Martin Flaum from Jackson, NJ

Age 73
๐Ÿ“ 47 Marlow Dr, Jackson, NJ 08527
๐Ÿ“ž (732) 409-1211, (732) 409-1211, (908) 431-3367, (732) 513-7414
โœ‰๏ธ rhodarosie@aol.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Shari L Merola,Rhoda H Flaum,Shari L Flaum

Martin Flaum from Westminster, CO

Age 62
๐Ÿ“ 10023 Irving St, Westminster, CO 80031
๐Ÿ“ž (303) 474-4359, (303) 469-2661, (303) 474-4359, (281) 298-1645
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Patrick Shayne Slater,Johnnorman Flaum,Martin Flaumii
๐Ÿช Mj Flaum & Associates Llc, The A Team Llc, Mj Flaum & Associates, Llc

Martin Flaum from San Francisco, CA

Age 95 b. Sep 1930 San Francisco Co.
๐Ÿ“ 14 Shotwell St Unit A
๐Ÿ“ž (305) 628-3251

Martin Flaum from Westminster, CO

Age 74 b. 1952 Male
๐Ÿ“ 10624 Osceola Loop
๐Ÿ’ผ 1004
๐Ÿ“ž (303) 885-1759 (Cell)
โœ‰๏ธ margaretflaum@yahoo.com

Martin Flaum from Freehold, NJ

Age 84 b. Aug 1941
๐Ÿ“ 2 Longfellow Ct
๐Ÿ“ž (732) 513-7414
๐Ÿ‘ค aka H Flaum Martin

Martin Flaum from Denver, CO

0000 Male
๐Ÿ“ 3691 Utica St
๐Ÿ“ž (720) 459-7787

Martin Flaum from Littleton, CO

Age 72 b. Sep 1953 Jefferson Co.
๐Ÿ“ 7306 S Flower St

Martin Flaum from Pompano Beach, FL

๐Ÿ“ 2324 Se 9th St

Martin Flaum from Potomac, MD

Montgomery Co.
๐Ÿ“ 9 Sprinklewood Ct

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 9 contact records for Martin Flaum across 5 states. The most recent address on file is in San Francisco, California. Of these records, 6 include phone numbers and 2 include email addresses. Ages range from 62 to 73, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Flaum Martin J Ii And Flaum Jennifer Davis

Adams County
· 3940 W 111th Ave, West-Adams

Flaum, Martin H & Rhoda

Residential Ocean County
· 47 Marlow Dr, 08527

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

Martin H Flaum

Unaffiliated
47 Marlow Dr, Jackson, 08527
DOB: 8/15/1941
County: Ocean

Martin Flaum

Republican
3940w 111th Ave, Westminster, CO, 80031
DOB: 1982 Gender: Male Ph: 303-469-2661
County: Adams

Martin C Flaum

Democrat
9 Sprinklewood Ct, Potomac, MD, 20854
Gender: Male
County: Montgomery

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 3 voter registration records were found for Martin Flaum in Colorado, Maryland. Records show affiliations with U, REP, DEM, which may reflect different individuals or changes over time. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2005 GMC Envoy
ยท Registered to: Martin Flaum
ยท VIN: 1GKDT13S452148759
·
10023 Irving St, Westminster, CO, 80031
·
(303) 469-2661
2011 Jeep Grand Cherokee
ยท Registered to: Martin Flaum
ยท VIN: 1J4RR4GT5BC737310
·
10023 Irving St, Westminster, CO, 80031-6755
·
(303) 469-2661
2009 MERCEDES-BENZ M-CLASS
ยท Registered to: Martin Flaum
ยท VIN: 4JGBB86E99A467683
·
2324 SE 9th St, Pompano Beach, FL, 33062-6705
·
(954) 283-9240

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with Martin Flaum. Registered makes include Gmc, Jeep, Mercedes-Benz. 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.

Flaum Insurance Group

County Court Judge Adams County
carolroses@yahoo.com

Martin Flaum

Director

Martin Flaum

Florida

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 3 business affiliations were found for Martin Flaum. Roles listed include County Court Judge Adams County and Director. Records are compiled from state business registries, SEC filings, and professional networking databases.

MJ Flaum & Associates, LLC

Addr: Westminster, CO
Registered Agent: Martin J Flaum

Source: Public Records Martin Flaum appears in 1 corporate filing from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

martin flaum

Life Incl Var Annuity & Health
VALID
License # W004307
Addr: Parkland, FL

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Martin Flaum holds 1 state-issued professional license on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Martin Flaum

Northglenn High School - Northglenn, CO, CO
2000

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Martin Flaum 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.

$250 Oct 20, 2009
2010 REP
Penry, Josh
Flaum, Martin Jeffrey Westminster, CO
$150 Oct 26, 2014
2014 REP
Grimm, Brigitte
Flaum, Martin Client Relationship Mgr 3 @ Adams County District Attorney S Office Westminster, CO
$500 Apr 26, 2006
2006 R
Beauprez, Bob & Rowland, Janet
Flaum, Martin Westminster, CO
$300 Sep 25, 2009
2010 REP
Buck, Kenneth R
Flaum, Martin Attorney @ Flaum And Assn, LLC Westminster, CO
$250 Apr 16, 2015
2016 DEM
Henry, Eva J
Flaum, Martin Client Relationship Mgr 3 @ McKesson CORP Westminster, CO
$75 Jun 8, 2010
2010
Podiatric Medical Association Pac Maryland
Flaum, Martin C Potomac, MD
$75 Sep 16, 2015
2016 REP
Adams County Republican Central Committee
Flaum, Martin Office And Administrative Occupations @ Flaum And Associates LLC Westminster, CO
$200 Feb 8, 2016
2016 DEM
Henry, Eva J
Flaum, Martin Westminster, CO
$250 Jun 22, 2010
2010 REP
Hansen, Erik
Flaum, Martin Attorney Legal Westminster, CO
$200 Apr 12, 2010
2010 REP
Hansen, Erik
Flaum, Martin Attorney Legal Westminster, CO
$75 Nov 15, 2007
2008
Podiatric Medical Association Pac Maryland
Flaum, Martin C Potomac, MD
$250 Apr 17, 2012
2012 REP
Coffman, Mike
Flaum, Martin Partner @ Flaum And Associates, LLC Westminster, CO
$400 Jun 30, 2008
2008 DEM
Morrissey, Mitchell R
Flaum, Martin General Business, Consultant @ Flaum & Associates Westminster, CO
$100 Jun 14, 2011
2012 REP
Adams County Republican Central Committee
Flaum, Martin Northglenn, CO
$250 Aug 12, 2015
2016 DEM
Carrigan, Michael James
Flaum, Martin Consultant, Owner @ Flaum And Associates Westminster, CO
$150 Nov 29, 2013
2014 DEM
Stanfield, Thomson Pettus Jr
Flaum, Martin J Consultant, Owner @ Flaum And Associates Westminster, CO
$400 Jun 2, 2014
2014 DEM
O Dorisio, Steven Joseph
Flaum, Martin Jr Attorney Legal, Dda @ Adams County Denver, CO
$500 Feb 10, 2014
2014 REP
Hansen, Erik
Flaum, Martin Westminster, CO
$100 Aug 13, 2014
2014 DEM
O Dorisio, Steven Joseph
Flaum, Martin J Attorney Legal, Sole Proprietor @ Flaum & Assoc Westminster, CO
$50 Dec 10, 2004
2004 DEM
Morrissey, Mitchell R
Flaum, Martin J Self Employed, Lobbist Westminster, CO
$150 Nov 5, 2015
2016 DEM
Carrigan, Michael James
Flaum, Martin Westminster, CO
$300 Oct 26, 2013
2014 DEM
O Dorisio, Steven Joseph
Flaum, Martin J Attorney Legal, Sole Proprietor @ Flaum & Assoc Westminster, CO
$100 Sep 24, 2012
2012 REP
Ramirez, Robert
Flaum, Martin Consultant @ Flaum And Associates Westminster, CO
$75 Apr 22, 2008
2008
Podiatric Medical Association Pac Maryland
Flaum, Martin C Potomac, MD
$550 Dec 31, 2013
2014 DEM
Quick, Donald S
Flaum, Martin Partner @ Flaum & Associates LLC Westminster, CO
$100 Sep 19, 2012
2012 REP
Pigott, David J
Flaum, Martin General Business @ Flaum And Assoicates LLC Westminster, CO
$100 Dec 19, 2009
2010 DEM
Morse, John
Flaum, Martin Healthcare Medical @ Self Denver, CO
$200 Sep 19, 2012
2012 REP
Vande Krol, Brian
Flaum, Martin Office And Administrative Occupations @ Flaum And Associates LLC Westminster, CO
$100 Aug 23, 2012
2012 DEM
Henry, Eva J
Flaum, Martin Client Relationship Mgr 3 @ McKesson CORP Westminster, CO
$250 Dec 11, 2008
2008 DEM
Canter, David
Flaum, Martin J Attorney @ Flaum & Associates, LLC Westminster, CO
$0 Oct 6, 2015
2016 DEM
Carrigan, Michael James
Flaum, Martin Westminster, CO
$200 Jun 5, 2013
2014 REP
McIntosh, Michael Todd
Flaum, Martin Self Employed, Consultant Westminster, CO
$500 Jun 30, 2005
2006 R
Beauprez, Bob & Rowland, Janet
Flaum, Martin Westminster, CO
$200 Jul 15, 2008
2008 REP
Coleman, Norm
Flaum, Martin Info Req Westminster, CO
$250 Oct 19, 2006
2006 R
Coffman, Michael
Flaum, Martin Westminster, CO
$200 Aug 14, 2014
2014 REP
Melonakis, Patsy H
Flaum, Martin Westminster, CO
$100 Sep 23, 2015
2016
Jasica, Jeff
Flaum, Martin J Westminster, CO
$500 Oct 6, 2010
2010 REP
Hansen, Erik
Flaum, Martin Westminster, CO
$75 May 29, 2009
2010
Podiatric Medical Association Pac Maryland
Flaum, Martin C Potomac, MD
$250 Oct 23, 2009
2010 N
Busck, Noel
Flaum, Martin Consultant @ Flaum & Associates Westminster, CO
$200 Oct 13, 2010
2010 DEM
Hickenlooper, John & Garcia, Joseph
Flaum, Martin General Business @ Adams County Westminster, CO
$250 Apr 1, 2016
2016 DEM
McFadyen, Liane Buffie
Flaum, Martin Westminister, CO
$250 Sep 14, 2009
2010 REP
Penry, Josh
Flaum, Martin Jeffrey General Business, Partner @ Flaum And Associates, LLC Westminster, CO
$150 Oct 19, 2012
2012 REP
Humenik, Beth
Flaum, Martin J Consultant, Consultant @ Flaum And Associates, LLC Westminster, CO
$500 Sep 7, 2013
2014 REP
Buck, Kenneth R
Flaum, Martin Attorney @ Flaum And Assn , LLC Westminster, CO
$500 Jun 9, 2009
2010 REP
Buck, Kenneth R
Flaum, Martin Attorney @ Flaum And Assn, LLC Westminster, CO
$250 Jun 6, 2008
2008 REP
Coffman, Mike
Flaum, Martin Avp, State Govt Accounts @ McKesson CORP Westminster, CO
$100 Oct 17, 2012
2012 DEM
Moreno, Dominick
Flaum, Martin J Consultant @ Flaum & Assniates LLC Westminster, CO
$150 Jul 24, 2010
2010 REP
Adams County Republican Central Committee
Flaum, Martin J Partner @ Flaum & Associates LLC Westminster, CO
$150 Aug 3, 2006
2006 D
Hernandez, Alfredo
Flaum, Martin Westminster, CO
$300 Jul 27, 2013
DEM
O Dorisio, Steven Joseph
Contributor Attorney Legal, Sole Proprietor @ Flaum & Assoc Westminster, CO
$500 Sep 7, 2013
Unknown Committee
Flaum, Martin Mr Attorney @ Flaum And Assoc., LLC Westminster, CO
$150
2006 D
Hernandez, Alfredo
Contributor Westminster, CO

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 53 political contribution records found for Martin Flaum. Total disclosed contributions amount to $12,175. Recipients include O Dorisio, Steven Joseph, Hernandez, Alfredo. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Martin J Flaum

Age 65 Male
·
10624 Osceola Loop, Westminster, CO 80031 (Adams County)
39.8895, -105.0380
· (303) 885-1759
Marital: Married TZ: Mountain
Edu: Some College
Homeowner Single Family Built 2001 Purchased 2016
MP

Martin Flaum

Male
·
3940 W 111th Ave, Westminster, CO 80031 (Adams County)
39.8971, -105.0380
· (720) 459-7787
TZ: Mountain
Homeowner Single Family Built 1999 Purchased 2015

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 2 demographic profiles associated with Martin Flaum. 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 Martin Flaum. These loans were issued to businesses, not individuals.

Radhey S Murarka Md PC

Subchapter S Corporation

$55,800 Paid in Full
Address:
50 West Edmonston Drive
Rockville, MD20852-1200
Approved

Apr 13, 2020

Forgiven

$56,343

Jobs Reported

7

Loan #

5529897104

Loan Size

Small

Rockville Dental Care

Corporation

$31,250 Paid in Full
Address:
50 West Edmonston Drive 503
Rockville, MD20852
Approved

May 19, 2020

Forgiven

$31,508

Jobs Reported

3

Loan #

8927387408

Loan Size

Small

Jj Schmelzle & Co

Subchapter S Corporation

$16,249 Paid in Full
Address:
50 West Edmonston Drive Ste 201
Rockville, MD20852-1200
Approved

May 21, 2020

Forgiven

$16,439

Jobs Reported

1

Loan #

1541097802

Loan Size

Small

Primecare Med LLC

Limited Liability Company(LLC

$96,700 Paid in Full
Address:
50 West Edmonston Drive Suite 401
Rockville, MD20852
Approved

Apr 27, 2020

Forgiven

$97,460

Jobs Reported

4

Loan #

5076737207

Loan Size

Small

Fishkin Center For Back And Body Wellness, LLC

Limited Liability Company(LLC

$16,557 Paid in Full
Address:
50 West Edmonston Drive
Rockville, MD20852
Approved

May 2, 2020

Forgiven

$16,739

Jobs Reported

3

Loan #

9524457307

Loan Size

Small

Sheila Esfandiari Dds PC

Corporation

$27,225 Paid in Full
Address:
50 West Edmonston Drive
Rockville, MD20852
Approved

May 4, 2020

Forgiven

$27,509

Jobs Reported

6

Loan #

1159727408

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 6 PPP loan records are linked to businesses associated with Martin Flaum. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Martin Flaum on the map

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Martin Flaum in Jackson, NJ: Background Summary

Location
47 Marlow Dr,Jackson, NJ 08527, Jackson, NJ
Other Locations
San Francisco, CA ยท Westminster, CO ยท Freehold, NJ and 4 more
Profiles Found
9 people with this name
Phone Numbers
(732) 409-1211 and 5 others on file
Email
rhodarosie@aol.com and 1 other on file
Possible Relatives
Shari L Merola, Rhoda H Flaum, Shari L Flaum, Patrick Shayne Slater, Johnnorman Flaum and 1 more
Career
County Court Judge Adams County, Director
Voter Registration
Registered No Party Preference
Properties
1property owned
Vehicles
3 linked โ€” 2005 Gmc Envoy, 2011 Jeep Grand Cherokee and 1 more
Contributions
$12.2K total โ€” O Dorisio, Steven Joseph, Hernandez, Alfredo
Licenses
1 professional license (LIFE INCL VAR ANNUITY & HEALTH)
PPP Loans
$244K for Radhey S Murarka Md PC, Rockville Dental Care

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 Martin Flaum. Because public records are indexed by name rather than by a unique identifier, the 86 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 Martin Flaum

Search Complexity: High

86 public records across 5states, belonging to approximately 9 different individuals. With 9 distinct profiles across 5 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 5 states. Highest concentration: Colorado (15%), followed by New Jersey and Florida. Spans the West and South regions.

CO13recordsNJ3recordsFL3recordsCA2recordsMD2records

Record Type Breakdown

Data spans 9 record categories. Largest: Political Contribution Records (64%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (11) and PPP Loan Records (6).

53
Political Contribution Records
11
Contact & Address Records
6
PPP Loan Records
3
Voter Registration Records
3
Vehicle Registration Records
3
Business & Corporate Filings

Age Distribution

Age range: approximately 34 years, suggesting multiple generations. Largest group: Senior (65+) (75%).

Senior (65+)3peopleMiddle-Age (40-64)1person

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

Frequently Asked Questions About Martin Flaum

Is Martin Flaum a registered voter?
Yes, voter registration records show Martin Flaum is registered with U 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 Martin Flaum own property?
County assessor records show 2 properties associated with Martin Flaum . 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 Martin Flaum?
Records show 3 vehicle registrations associated with Martin Flaum, including a 2005 GMC Envoy. Registered makes include Gmc, Jeep, Mercedes-Benz. 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 Martin Flaum?
We found 3 business affiliations for Martin Flaum (County Court Judge Adams County). Business records are compiled from state registries, SEC filings, and professional databases.
Has Martin Flaum made political donations?
FEC disclosure records show 53 reported political contributions from Martin Flaum, totaling $12,175. Recipients include O Dorisio, Steven Joseph and Hernandez, Alfredo. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Martin Flaum?
Our database contains 86 total records for Martin Flaum spanning 5 states. This includes 9 distinct contact records, 6 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 Martin Flaum?
The 86 records displayed for Martin Flaum 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 Martin Flaum 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.