Mark Zivkovich

Age 68 b. 1957-06-24
๐Ÿ“ 9920 Bothwell Rd, Northridge Ca
๐Ÿ“ž (111) 111-0001, (818) 359-3830, (818) 282-8065
โœ‰๏ธ MARK.ZIVKOVICH@GOODYEAR.COM, mark.zivkovich@goodyear.com

Mark Zivkovich from Northridge, CA

Age 68 b. Jun 1957 Los Angeles Co.
๐Ÿ“ 9920 Bothwell Rd
๐Ÿ“ž (818) 349-8065, (818) 795-6235

Mark Zivkovich from Sterling Heights, MI

Age 49 b. 1977 Macomb Co.
๐Ÿ“ 43662 Sunnypoint Dr
๐Ÿ“ž (586) 247-7146

Mark Zivkovich from Baltimore, MD

Age 69 b. Jan 1957 Baltimore City Co.
๐Ÿ“ Po Box 38872
๐Ÿ“ž (704) 485-3532

Mark Zivkovich from Cleveland, OH

Age 70 b. Jun 1955
๐Ÿ“ 1715 Warrensville Center Rd
๐Ÿ“ž (216) 539-5622
๐Ÿ‘ค aka Mark G Zivkivich, Mark G Zivovich, Mark Zivkobich

Mark Zivkovich from Baltimore, MD

Age 55 b. 1971 Baltimore City Co.
๐Ÿ“ 4100 N Charles St Apt 1010
๐Ÿ“ž (410) 889-1832

Mark Zivkovich from Pittsburgh, PA

Age 72 b. 1954 Allegheny Co.
๐Ÿ“ 14 Saint Joseph Dr
๐Ÿ“ž (412) 492-0953

Mark Zivkovich from Cleveland, OH

Age 70 b. Jun 1955 Cuyahoga Co.
๐Ÿ“ 1715 Warrensville Center Rd R

Mark Zivkovich from Pittsburgh, PA

Allegheny Co.
๐Ÿ“ 50 N Fremont Ave 36

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 9 contact records for Mark Zivkovich across 5 states. The most recent address on file is in Northridge, California. Of these records, 7 include phone numbers and 1 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Zivkovich,mark

Broward County
PIN: 494227AM1660
· 200 NE 19 Ct #214m, Wilton Manors
Built: 1973.0
Assessed: $169,100

Zivkovich Mark A & Mary E (w)

Allegheny County
· 14 Saint Joseph Dr, Shaler
Sale: $87,000 (12131995.0)

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

Mark A Zivkovich

Democrat Reg: 07/01/1982
14 St Joseph St, Pittsburgh, PA, 15209
DOB: 04/25/1954 Gender: Male

Mark A Zivkovich

14 St Joseph St
DOB: 04/25/1954 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for Mark Zivkovich in Pennsylvania. Party affiliation is listed as D. 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.

2009 TOYOTA CAMRY
ยท Registered to: Mark Zivkovich
ยท VIN: 4T1BE46K49U344569
·
4100 N Charles St Apt 1010, Baltimore, MD, 21218-1033
·
(410) 889-1832
2011 Ford Taurus
ยท Registered to: Mark Zivkovich
ยท VIN: 1FAHP2EW8BG191173
·
4100 N Charles St, Baltimore, MD, 21218-1065
2012 RAM RAM PICKUP 1500
ยท Registered to: Mark Zivkovich
ยท VIN: 1C6RD7FT8CS171116
·
6415 Arrowhead Way, Williamsburg, MI, 49690-9588
·
(231) 421-3218
2003 CHRYSLER TOWN AND COUNTRY VAN
ยท Registered to: Mark Zivkovich
ยท VIN: 2C4GP24RX3R293057
·
14 Saint Joseph Dr, Pittsburgh, PA, 15209
·
(412) 492-0953

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 4 vehicle registration records are associated with Mark Zivkovich. Registered makes include Toyota, Ford, Ram, Chrysler. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Woodland Tree Service, INC.

Addr: 1715 Warrensville Rd, South Euclid, OH, 44121
OH
Officer: Mark Zivkovich

Unknown Corporation

ID: 1677524
Officer: Mark Zivkovich

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

mark zivkovich

Nonresident Health
VALID
License # G141170
Addr: Traverse City, MI
Issued: Jul 16, 2024

mark zivkovich

Nonresident Health
VALID
License # G141170
Addr: Traverse City, MI

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Mark Zivkovich 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 Zivkovich

San Luis Obispo High School - San Luis Obispo, CA, CA
1975

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

$50 Apr 15, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$1 Jul 22, 2016
2016 DEM
Judge, Patty Jean
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$1 Jul 22, 2016
2016 DEM
Hassan, Margaret Wood
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$100 Dec 16, 2007
2008 REP
Paul, Ron
Zivkovich, Mark E Branch Manager @ Scottrade INC Ira Twp, MI
$3 Mar 14, 2020
2020 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$50 Mar 24, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$5 Feb 20, 2016
2016 DEM
Actblue
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$50 Mar 30, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$50 Apr 20, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$50 Apr 11, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$1 Jul 22, 2016
2016 DEM
Ross, Deborah K
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$50 Feb 9, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$3 Dec 14, 2019
2020 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$1 Jul 22, 2016
2016 DEM
Actblue
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$3 May 9, 2016
2016 DEM
Actblue
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$5 Feb 9, 2016
2016 DEM
Actblue
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$3 Sep 20, 2020
2020 DEM
Cunningham, Cal
Zivkovich, Mark Woodland Tree Service South Euclid, OH
$25 Sep 22, 2016
2016 DEM
Strickland, Ted
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$50 Apr 6, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$50 Feb 25, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$1 Jul 22, 2016
2016 DEM
Masto, Catherine Cortez
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$50 Mar 14, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$50 Mar 2, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$50 Mar 9, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$1 Jul 22, 2016
2016 DEM
Kirkpatrick, Ann Leila
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$25 Sep 14, 2016
2016 DEM
Strickland, Ted
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$1 Jul 22, 2016
2016 DEM
Feingold, Russell Dana
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$100 Dec 28, 2020
2022 DEM
Warnock, Raphael
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$3 Sep 22, 2016
2016 DEM
Actblue
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$1 Jul 22, 2016
2016 DEM
Kander, Jason
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$50 Apr 15, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$5 Mar 24, 2016
2016 DEM
Actblue
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$25 May 9, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$3 Sep 20, 2020
2020 DEM
Gideon, Sara
Zivkovich, Mark Woodland Tree Service South Euclid, OH
$1 Jul 22, 2016
2016 DEM
McGinty, Kathleen Alana
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$3 May 14, 2019
2020 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$50 Feb 20, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$50 Apr 11, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$50 Apr 20, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$3 Sep 20, 2020
2020 DEM
Hegar, Mary Jennings Mj
Zivkovich, Mark Woodland Tree Service South Euclid, OH
$3 Jan 14, 2020
2020 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$3 Oct 14, 2019
2020 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$3 Sep 20, 2020
2020 DEM
Ossoff, T. Jonathan
Zivkovich, Mark Woodland Tree Service South Euclid, OH
$50 Mar 9, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$1 Jul 22, 2016
2016 DEM
Duckworth, L Tammy
Zivkovich, Mark Tree Removal Industry @ Self South Euclid, OH
$5 Apr 15, 2016
2016 DEM
Actblue
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$50 Mar 30, 2016
2016 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$3 Nov 14, 2019
2020 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$3 Jun 14, 2019
2020 DEM
Sanders, Bernard
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$5 Apr 20, 2016
2016 DEM
Actblue
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA
$100 Dec 16, 2007
REP
Paul, Ron
Contributor Branch Manager @ Scottrade INC Ira Twp, MI
$100 Dec 28, 2020
Unknown Committee
Zivkovich, Mark Caseworker @ Allegheny County Pittsburgh, PA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 52 political contribution records found for Mark Zivkovich. Total disclosed contributions amount to $1,399. Recipients include Paul, Ron. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Mark A Zivkovich

Age 63 Male
·
14 Saint Joseph Dr, Pittsburgh, PA 15209 (Allegheny County)
40.5208, -79.9760
· (412) 492-0953
Marital: Married TZ: Eastern
Occ: Technical Edu: Graduate School
Homeowner Single Family Built 1961 Purchased 1995
MP

Mark A Zivkovich

Age 32 Male
·
14099 Kathleen Dr, Brookpark, OH 44142 (Cuyahoga County)
41.3890, -81.7930
Marital: Married TZ: Eastern
Single Family
MP

Mark E Zivkovich

Age 40 Male
·
6415 Arrowhead Way, Williamsburg, MI 49690 (Grand Traverse County)
44.7783, -85.4746
· (231) 421-3218
Marital: Married TZ: Eastern
Occ: White Collar Edu: Some College
Homeowner Single Family Built 2000 Purchased 2010
MP

Mark G Zivkovich

Age 62 Male
·
1715 Warrensville Center Rd, Cleveland, OH 44121 (Cuyahoga County)
41.5132, -81.5362
· (216) 297-1593
Marital: Married TZ: Eastern
Occ: Clerical Edu: High School
Homeowner Single Family Built 1895 Purchased 1987
MP

Mark A Zivkovich

Age 59 Male
·
200 NE 19th Ct, Ft Lauderdale, FL 33305 (Broward County)
26.1521, -80.1439
Marital: Single TZ: Eastern
Edu: High School
Homeowner Multi-Family Built 1973 Purchased 2016
MP

Mark G Zivkovich

Age 60 Male
·
9920 Bothwell Rd, Northridge, CA 91324 (Los Angeles County)
34.2507, -118.5620
· (818) 349-8065
Marital: Married TZ: Pacific
Occ: White Collar Edu: Graduate School
Homeowner Single Family Built 1964 Purchased 1999

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 6 demographic profiles associated with Mark Zivkovich. 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 Zivkovich. These loans were issued to businesses, not individuals.

Marc Butler

Sole Proprietorship

$16,865 Paid in Full
Address:
4100 N Charles St Apt 204
Baltimore, MD21218-1027
Approved

Mar 20, 2021

Forgiven

$16,944

Jobs Reported

1

Loan #

5110698601

Loan Size

Small

Regina Anderson

Sole Proprietorship

$32,784 Paid in Full
Address:
4100 N Charles St Ste 114
Baltimore, MD21218-1026
Approved

May 1, 2020

Forgiven

$33,058

Jobs Reported

3

Loan #

9325217302

Loan Size

Small

Law Offices Of Saul Jablon

Sole Proprietorship

$20,832 Paid in Full
Address:
4100 N Charles St Apt 313
Baltimore, MD21218-1058
Approved

Apr 2, 2021

Forgiven

$21,019

Jobs Reported

1

Loan #

5724178701

Loan Size

Small

Regina Anderson

Sole Proprietorship

$32,785 Paid in Full
Address:
4100 N Charles St Ste 114
Baltimore, MD21218-1026
Approved

Feb 14, 2021

Forgiven

$32,962

Jobs Reported

4

Loan #

9083888405

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 4 PPP loan records are linked to businesses associated with Mark Zivkovich. 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 Zivkovich on the map

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Mark Zivkovich in Northridge, CA: Background Summary

Location
9920 Bothwell Rd, Northridge Ca, Northridge, CA
Other Locations
Sterling Heights, MI ยท Baltimore, MD ยท Cleveland, OH and 1 more
Profiles Found
9 people with this name
Phone Numbers
(818) 359-3830 and 8 others on file
Email
mark.zivkovich@goodyear.com
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
4 linked โ€” 2009 Toyota Camry, 2011 Ford Taurus and 2 more
Contributions
$1,398.52 total โ€” Paul, Ron
Licenses
2 professional licenses (NONRESIDENT HEALTH)
PPP Loans
$103K for Marc Butler, Regina Anderson

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 Zivkovich. Because public records are indexed by name rather than by a unique identifier, the 89 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.

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 Zivkovich

Search Complexity: High

89 public records across 7states, belonging to approximately 9 different individuals. With 9 distinct profiles across 7 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Political Contribution Records section may be most helpful for disambiguation because these records include employer and occupation, which are strong distinguishing fields.

Geographic Distribution

Records are widely distributed across 7 states. Highest concentration: California (6%), followed by Michigan and Pennsylvania. Spans the Midwest and Northeast regions.

CA5recordsMI5recordsPA5recordsOH5recordsMD4recordsFL1record

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (63%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (14) and Vehicle Registration Records (4).

52
Political Contribution Records
14
Contact & Address Records
4
Vehicle Registration Records
4
PPP Loan Records
2
Property Ownership Records
2
Voter Registration Records

Age Distribution

Age range: approximately 23 years, suggesting multiple generations. Largest group: Senior (65+) (60%).

Senior (65+)3peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Mark Zivkovich

Is Mark Zivkovich a registered voter?
Yes, voter registration records show Mark Zivkovich is registered in Pennsylvania with D affiliation. We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Mark Zivkovich own property?
County assessor records show 2 properties associated with Mark Zivkovich . 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 Zivkovich?
Records show 4 vehicle registrations associated with Mark Zivkovich, including a 2009 TOYOTA CAMRY. Registered makes include Toyota, Ford, Ram, Chrysler. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
Has Mark Zivkovich made political donations?
FEC disclosure records show 52 reported political contributions from Mark Zivkovich, totaling $1,399. Recipients include Paul, Ron. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Mark Zivkovich?
Our database contains 89 total records for Mark Zivkovich spanning 7 states. This includes 9 distinct contact records, 7 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 Mark Zivkovich?
The 89 records displayed for Mark Zivkovich 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 Zivkovich 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.