansville, Indiana. Of these records, 22 include phone numbers and 4 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Carmack Mark A

Seminole County
PIN: 20212930000700000
· 9601 Bear Lake Rd, Apopka 32703
Value: $131,574 ยท Sale: $115,000 (2012)

Carmack Mark A & Caryn R

Volusia County
· 294 Adelaide St, Debary-Orange-City 32713.0
Built: 1994.0
Assessed: $224,315

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 2 property records linked to Mark Carmack in Debary-Orange-City. Values shown are from county assessor records and may differ from current market prices.

Mark Edward Carmack

8821 28th St E, Parrish, , 342198303

Mark Edward Carmack

Reg: 20120328
623 Windsor Rd, Savannah, 314192019
Gender: Male

Mark Carmack

County: Jackson

Mark Edward Carmack

Reg: 100050741
74 Everett St, 26, 14615
DOB: 19630602 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 4 voter registration records were found for Mark Carmack in . Voter data is released as public information under state election laws and reflects status at time of the state data release.

2011 HONDA ELEMENT
ยท Registered to: Mark Carmack
ยท VIN: 5J6YH1H73BL002016
·
12142 Achilles St, Norwalk, CA, 90650-1823
·
(562) 863-8811
1994 HONDA ACCORD CAR UPPER MIDSIZE
ยท Registered to: Mark Carmack
ยท VIN: 1HGCD5660RA040517
·
457 Tommy Dodson Hwy, Cookeville, TN, 38506
·
(931) 498-3111
1995 ISUZU RODEO FULL SIZE UTILITY
ยท Registered to: Mark Carmack
ยท VIN: 4S2CY58V4S4330890
·
278 W White Rd, Collierville, TN, 38017
2004 Gmc Envoy
ยท Registered to: Mark Carmack
ยท VIN: 1GKET12P846164441
·
7957 Capilano Dr, Memphis, TN, 38125
·
(901) 754-0018
2005 Honda Accord
ยท Registered to: Mark Carmack
ยท VIN: 1HGCM56895A096497
·
734 Sheraton Ct, Virginia Beach, VA, 23452
2004 TOYOTA 4 RUNNER WAGON
ยท Registered to: Mark Carmack
ยท VIN: JTEBT17R848015584
·
6753 Quail Hollow Ct Apt 2, Memphis, TN, 38120
ยท Registered to: Mark Carmack
·
2294 Cannonmills Dr, Grove City, OH, 43123621 Woodland Dr, Tallmadge, OH, 44278
·
(330) 633-9619

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 8 vehicle registration records are associated with Mark Carmack. Registered makes include Honda, Isuzu, Gmc, Toyota and others. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Mark Carmack

United States

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 1 business affiliation was found for Mark Carmack. Records are compiled from state business registries, SEC filings, and professional networking databases.

Reliable Fasteners INC.

Filed: May 9, 2011
CEO: Mark Carmack

Reliable Fasteners INC.

Addr: 1930 Eglise Ave, Downey, CA, 90240
CA
CEO: Mark Carmack

Source: Public Records Mark Carmack appears in 2 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

mark Anthony carmack

Age 69
Resident 65+ Hunt/Fish
Addr: 294 Adelaide St, Debary, FL 32713
County: Volusia

mark Anthony carmack

Resident 65+ Hunt/Fish
Addr: Debary, FL 32713
County: Volusia

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Mark Carmack holds 2 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Mark Carmack

Oceanside High School - Oceanside, CA, CA
1983

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Mark Carmack 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.

$500 Apr 16, 2001
2002
T Mobile Political Action Committee
Carmack, Mark Voicestream Wireless Raytown, MO
$500 Apr 16, 2001
T Mobile Political Action Committee
Contributor Voicestream Wireless Raytown, MO
$500 Apr 16, 2001
Unknown Committee
Carmack, Mark VoiceStream Wireless Raytown, MO

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 3 political contribution records found for Mark Carmack. Total disclosed contributions amount to $1,500. Recipients include T Mobile Political Action Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Mark T Carmack

Age 57 Male
·
6111 Hadley St, Kansas City, MO 64133 (Jackson County)
39.0109, -94.4603
· (913) 677-6144
Marital: Inferred Married TZ: Central
Edu: High School
Homeowner Single Family Built 1951 Purchased 1983
MP

Mark Carmack

Age 55 Male
·
2504 Green Mountain Rd SE, Huntsville, AL 35803 (Madison County)
34.6289, -86.5344
· (256) 650-0263
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Built 1966
MP

Mark Carmack

Age 52 Male
·
166 Shaw Dr, Kent, OH 44240 (Portage County)
41.1305, -81.3641
· (330) 495-0687
Marital: Married TZ: Eastern
Homeowner Single Family Built 2006 Purchased 2007
MP

Mark A Carmack

Age 61 Male
·
619 Thornberry Dr, Evansville, IN 47710 (Vanderburgh County)
38.0297, -87.5724
· (812) 631-1747
Marital: Single TZ: Central
Occ: Management Edu: Some College
Homeowner Single Family Built 1955 Purchased 2001
MP

Mark Carmack

Male
·
9601 Bear Lake Rd, Apopka, FL 32703 (Orange County)
28.6466, -81.4427
TZ: Eastern
Homeowner Single Family Built 1957 Purchased 2012
MP

Mark D Carmack

Age 55 Male
·
9130 Eglise Ave, Downey, CA 90240 (Los Angeles County)
33.9511, -118.1040
· (562) 869-0678
Marital: Married TZ: Pacific
Edu: High School
Homeowner Single Family Built 1951 Purchased 2016
MP

Mark Carmack

Male
·
2300 S Lewis St, Anaheim, CA 92802 (Orange County)
33.7913, -117.8970
TZ: Pacific
Multi-Family
MP

Mark W Carmack

Age 52 Male
·
1645 S Ditmar St, Oceanside, CA 92054 (San Diego County)
33.1784, -117.3620
· (760) 439-7796
Marital: Single TZ: Pacific
Homeowner Single Family
MP

Mark A Carmack

Age 57 Male
·
111 S Gadwall Ln, Downs, IL 61736 (McLean County)
40.3929, -88.8776
Marital: Married TZ: Central
Occ: Professional Edu: Some College
Homeowner Single Family Built 1999
MP

Mark C Carmack

Age 52 Male
·
621 Woodland Dr, Tallmadge, OH 44278 (Summit County)
41.1053, -81.4230
· (330) 633-9619
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1962 Purchased 1991
MP

Mark Carmack

Age 45 Male
·
10321 Loubet St, Orlando, FL 32817 (Orange County)
28.5783, -81.2373
· (321) 277-0566
Marital: Married TZ: Eastern
Occ: Professional Edu: Some College
Homeowner Single Family Built 1961 Purchased 1992
MP

Mark B Carmack

Age 59 Male
·
734 Sheraton Ct, Virginia Bch, VA 23452 (Virginia Beach City County)
36.8638, -76.1089
· (757) 784-0095
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1980 Purchased 1993
MP

Mark A Carmack

Age 61 Male
·
294 Adelaide St, Debary, FL 32713 (Volusia County)
28.8911, -81.2931
· (937) 266-8804
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1994 Purchased 2016
MP

Mark E Carmack

Age 54 Male
·
8821 28th St E, Parrish, FL 34219 (Manatee County)
27.5377, -82.4736
Marital: Inferred Married TZ: Eastern
Edu: Some College
Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 14 demographic profiles associated with Mark Carmack. 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 Mark Carmack. These loans were issued to businesses, not individuals.

Rodolfo Jeronimo

Self-Employed Individuals

$4,206 Paid in Full
Address:
2300 S Lewis St
Anaheim, CA92802-5002
Approved

Feb 4, 2021

Forgiven

$4,221

Jobs Reported

1

Loan #

3307928407

Loan Size

Small

Martha Gonzalez

Independent Contractors

$3,547 Exemption 4
Address:
2300 S Lewis St Spc 2
Anaheim, CA92802-5019
Approved

May 2, 2021

Jobs Reported

1

Loan #

6478968907

Loan Size

Small

Marco Rodriguez

Self-Employed Individuals

$20,833 Paid in Full
Address:
2300 S Lewis St # SPC49
Anaheim, CA92802-5007
Approved

May 1, 2021

Forgiven

$20,889

Jobs Reported

1

Loan #

6341328902

Loan Size

Small

Rafael Reyes

Sole Proprietorship

$336,585 Exemption 4
Address:
506 Hillwood Dr
Mount Juliet, TN37122-2122
Approved

Mar 20, 2021

Jobs Reported

9

Loan #

6085968601

Loan Size

Medium

Lizbeth Alonzo Realtor

Sole Proprietorship

$17,917 Paid in Full
Address:
2300 S Lewis St #66
Anaheim, CA92802
Approved

May 1, 2020

Forgiven

$18,164

Jobs Reported

1

Loan #

8839057305

Loan Size

Small

Irvin Jeronimo

Independent Contractors

$2,187 Paid in Full
Address:
2300 S Lewis St
Anaheim, CA92802-5002
Approved

Jan 29, 2021

Forgiven

$2,195

Jobs Reported

1

Loan #

8377258307

Loan Size

Small

Lizbeth Alonzo

Sole Proprietorship

$9,795 Paid in Full
Address:
2300 S Lewis St Spc 66
Anaheim, CA92802-5017
Approved

Jan 25, 2021

Forgiven

$9,920

Jobs Reported

1

Loan #

5564388302

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 7 PPP loan records are linked to businesses associated with Mark Carmack. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Mark Carmack on the map

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Mark Carmack in Evansville, IN: Background Summary

Location
619 Thornberry Dr, Evansville, IN 47710
Other Locations
Brookville, OH ยท Huntsville, AL ยท Norwalk, CA and 20 more
Profiles Found
31 people with this name
Phone Numbers
(321) 229-5088 and 26 others on file
Email
markcaryn66@yahoo.com and 3 others on file
Possible Relatives
Barbara A Story, Bradley A Schiller, Deborah Lynn Schiller, Dottie L Carmack, Douglas L Carmack and 34 more
Properties
1property owned
Vehicles
8 linked โ€” 2011 Honda Element, 1994 Honda Accord and 6 more
Contributions
$1,500 total โ€” T Mobile Political Action Committee
Licenses
2 professional licenses (Resident 65+ Hunt/Fish)
PPP Loans
$395K for Rodolfo Jeronimo, Martha Gonzalez

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 Mark Carmack. Because public records are indexed by name rather than by a unique identifier, the 84 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 Mark Carmack

Search Complexity: High

84 public records across 15states, belonging to approximately 31 different individuals. With 31 distinct profiles across 15 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county โ€” highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 15 states. Highest concentration: California (13%), followed by Florida and Ohio. Spans the South and Midwest regions.

CA11recordsFL9recordsOH9recordsTN8recordsMO5recordsIN4records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (58%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Vehicle Registration Records (8) and PPP Loan Records (7).

40
Contact & Address Records
8
Vehicle Registration Records
7
PPP Loan Records
4
Voter Registration Records
3
Political Contribution Records
2
Property Ownership Records

Age Distribution

Age range: approximately 35 years, suggesting multiple generations. Largest group: Senior (65+) (46%).

Senior (65+)6peopleMiddle-Age (40-64)7people

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

Frequently Asked Questions About Mark Carmack

Is Mark Carmack a registered voter?
Yes, voter registration records show Mark Carmack is registered in . We found 4 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Mark Carmack own property?
County assessor records show 2 properties associated with Mark Carmack . 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 Mark Carmack?
Records show 8 vehicle registrations associated with Mark Carmack, including a 2011 HONDA ELEMENT. Registered makes include Honda, Isuzu, Gmc, Toyota. 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 Mark Carmack?
We found 1 business affiliation for Mark Carmack. Business records are compiled from state registries, SEC filings, and professional databases.
Has Mark Carmack made political donations?
FEC disclosure records show 3 reported political contributions from Mark Carmack, totaling $1,500. Recipients include T Mobile Political Action Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Mark Carmack?
Our database contains 84 total records for Mark Carmack spanning 15 states. This includes 31 distinct contact records, 22 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 Mark Carmack?
The 84 records displayed for Mark Carmack 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 Mark Carmack 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.