Michael S Lanam from Canon City, CO

Age 62
๐Ÿ“ 2002 E Main St, Canon City, CO 81212
๐Ÿ“ž (719) 275-2100, (719) 291-4628, (719) 475-1855, (719) 473-1382, (719) 473-2595, (719) 520-1957
โœ‰๏ธ gaguirre@touchstonerealestategroup.com, gjoh502190@angelfire.com, gjoh502190@aol.com, michaellanam@hotmail.com, redfox_6859@yahoo.com, redfox_8659@yahoo.com

Michael Lanam from Colorado Spgs, CO

Age 54
๐Ÿ“ 2125 7th St, Colorado Spgs, CO 80907
๐Ÿ“ž (719) 276-2505, (719) 291-4628, (719) 475-1855, (719) 520-1957, (719) 473-1382, (719) 276-2505
โœ‰๏ธ gjoh502190@aol.com, redfox_8659@yahoo.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Pamela A Lanam,Thomas Patrick Lanam,Sandra Lanam Moreno

Michael Lanam from Castle Rock, CO

Age 74 b. 1952 Male
๐Ÿ“ 731 Evening Star Way
๐Ÿ“ž (720) 270-2018 (Cell), (303) 663-8078
โœ‰๏ธ michaellanam@techemail.com

Michael Lanam from Sebastian, FL

Age 52
๐Ÿ“ 1276 Seahouse St, Sebastian, FL 32958
๐Ÿ“ž (772) 589-8168, (772) 581-8126, (772) 589-8168, (772) 589-8169, (561) 978-8255, (716) 633-4891
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Jennifer L Zucowska,Rosemarie Marie Wilamowski,Lois M Lanam
๐Ÿช Treas Coast Security & Prop Prot

Michael Lanam from Sebastian, FL

Age 64 b. Oct 1961 Indian River Co.
๐Ÿ“ 1276 Seahouse St
๐Ÿ“ž (561) 978-8255, (772) 589-8168

Michael Lanam from Martinsville, IN

Age 49 b. Jan 1977 Morgan Co.
๐Ÿ“ 440 E Washington St
๐Ÿ“ž (765) 342-7870

Michael Lanam from Colorado Springs, CO

Male
๐Ÿ“ 2125 N 7th St
๐Ÿ“ž (719) 291-4628 (SPRINT)

Michael Lanam from Kent, OH

Age 60 b. Jun 1965
๐Ÿ“ Po Box 1592

Michael Lanam from Wichita, KS

Age 62 b. Sep 1963 Sedgwick Co.
๐Ÿ“ 7405 Newell St

Michael Lanam from Colorado Springs, CO

Age 66 b. Aug 1959 El Paso Co.
๐Ÿ“ 4740 Rusina Rd 108

Michael Lanam from Dundee, OR

Age 78 b. May 1947 Yamhill Co.
๐Ÿ“ 20820 Ne Big Fir Ln

Michael Lanam from Kent, OH

Age 66 b. Sep 1959 Portage Co.
๐Ÿ“ 3290 Verner Rd

Michael Lanam from Canon City, CO

Age 66 b. Aug 1959 Fremont Co.
๐Ÿ“ 2002 E Main St Lot 8

Michael Lanam from Fremont, CA

Age 73 b. Oct 1952 Alameda Co.
๐Ÿ“ 2000 Stevenson Bl
๐Ÿ‘ค aka Lanam Michael

Michael Lanam from Indianapolis, IN

Age 56 b. Sep 1969 Marion Co.
๐Ÿ“ 3200 Cold Spring Rd

Michael Lanam from Dundee, OR

Yamhill Co.
๐Ÿ“ 2820 Ne Big Fir Ln

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 16 contact records for Michael Lanam across 7 states. The most recent address on file is in Canon City, Colorado. Of these records, 7 include phone numbers and 3 include email addresses. Ages range from 52 to 62, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Lanam Michael T &

Lincoln County

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

Michael Lanam

Democrat
731evening Star Way, Castle Rock, CO, 80108
DOB: 1952 Gender: Male
County: Douglas

Michael T Lanam

NAV Reg: 3/10/2016
20820 NE Big Fir Ln, Dundee, OR, 97115
DOB: 1/1/1947
County: Yamhill

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for Michael Lanam in Colorado, Oregon. Records show affiliations with DEM, NAV, which may reflect different individuals or changes over time. 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.

2004 VOLKSWAGEN TOUAREG
ยท Registered to: Michael Lanam
ยท VIN: WVGPZ77L24D086547
·
731 Evening Star Way, Castle Rock, CO, 80108
·
(303) 663-8078
2004 ACURA MDX FULL SIZE UTILITY
ยท Registered to: Michael Lanam
ยท VIN: 2HNYD18634H507685
·
731 Evening Star Way, Castle Rock, CO, 80108
·
(303) 663-8078
2017 TOYOTA TACOMA
ยท Registered to: Michael Lanam
ยท VIN: 5TFCZ5AN3HX097966
·
20820 NE Big Fir Ln, Dundee, OR, 97115 9101

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with Michael Lanam. Registered makes include Volkswagen, Acura, Toyota. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Hospital Shared Services Inc

Michael LanamVice President
(303) 871-0606mlanam@.hospitalshared.com
1395 S Platte River Dr, Denver, CO80223

Michael Lanam

Aviation Security Executive<br/ ยท Denver, Colorado

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 3 business affiliations were found for Michael Lanam. Companies include Hospital Shared Services Inc. Roles listed include Vice President. Records are compiled from state business registries, SEC filings, and professional networking databases.

Advantage Marketing & Consulting

Addr: Castle Rock, CO
Registered Agent: Michael William Lanam

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

Michael Lanam

Junipero Serra High School - San Mateo, CA, CA
1970

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Michael Lanam 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.

$0 Sep 30, 2011
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 May 21, 2008
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Oct 31, 2008
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Jul 31, 2009
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Jul 31, 2008
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Aug 12, 2013
2014
Fla Pba Justice Pac
Lanam, Michael Tallahassee, FL
$4 Jul 30, 2010
2010
Fla Pba Justice Pac
Lanam, Michael Tallahassee, FL
$0 Apr 6, 2007
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Dec 29, 2011
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Nov 19, 2007
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Jul 17, 2013
2014
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Lanam, Michael Tallahassee, FL
$0 Mar 16, 2009
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Feb 12, 2010
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Nov 13, 2009
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$250 Oct 31, 2008
2008 DEM
Udall, Mark Emery
Lanam, Michael Vice President @ Hss Denver, CO
$0 Oct 17, 2011
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 May 14, 2008
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Sep 20, 2011
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Sep 17, 2013
2014
Fla Pba Justice Pac
Lanam, Michael Tallahassee, FL
$0 Jul 23, 2008
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Jul 31, 2013
2014
Fla Pba Justice Pac
Lanam, Michael Tallahassee, FL
$25 May 17, 2012
2012 DEM
Democratic Congressional Campaign Committee
Lanam, Michael VP @ Hss Castle Rock, CO
$0 Apr 14, 2010
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Mar 12, 2010
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Feb 21, 2012
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Jun 18, 2012
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 May 31, 2013
2014
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Jul 19, 2010
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$12 Apr 29, 2020
2020 DEM
Democratic Action
Lanam, Michael Not Employed Castle Rock, CO
$0 May 22, 2008
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Dec 14, 2007
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Jul 16, 2012
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Feb 29, 2012
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Oct 29, 2010
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Apr 24, 2008
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Jan 31, 2012
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Mar 25, 2009
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Oct 18, 2012
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Oct 29, 2012
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Jul 15, 2013
2014
Fla Pba Justice Pac
Lanam, Michael Tallahassee, FL
$0 Aug 4, 2011
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Apr 30, 2009
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Sep 14, 2009
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Jan 29, 2010
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$4 Oct 29, 2010
2010
Fla Pba Justice Pac
Lanam, Michael Tallahassee, FL
$0 Aug 31, 2009
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Feb 29, 2008
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Sep 14, 2010
2010
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Mar 28, 2012
2012
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$0 Mar 9, 2007
2008
Fla Pba Law & Order Pac
Lanam, Michael Tallahassee, FL
$12 Mar 29, 2020
DEM
Democratic Action
Contributor Not Employed Castle Rock, CO
$250 Oct 31, 2008
Unknown Committee
Lanam, Michael Vice President @ Hss Denver, CO
$500
2006 N
Christopher, William
Contributor Castle Rock, CO

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 53 political contribution records found for Michael Lanam. Total disclosed contributions amount to $1,069. Recipients include Democratic Action, Christopher, William. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Michael Lanam

Age 58 Male
·
8 Benson Rd, Florence, CO 81226 (Fremont County)
38.3803, -105.1570
· (719) 275-2100
TZ: Mountain
Single Family
MP

Michael Lanam

Male
·
2125 N 7th St, Colorado Spgs, CO 80907 (El Paso County)
38.8636, -104.8380
· (719) 291-4628
TZ: Mountain
Single Family
MP

Michael Lanam

Age 55 Male
·
1276 Seahouse St, Sebastian, FL 32958 (Indian River County)
27.7713, -80.4967
· (772) 285-5041
Marital: Married TZ: Eastern
Occ: Agriculture Edu: High School
Homeowner Single Family
MP

Michael Lanam

Male
·
475 E 9th Ave, Denver, CO 80203 (Denver County)
39.7305, -104.9820
TZ: Mountain
Single Family
MP

Michael W Lanam

Age 64 Male
·
731 Evening Star Way, Castle Rock, CO 80108 (Douglas County)
39.4346, -104.9120
· (303) 663-8078
Marital: Married TZ: Mountain
Occ: Healthcare Edu: Graduate School
Homeowner Single Family Built 1998 Purchased 2015
MP

Michael E Lanam

Age 52 Male
·
2860 Robindale Ave, Akron, OH 44312 (Summit County)
41.0551, -81.4271
Marital: Single TZ: Eastern
Homeowner Single Family Built 1966 Purchased 2006

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

Ebony Buckner

Sole Proprietorship

$20,832 Exemption 4
Address:
215 Indiana St
Park Forest, IL60466-1101
Approved

Mar 27, 2021

Jobs Reported

1

Loan #

1904098700

Loan Size

Small

Beer And Liquor Depot LLC

Limited Liability Company(LLC

$10,000 Paid in Full
Address:
2002 E Main St
Murfreesboro, TN37130
Approved

Apr 28, 2020

Forgiven

$10,118

Jobs Reported

1

Loan #

9935977206

Loan Size

Small

Paul Mazure

Sole Proprietorship

$20,832 Paid in Full
Address:
2002 E Main St
Ubly, MI48475-9726
Approved

Apr 13, 2021

Forgiven

$20,948

Jobs Reported

1

Loan #

2895808810

Loan Size

Small

Jeremiah Gilbert

Sole Proprietorship

$20,334 Paid in Full
Address:
2002 E Main St N/A
Madisonville, TX77864-2216
Approved

Mar 29, 2021

Forgiven

$20,587

Jobs Reported

1

Loan #

2476088705

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 4 PPP loan records are linked to businesses associated with Michael Lanam. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Michael Lanam on the map

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Michael Lanam in Canon City, CO: Background Summary

Location
2002 E Main St, Canon City, CO 81212, Canon City, CO 81212
Other Locations
Castle Rock, CO ยท Sebastian, FL ยท Martinsville, IN and 7 more
Profiles Found
16 people with this name
Phone Numbers
(719) 275-2100 and 11 others on file
Email
gaguirre@touchstonerealestategroup.com and 6 others on file
Possible Relatives
Pamela A Lanam, Thomas Patrick Lanam, Sandra Lanam Moreno, Jennifer L Zucowska, Rosemarie Marie Wilamowski and 1 more
Career
Vice President at Hospital Shared Services Inc
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
3 linked โ€” 2004 Volkswagen Touareg, 2004 Acura Mdx and 1 more
Contributions
$1,068.77 total โ€” Christopher, William, Democratic Action
PPP Loans
$71,998 for Ebony Buckner, Beer And Liquor Depot LLC

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 Michael Lanam. Because public records are indexed by name rather than by a unique identifier, the 96 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 Michael Lanam

Search Complexity: High

96 public records across 8states, belonging to approximately 16 different individuals. With 16 distinct profiles across 8 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 8 states. Highest concentration: Colorado (19%), followed by Florida and Oregon. Spans the West and South regions.

CO18recordsFL6recordsOR5recordsOH3recordsCA2recordsIN2records

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (60%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (22) and PPP Loan Records (4).

53
Political Contribution Records
22
Contact & Address Records
4
PPP Loan Records
3
Vehicle Registration Records
3
Business & Corporate Filings
2
Voter Registration Records

Age Distribution

Age range: approximately 30 years, suggesting multiple generations. Largest group: Senior (65+) (36%).

Senior (65+)4peopleMiddle-Age (40-64)7people

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

Frequently Asked Questions About Michael Lanam

Is Michael Lanam a registered voter?
Yes, voter registration records show Michael Lanam is registered in Colorado with DEM affiliation. We found 2 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Michael Lanam own property?
County assessor records show 1 property associated with Michael Lanam . 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 Michael Lanam?
Records show 3 vehicle registrations associated with Michael Lanam, including a 2004 VOLKSWAGEN TOUAREG. Registered makes include Volkswagen, Acura, 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 Michael Lanam?
We found 3 business affiliations for Michael Lanam, including Hospital Shared Services Inc (Vice President). Business records are compiled from state registries, SEC filings, and professional databases.
Has Michael Lanam made political donations?
FEC disclosure records show 53 reported political contributions from Michael Lanam, totaling $1,069. Recipients include Democratic Action and Christopher, William. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Michael Lanam?
Our database contains 96 total records for Michael Lanam spanning 8 states. This includes 16 distinct contact records, 7 with phone numbers, 3 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 Michael Lanam?
The 96 records displayed for Michael Lanam 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 Michael Lanam 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.