Mary Ternes

Age 42 b. 1983-07-16
๐Ÿ“ 9720 Nw 6th Ln, Miami Fl
๐Ÿ“ž (786) 271-0722, (786) 683-2083
โœ‰๏ธ JERMJINC@YAHOO.COM

Mary Ternes from Random Lake, WI

Age 62 b. Oct 1963 Sheboygan Co.
๐Ÿ“ 507 S Spring St Apt 1no
๐Ÿ“ž (920) 994-2061, (951) 764-8058

Mary Ternes from Oklahoma City, OK

Age 74 b. Jul 1951 Oklahoma Co.
๐Ÿ“ 1151 Nw 42nd St
๐Ÿ“ž (405) 528-4731, (405) 260-0081

Mary Ternes from Newburg, MO

Age 69 b. Oct 1956
๐Ÿ“ Po Box 107
๐Ÿ“ž (573) 762-2212
๐Ÿ‘ค aka Mary Hodge

Mary Ternes from Miami, FL

Age 43 b. 1983 Female
๐Ÿ“ 10094 Nw 6th Ter
๐Ÿ“ž (786) 515-5345 (Cell)

Mary Ternes from Mesa, AZ

Age 105 b. Apr 1920 Maricopa Co.
๐Ÿ“ 4205 E Clovis Ave
๐Ÿ“ž (864) 985-0304

Mary Ternes from Helena, MT

Age 61 b. May 1964 Lewis And Clark Co.
๐Ÿ“ 2402 Sunlight Cir 1
๐Ÿ“ž (402) 397-1385

Mary Ternes from Chicago, IL

Age 82 b. Aug 1943 Cook Co.
๐Ÿ“ 2335 W Belle Plaine Ave Apt 5
๐Ÿ“ž (312) 463-7538

Mary Ternes from Helena, MT

Age 62 b. 1964 Lewis And Clark Co.
๐Ÿ“ 3112 Bridger Dr
๐Ÿ“ž (406) 449-7382

Mary Ternes from Dearborn, MI

Age 102 b. Dec 1923 Wayne Co.
๐Ÿ“ 3736 Westpoint St
๐Ÿ“ž (313) 562-4265
๐Ÿ‘ค aka Ternes Mary L

Mary Ternes from Flasher, ND

Age 91 b. Apr 1934 Morton Co.
๐Ÿ“ 4195 71st St
๐Ÿ“ž (701) 597-3585

Mary Ternes from Oklahoma City, OK

Age 63 b. Oct 1962 Oklahoma Co.
๐Ÿ“ 1903 Dorchester Dr
๐Ÿ“ž (405) 840-8312

Mary Ternes from Bloomfield, IN

Age 102 b. Nov 1923 Greene Co.
๐Ÿ“ 695 Kennedy Dr 5
๐Ÿ“ž (812) 384-8996

Mary Ternes from Helena, MT

Age 85 b. Nov 1940 Lewis And Clark Co.
๐Ÿ“ 243 Anderson Blvd
๐Ÿ“ž (406) 442-2650

Mary Ternes from Grafton, OH

Age 94 b. Oct 1931 Lorain Co.
๐Ÿ“ 1143 Avon Belden Rd G
๐Ÿ“ž (440) 748-3175

Mary Ternes from Washington, DC

Age 90 b. Feb 1936 District Of Columbia Co.
๐Ÿ“ 1425 4th St Sw Apt A 304
๐Ÿ“ž (202) 554-5080

Mary Ternes from Wichita, KS

Age 69 b. Nov 1956 Sedgwick Co.
๐Ÿ“ 1503 S 119th St W
๐Ÿ“ž (316) 773-2915

Mary Ternes from Floasher, ND

Age 92 b. Apr 1934 Morton Co.
๐Ÿ“ 4195 71 St St
๐Ÿ“ž (701) 597-3585

Mary Ternes from Walla Walla, WA

Age 106 b. 1920 Walla Walla Co.
๐Ÿ“ 1500 Catherine St Apt D216
๐Ÿ“ž (509) 522-3754

Mary Ternes from Washington, DC

Age 90 b. 1936 Female
๐Ÿ“ 1425 4th St Sw
๐Ÿ“ž (202) 554-5080

Mary Ternes from Oak Lawn, IL

Age 67 b. Feb 1959 Cook Co.
๐Ÿ“ 9516 S Kildare Ave Apt 2 W
๐Ÿ‘ค aka Jeannine H Ternes, M Jeannine Ternes

Mary Ternes from Cleveland, OH

Age 68 b. Mar 1958 Cuyahoga Co.
๐Ÿ“ 2000 E 9th St

Mary Ternes from Cleveland, OH

Age 68 b. 1958 Cuyahoga Co.
๐Ÿ“ 7086 Anthony Ln

Mary Ternes from Bloomfield, IN

Age 102 b. Nov 1923
๐Ÿ“ 695 N Kennedy Dr Apt 5

Mary Ternes from Elyria, OH

Age 94 b. Apr 1932 Lorain Co.
๐Ÿ“ 37428 Chestnut Ridge Rd

Mary Ternes from Grosse Pointe Woods, MI

Age 103 b. Jun 1922 Wayne Co.
๐Ÿ“ 1853 Broadstone Rd

Mary Ternes from Clark, NJ

Age 64 b. Sep 1961 Union Co.
๐Ÿ“ 18 Georgian Dr

Mary Ternes from Little Rock, AR

Age 63 b. Oct 1962 Pulaski Co.
๐Ÿ“ 4 Longlea Dr
๐Ÿ‘ค aka Mary Ellen Ternes, Mary Ellen Henry

Mary Ternes from Bismarck, ND

Burleigh Co.
๐Ÿ“ 3601 N 19th St
๐Ÿ“ž (701) 255-6798

Mary Ternes from Hague, ND

Emmons Co.
๐Ÿ“ 745 96th St Se
๐Ÿ“ž (701) 336-7557

Mary Ternes from Saint Petersburg, FL

Pinellas Co.
๐Ÿ“ 6524 50th Ave

Mary Ternes from Grafton, OH

Lorain Co.
๐Ÿ“ 11143 Avon Belden Rd

Mary Ternes from Milltown, NJ

Middlesex Co.
๐Ÿ“ 60 W Joffre Ave

Mary Ternes from St Petersburg, FL

Pinellas Co.
๐Ÿ“ 5181 102nd Way N

Mary Ternes

๐Ÿ“ 335 Rolla Mo Apt A Po Box

Unknown Person

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 36 contact records for Mary Ternes across 16 states. The most recent address on file is in Random Lake, Wisconsin. Of these records, 22 include phone numbers and 1 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Ternes, Mary

Burleigh County
PIN: 1244-002-033
· 3601 N 19th St 3
Lot: 916sqft

Ternes Mary B

Sedgwick County
· 1953 S Dodge Ave, Wichita Ks 67213.0
Built: 1952.0
Assessed: $50,600

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

Mary C Ternes

DEMOCRATIC Reg: 8/16/1982

Mary Beth Ternes

Gender: F

Mary Ellen Ternes

Independent
Precinct: 550101

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 3 voter registration records were found for Mary Ternes. Records show affiliations with DEMOCRATIC, IND, which may reflect different individuals or changes over time. 2 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

1993 PONTIAC GRAND PRIX
ยท Registered to: Mary Ternes
ยท VIN: 1G2WJ14T0PF218081
·
507 S Spring St, Random Lake, WI, 53075

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 1 vehicle registration record is associated with Mary Ternes. Registered makes include Pontiac. The most recent model year on record is 1993. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

McAfee & Taft

Of Counsel
+14055522303maryellen.ternes@mcafeetaft.com

American College Of Environmentallawyers Incorporated

Mary TernesPresident
Washington, DC

Mary Ternes

Dietetica
Posteamos.com
Argentina Broadcast Media

Mary Ternes

Friends Of Washingtoniana Division
Dc Public Library Washingtoniana Division
District Of Columbia

Mary Ellen Ternes

Advisory Director a ยท Oklahoma City, Oklahoma Area

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 6 business affiliations were found for Mary Ternes. Companies include Posteamos.com. Roles listed include Of Counsel and President. Records are compiled from state business registries, SEC filings, and professional networking databases.

Mary Ternes

Schulte High School - Terre Haute, IN, IN
1970

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Mary Ternes 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 11, 2012
2012 REP
Hunthausen, Samuel J
Ternes, Mary Administrative Assistant @ Payne Financial Group Helena, MT
$400 Sep 30, 2002
2002 DEM
Sanders, Alexander M Jr
Ternes, Mary Ellen Nelson Mullins Riley Scarborough Columbia, SC
$2,700 Oct 24, 2016
2016 DEM
Hillary For America
Ternes, Mary E Attorney @ Crowe & Dunlevy Nichols Hills, OK
$250 Mar 31, 2002
2002 DEM
Sanders, Alexander M Jr
Ternes, Mary Ellen Nelson Mullins Riley Scarborough Columbia, SC
$37 May 2, 2007
2008
Dearborn Police Officers Legisltive
Ternes, Mary Dearborn, MI
$50 Mar 12, 2012
2012 REP
Hunthausen, Samuel
Ternes, Mary Administrative Assistant @ Payne Financial Group Helena, MT
$1,000 Sep 28, 2012
2012 DEM
Obama, Barack
Ternes, Mary E Nichols Hills, OK
$3 Jul 29, 2016
2016 DEM
House Majority Pac
Ternes, Mary Not Employed Washington, DC
$3 Jul 29, 2016
DEM
House Majority Pac
Contributor Not Employed Washington, DC
$2,700 Oct 24, 2016
Unknown Committee
Ternes, Mary E. Attorney @ Crowe & Dunlevy Nichols Hills, OK
$50
2012 R
Hunthausen, Samuel J
Contributor Administrative Assistant @ Payne Financial Group Helena, MT

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 11 political contribution records found for Mary Ternes. Total disclosed contributions amount to $7,243. Recipients include House Majority Pac, Hunthausen, Samuel J. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Mary Ternes

Age 83 Female
·
110 1st St NW, Mandan, ND 58554 (Morton County)
46.8275, -100.8900
· (701) 751-4186
TZ: Central
Edu: Some College
Homeowner Multi-Family
MP

Mary Ternes

Female
·
1037 Chestnut Ln, Beulah, ND 58523 (Mercer County)
47.2731, -101.7690
Marital: Married TZ: Central
Homeowner Single Family
MP

Mary C Ternes

Age 53 Female
·
3112 Bridger Dr, Helena, MT 59602 (Lewis and Clark County)
46.6172, -112.0390
· (406) 449-7382
Marital: Married TZ: Mountain
Edu: High School
Homeowner Single Family Built 1975 Purchased 1989
MP

Mary L Ternes

Age 74 Female
·
2335 W Belle Plaine Ave, Chicago, IL 60618 (Cook County)
41.9497, -87.7030
· (773) 463-7538
Marital: Single TZ: Central
Occ: Sales Edu: High School
Homeowner Multi-Family
MP

Mary J Ternes

Age 76 Female
·
243 Anderson Blvd, Helena, MT 59601 (Lewis and Clark County)
46.6107, -112.0500
· (406) 439-9894
Marital: Married TZ: Mountain
Homeowner Single Family Built 1978
MP

Mary J Ternes

Age 66 Female
·
3901 Oak Valley Dr, Guthrie, OK 73044 (Logan County)
35.7580, -97.3764
· (405) 260-0081
Marital: Married TZ: Central
Occ: White Collar Edu: High School
Homeowner Single Family Built 1985 Purchased 1999
MP

Mary J Ternes

Age 90 Female
·
4618 Tokay Blvd, Madison, WI 53711 (Dane County)
43.0538, -89.4544
· (608) 790-6458
Marital: Single TZ: Central
Occ: White Collar Edu: Some College
Homeowner Single Family Built 1955
MP

Mary T Ternes

Age 81 Female
·
202 Division St, Ledyard, IA 50556 (Kossuth County)
43.4191, -94.1581
· (712) 646-2560
Marital: Married TZ: Central
Homeowner Single Family
MP

Mary Ternes

Age 41 Female
·
10094 NW 6th Ter, Miami, FL 33172 (Miami-Dade County)
25.7747, -80.3605
TZ: Eastern
Occ: Management Edu: Some College
Single Family
MP

Mary L Ternes

Age 57 Female
·
7303 Minuteman Ln, Somerset, NJ 08873 (Somerset County)
40.4993, -74.5214
Marital: Married TZ: Eastern
Single Family
MP

Mary C Ternes

Age 95 Female
·
82 Blairmoor Ct, Grosse Pt Shr, MI 48236 (Wayne County)
42.4449, -82.8789
· (313) 881-9795
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1962
MP

Mary L Ternes

Age 93 Female
·
2720 Cass St, Dearborn, MI 48124 (Wayne County)
42.2947, -83.2535
· (313) 402-0312
Marital: Single TZ: Eastern
Edu: High School
Single Family
MP

Mary E Ternes

Age 82 Female
·
619 N Wheatland Pl, Wichita, KS 67235 (Sedgwick County)
37.6924, -97.4916
· (620) 456-2552
Marital: Single TZ: Central
Occ: Professional
Homeowner Single Family Built 1974 Purchased 2010
MP

Mary C Ternes

Age 54 Female
·
507 S Spring St, Random Lake, WI 53075 (Sheboygan County)
43.5528, -87.9692
· (920) 360-5305
Marital: Married TZ: Central
Occ: Service Industry Edu: High School
Homeowner Multi-Family
MP

Mary Ternes

Female
·
3601 N 19th St, Bismarck, ND 58503 (Burleigh County)
46.8435, -100.7630
· (701) 255-6798
Marital: Single TZ: Central
Homeowner Multi-Family Built 2005
MP

Mary A Ternes

Age 60 Female
·
18850 County Road 7300, Newburg, MO 65550 (Phelps County)
37.9397, -91.9140
Marital: Married TZ: Central
Homeowner Single Family
MP

Mary Ternes

Female
·
2637 NW 66th St, Oklahoma City, OK 73116 (Oklahoma County)
35.5390, -97.5605
· (405) 850-7052
TZ: Central
Homeowner Single Family Built 1955 Purchased 2003
MP

Mary E Ternes

Age 54 Female
·
1703 Dorchester Dr, Oklahoma City, OK 73120 (Oklahoma County)
35.5563, -97.5501
Marital: Single TZ: Central
Occ: Technical Edu: Graduate School
Homeowner Single Family Built 1951 Purchased 2009

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 18 demographic profiles associated with Mary Ternes. 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 Mary Ternes. These loans were issued to businesses, not individuals.

Sydney Powell

Sole Proprietorship

$20,102 Paid in Full
Address:
1425 4th St SW
Washington, DC20024-2235
Approved

May 25, 2021

Forgiven

$20,172

Jobs Reported

1

Loan #

7376579004

Loan Size

Small

B D Latham Farms

Partnership

$20,000 Paid in Full
Address:
125 PO Box
Winona, KS67764-0125
Approved

Apr 28, 2020

Forgiven

$20,138

Jobs Reported

2

Loan #

7631457205

Loan Size

Small

Bsm Enterprises, LLC

Limited Liability Company(LLC

$121,908 Paid in Full
Address:
202 Division St
Arispe, IA50831-0278
Approved

Apr 27, 2020

Forgiven

$122,860

Jobs Reported

19

Loan #

3787277208

Loan Size

Small

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

Find Mary Ternes on the map

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Mary Ternes in Miami, FL: Background Summary

Location
9720 NW 6th Ln, Miami Fl, Miami, FL
Other Locations
Random Lake, WI ยท Oklahoma City, OK ยท Newburg, MO and 23 more
Profiles Found
36 people with this name
Phone Numbers
(786) 271-0722 and 22 others on file
Email
jermjinc@yahoo.com
Career
Of Counsel, President at Posteamos.com
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
1 linked โ€” 1993 Pontiac Grand Prix
Contributions
$7,243 total โ€” Hunthausen, Samuel J, House Majority Pac
PPP Loans
$162K for Sydney Powell, B D Latham Farms

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 Mary Ternes. Because public records are indexed by name rather than by a unique identifier, the 87 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 Mary Ternes

Search Complexity: High

87 public records across 17states, belonging to approximately 36 different individuals. With 36 distinct profiles across 17 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 17 states. Highest concentration: Oklahoma (8%), followed by North Dakota and Montana. Spans the Midwest and South regions.

OK7recordsND7recordsMT6recordsOH6recordsFL5recordsWI5records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (62%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (11) and Business & Corporate Filings (6).

42
Contact & Address Records
11
Political Contribution Records
6
Business & Corporate Filings
3
Voter Registration Records
3
PPP Loan Records
2
Property Ownership Records

Age Distribution

Age range: approximately 63 years, suggesting multiple generations. Largest group: Senior (65+) (78%).

Senior (65+)14peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Mary Ternes

Is Mary Ternes a registered voter?
Yes, voter registration records show Mary Ternes is registered with DEMOCRATIC affiliation. We found 3 voter registration entries across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Mary Ternes own property?
County assessor records show 2 properties associated with Mary Ternes . 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 Mary Ternes?
Records show 1 vehicle registration associated with Mary Ternes, including a 1993 PONTIAC GRAND PRIX. 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 Mary Ternes?
We found 6 business affiliations for Mary Ternes (Of Counsel). Business records are compiled from state registries, SEC filings, and professional databases.
Has Mary Ternes made political donations?
FEC disclosure records show 11 reported political contributions from Mary Ternes, totaling $7,243. Recipients include House Majority Pac and Hunthausen, Samuel J. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Mary Ternes?
Our database contains 87 total records for Mary Ternes spanning 17 states. This includes 36 distinct contact records, 22 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 Mary Ternes?
The 87 records displayed for Mary Ternes 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 Mary Ternes 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.