Mike Speak

๐Ÿ“ 6460 Olive St, Commerce City Co
๐Ÿ“ž (720) 276-9340, (303) 653-5578
โœ‰๏ธ SPEAKL45@GMAIL.COM

Mike Speak from Thornton, CO

Age 51
๐Ÿ“ 12467 Bellaire St, Thornton, CO 80241
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Michael A Speak,Lisa A Speak,Lisa A Speak

Mike K Speak from Corona, CA

Age 66
๐Ÿ“ 1367 Whispering Wind Ln, Corona, CA 92881
๐Ÿ“ž (951) 817-9829

Mike Speak from Groves, TX

0
๐Ÿ“ 4901 Simpson Ave, Groves, TX 77619
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: James Michael Speake,Gail Speake

Mike Speak from Derby, KS

Sedgwick Co.
๐Ÿ“ 1805 Ridge Rd
๐Ÿ“ž (712) 328-6206
๐Ÿ‘ค aka Michael L Speak

Unknown Person

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 6 contact records for Mike Speak across 4 states. The most recent address on file is in Corona, California. Of these records, 3 include phone numbers and 1 include email addresses. Ages range from 51 to 66, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

2010 Chrysler Town & Country
ยท Registered to: Mike Speak
ยท VIN: 2A4RR5D12AR413973
·
337 Chateau Dr, Oklahoma City, OK, 73160-3009
2007 Hyundai Santa Fe
ยท Registered to: Mike Speak
ยท VIN: 5NMSH73E17H107621
·
15099 London Rd, Philadelphia, PA, 19116-1533
·
(215) 676-0712

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 2 vehicle registration records are associated with Mike Speak. Registered makes include Chrysler, Hyundai. The most recent model year on record is 2010. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Workers Rights Center INC

Mike SpeakNon Employee Compensation - consultant
Madison, WI

Mike Speak

Commercial Data Analyst
Localiq_uk
Warrington

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 3 business affiliations were found for Mike Speak. Roles listed include Non Employee Compensation - consultant. Records are compiled from state business registries, SEC filings, and professional networking databases.

$250 Oct 6, 2008
2008 DEM
Obama, Barack
Speak, Mike Teacher @ University Of Richmond Richmond, VA
$250 Oct 6, 2008
DEM
Obama, Barack
Contributor Teacher @ University Of Richmond Richmond, VA
$250 Oct 6, 2008
Unknown Committee
Speak, Mike Teacher @ University of Richmond Richmond, VA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 3 political contribution records found for Mike Speak. Total disclosed contributions amount to $750. Recipients include Obama, Barack. Federal law requires disclosure of contributions above $200 to federal candidates.

Note: PPP loans shown are for businesses with addresses associated with Mike Speak. These loans were issued to businesses, not individuals.

Joel W Brook Dpm PA

Subchapter S Corporation

$20,833 Paid in Full
Address:
7777 Forest Ln Ste A212
Dallas, TX75230
Approved

Apr 30, 2020

Forgiven

$21,064

Jobs Reported

1

Loan #

5135677301

Loan Size

Small

Dallas Obgyn PA

Professional Association

$237,500 Paid in Full
Address:
7777 Forest Ln Ste D550
Dallas, TX75230
Approved

Apr 29, 2020

Forgiven

$240,673

Jobs Reported

15

Loan #

3482117303

Loan Size

Medium

Tenery Optical, LLC

Limited Liability Company(LLC

$10,657 Paid in Full
Address:
7777 Forest Ln Ste B424
Dallas, TX75230-2500
Approved

Apr 12, 2020

Forgiven

$10,769

Jobs Reported

1

Loan #

3950827110

Loan Size

Small

Ivf Institute, P A

Subchapter S Corporation

$54,603 Paid in Full
Address:
7777 Forest Ln Ste C108
Dallas, TX75230
Approved

May 1, 2020

Forgiven

$55,111

Jobs Reported

7

Loan #

1923867705

Loan Size

Small

Shelley E Weiss Md PA

Subchapter S Corporation

$31,882 Paid in Full
Address:
7777 Forest Ln Ste C550
Dallas, TX75230-7518
Approved

Feb 10, 2021

Forgiven

$29,928

Jobs Reported

4

Loan #

6659948410

Loan Size

Small

Carlos & Parnell M.d., P.a.

Corporation

$241,992 Paid in Full
Address:
7777 Forest Ln Ste D560
Dallas, TX75230-2500
Approved

Apr 11, 2020

Forgiven

$245,454

Jobs Reported

16

Loan #

3417287105

Loan Size

Medium

Virginia Stark-Vance, Md PA

Subchapter S Corporation

$39,000 Paid in Full
Address:
7777 Forest Ln Ste B238
Dallas, TX75230-6814
Approved

Apr 28, 2020

Forgiven

$39,366

Jobs Reported

3

Loan #

9099317200

Loan Size

Small

Pulmonary Critical Care Consultants PA

Subchapter S Corporation

$225,180 Paid in Full
Address:
7777 Forest Ln Ste B222
Dallas, TX75230
Approved

May 1, 2020

Forgiven

$227,563

Jobs Reported

7

Loan #

9114737305

Loan Size

Medium

Pediatric Neurology Of Dallas, PLLC

Limited Liability Company(LLC

$17,860 Paid in Full
Address:
7777 Forest Ln Ste A317
Dallas, TX75230-7505
Approved

May 1, 2020

Forgiven

$27,105

Jobs Reported

3

Loan #

6410907701

Loan Size

Small

Polina Kaloyanova, Md, PA

Corporation

$27,602 Paid in Full
Address:
7777 Forest Ln ste C206
Dallas, TX75230-2500
Approved

Apr 13, 2020

Forgiven

$27,891

Jobs Reported

5

Loan #

5198497107

Loan Size

Small

Reconstructive Microsurgery Associates

Limited Liability Company(LLC

$98,700 Paid in Full
Address:
7777 Forest Ln Ste B216,
Dallas, TX75230
Approved

Apr 28, 2020

Forgiven

$95,310

Jobs Reported

5

Loan #

6799967204

Loan Size

Small

Fourth Dimension Orthodontics & Craniofacial Orthopedics

Corporation

$26,522 Paid in Full
Address:
7777 Forest Ln Ste C770
Dallas, TX75230
Approved

Apr 14, 2020

Forgiven

$26,854

Jobs Reported

5

Loan #

6311887103

Loan Size

Small

Cosmetic Surgical Center, P.a.

Corporation

$99,872 Paid in Full
Address:
7777 Forest Ln Ste C612
Dallas, TX75230
Approved

May 1, 2020

Forgiven

$100,815

Jobs Reported

70

Loan #

1717577700

Loan Size

Small

Pain Diagnostics And Treatment Center P.a.

Corporation

$26,639 Paid in Full
Address:
7777 Forest Ln Ste C502
Dallas, TX75230-6843
Approved

Feb 6, 2021

Forgiven

$26,797

Jobs Reported

3

Loan #

4408378401

Loan Size

Small

Surgical Consultants Of Dallas LLC

Limited Liability Company(LLC

$103,470 Paid in Full
Address:
7777 Forest Ln Ste A331
Dallas, TX75230-2538
Approved

Apr 28, 2020

Forgiven

$104,531

Jobs Reported

8

Loan #

1664617302

Loan Size

Small

Jesus Flores Md PA

Subchapter S Corporation

$20,833 Paid in Full
Address:
7777 Forest Ln Ste A 321
Dallas, TX75230
Approved

Apr 29, 2020

Forgiven

$21,044

Jobs Reported

1

Loan #

3496497302

Loan Size

Small

Forest Lane Pediatrics, LLP

Limited Liability Partnership

$408,743 Paid in Full
Address:
7777 Forest Ln Ste B 300
Dallas, TX75230
Approved

Apr 10, 2020

Forgiven

$414,295

Jobs Reported

42

Loan #

2565897108

Loan Size

Medium

Connie Casad Md PLLC

Limited Liability Company(LLC

$77,545 Paid in Full
Address:
7777 Forest Ln Ste C202
Dallas, TX75205
Approved

Apr 30, 2020

Forgiven

$79,025

Jobs Reported

15

Loan #

5660407310

Loan Size

Small

Michelle Kravitz Md PA

Corporation

$13,750 Paid in Full
Address:
7777 Forest Ln Ste B300
Dallas, TX75230
Approved

Apr 15, 2020

Forgiven

$13,927

Jobs Reported

1

Loan #

1879307202

Loan Size

Small

Northlake Obstetrics & Gynecology

Professional Association

$807,515 Paid in Full
Address:
7777 Forest Ln Ste C-234
Dallas, TX75230-2500
Approved

Apr 7, 2020

Forgiven

$816,734

Jobs Reported

47

Loan #

6725577006

Loan Size

Medium

Pulmonary & Critical Care Consultants PA

Subchapter S Corporation

$150,000 Paid in Full
Address:
7777 Forest Ln Ste B222
Dallas, TX75230-2528
Approved

Feb 10, 2021

Forgiven

$151,254

Jobs Reported

11

Loan #

6461618410

Loan Size

Medium

Fetal Care Consultants LLC

Limited Liability Company(LLC

$378,757 Paid in Full
Address:
7777 Forest Ln Ste D1190
Dallas, TX75230-6818
Approved

Feb 27, 2021

Forgiven

$382,913

Jobs Reported

21

Loan #

5295488505

Loan Size

Medium

Rahele Lameh Md PA

Corporation

$44,000 Paid in Full
Address:
7777 Forest Ln Ste B131
Dallas, TX75230-2526
Approved

Jan 22, 2021

Forgiven

$44,203

Jobs Reported

6

Loan #

3697178303

Loan Size

Small

Allan N Shulkin Md, PA

Corporation

$109,700 Paid in Full
Address:
7777 Forest Ln Ste B202
Dallas, TX75230-2509
Approved

Apr 28, 2020

Forgiven

$110,636

Jobs Reported

7

Loan #

7091607200

Loan Size

Small

Wls Surgical Associates Of North Texas PLLC

Limited Liability Company(LLC

$54,515 Paid in Full
Address:
7777 Forest Ln Ste C400
Dallas, TX75230
Approved

May 1, 2020

Forgiven

$55,074

Jobs Reported

4

Loan #

8215767308

Loan Size

Small

Fourth Dimension Orthodontics

Corporation

$26,522 Paid in Full
Address:
7777 Forest Ln Ste C770
Dallas, TX75230-6901
Approved

Feb 5, 2021

Forgiven

$26,781

Jobs Reported

5

Loan #

4030358403

Loan Size

Small

Dina Itum Md PLLC

Limited Liability Company(LLC

$50,000 Paid in Full
Address:
7777 Forest Ln Ste A331
Dallas, TX75230
Approved

Apr 30, 2020

Forgiven

$20,213

Jobs Reported

1

Loan #

5848807303

Loan Size

Small

North Dallas Ent Group P.a.

Professional Association

$92,884 Paid in Full
Address:
7777 Forest Ln Ste B432
Dallas, TX75230-2576
Approved

Feb 14, 2021

Forgiven

$93,508

Jobs Reported

9

Loan #

9000098410

Loan Size

Small

David E. Martin Md PA

Corporation

$57,423 Paid in Full
Address:
7777 Forest Ln Ste C625
Dallas, TX75230-7520
Approved

Jan 16, 2021

Forgiven

$57,659

Jobs Reported

5

Loan #

1321668300

Loan Size

Small

Pediatric Acute Associates Of North Texas PLLC

Subchapter S Corporation

$271,441 Paid in Full
Address:
7777 Forest Ln Ste D569
Dallas, TX75230-6903
Approved

Feb 2, 2021

Forgiven

$274,736

Jobs Reported

12

Loan #

1741068402

Loan Size

Medium

Pediatric Neurology Of Dallas PLLC

Limited Liability Company(LLC

$17,145 Paid in Full
Address:
7777 Forest Ln Ste A317
Dallas, TX75230-7505
Approved

Feb 17, 2021

Forgiven

$17,269

Jobs Reported

3

Loan #

9554748406

Loan Size

Small

Victor Gonzalez, M.d., P.a.

Professional Association

$35,112 Paid in Full
Address:
7777 Forest Ln Ste C670
Dallas, TX75230-2500
Approved

Jun 5, 2020

Forgiven

$35,544

Jobs Reported

5

Loan #

8524997801

Loan Size

Small

Jane F Admire Md

Tenant in Common

$45,507 Paid in Full
Address:
7777 Forest Ln Ste C100
Dallas, TX75230
Approved

Apr 29, 2020

Forgiven

$45,980

Jobs Reported

5

Loan #

2020777303

Loan Size

Small

Valerie L. Liao Md, PA DBA Med*thin

Sole Proprietorship

$3,332 Paid in Full
Address:
7777 Forest Ln Ste A331
Dallas, TX75230
Approved

May 1, 2020

Forgiven

$3,362

Jobs Reported

2

Loan #

2193207708

Loan Size

Small

Adam R. Miller, Md PA

Professional Association

$97,449 Paid in Full
Address:
7777 Forest Ln Ste B424
Dallas, TX75230-2500
Approved

Apr 10, 2020

Forgiven

$98,437

Jobs Reported

8

Loan #

1710707100

Loan Size

Small

Dallas Otolaryngology Associates

Subchapter S Corporation

$428,837 Paid in Full
Address:
7777 Forest Ln Ste A103
Dallas, TX75230-6800
Approved

Mar 13, 2021

Forgiven

$433,364

Jobs Reported

49

Loan #

1455168603

Loan Size

Medium

Raymond Braidfoot

Limited Liability Company(LLC

$28,605 Paid in Full
Address:
7777 Forest Ln Ste C626
Dallas, TX75230-2549
Approved

Mar 20, 2021

Forgiven

$28,740

Jobs Reported

4

Loan #

4802058604

Loan Size

Small

Dallas Pediatric Neurology Associates

Subchapter S Corporation

$137,971 Paid in Full
Address:
7777 Forest Ln Ste B248
Dallas, TX75230
Approved

May 1, 2020

Forgiven

$139,401

Jobs Reported

9

Loan #

9052837304

Loan Size

Small

Michael Sutker Md PA

Subchapter S Corporation

$26,077 Paid in Full
Address:
7777 Forest Ln Ste A331
Dallas, TX75230
Approved

May 1, 2020

Forgiven

$26,338

Jobs Reported

1

Loan #

8222627310

Loan Size

Small

Metroplex Allergy And Asthma Associates

Limited Liability Company(LLC

$118,482 Paid in Full
Address:
7777 Forest Ln Ste C530
Dallas, TX75230-2500
Approved

Apr 11, 2020

Forgiven

$119,766

Jobs Reported

12

Loan #

2790987107

Loan Size

Small

Orange Cafe, LLC

Corporation

$19,500 Paid in Full
Address:
7777 Forest Ln Ste BA86
Dallas, TX75230
Approved

May 29, 2020

Forgiven

$19,648

Jobs Reported

5

Loan #

4945227804

Loan Size

Small

Floyd Cardiology Associates P.a.

Limited Liability Company(LLC

$59,505 Paid in Full
Address:
7777 Forest Ln Ste B215
Dallas, TX75230-2570
Approved

Mar 20, 2021

Forgiven

$59,751

Jobs Reported

7

Loan #

4950148609

Loan Size

Small

David L Roberts Dds PA

Subchapter S Corporation

$99,410 Exemption 4
Address:
7777 Forest Ln Ste C104
Dallas, TX75230-6830
Approved

Apr 3, 2021

Jobs Reported

7

Loan #

5987098703

Loan Size

Small

Laurence A. Weider, Md, PA

Corporation

$40,026 Paid in Full
Address:
7777 Forest Ln Ste B145
Dallas, TX75230-6880
Approved

May 1, 2020

Forgiven

$40,435

Jobs Reported

3

Loan #

5832637709

Loan Size

Small

North Texas Joint Care P.a.

Limited Liability Partnership

$53,697 Paid in Full
Address:
7777 Forest Ln Ste C502
Dallas, TX75230-6843
Approved

Apr 1, 2021

Forgiven

$54,188

Jobs Reported

5

Loan #

4508608700

Loan Size

Small

Dallas Pediatric Neurology Associates

Subchapter S Corporation

$86,117 Paid in Full
Address:
7777 Forest Ln Ste B248
Dallas, TX75230-2529
Approved

Mar 3, 2021

Forgiven

$86,768

Jobs Reported

11

Loan #

6426588506

Loan Size

Small

Rb Braidfoot Dmd PLLC

Limited Liability Company(LLC

$32,467 Paid in Full
Address:
7777 Forest Ln Ste C626
Dallas, TX75230-2549
Approved

May 1, 2020

Forgiven

$32,793

Jobs Reported

4

Loan #

6531717710

Loan Size

Small

Dallas Podiatry Works, PA

Subchapter S Corporation

$147,571 Paid in Full
Address:
7777 Forest Ln Ste A212
Dallas, TX75230
Approved

Apr 30, 2020

Forgiven

$149,202

Jobs Reported

20

Loan #

5519757300

Loan Size

Small

Victor Gonzalez Md PA

Professional Association

$35,112 Paid in Full
Address:
7777 Forest Ln Ste C670
Dallas, TX75230-6804
Approved

Mar 24, 2021

Forgiven

$35,464

Jobs Reported

5

Loan #

8031588609

Loan Size

Small

Metroplex Allergy And Asthma Associates PLLC

Limited Liability Company(LLC

$118,483 Paid in Full
Address:
7777 Forest Ln Ste C530
Dallas, TX75230-2547
Approved

Feb 22, 2021

Forgiven

$119,542

Jobs Reported

9

Loan #

3004398504

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 50 PPP loan records are linked to businesses associated with Mike Speak. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Mike Speak on the map

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Mike Speak in Corona, CA: Background Summary

Location
1367 Whispering Wind Ln, Corona, CA 92881, Corona, CA 92881
Other Locations
Derby, KS
Profiles Found
6 people with this name
Phone Numbers
(720) 276-9340 and 3 others on file
Email
speakl45@gmail.com
Possible Relatives
Michael A Speak, Lisa A Speak, James Michael Speake, Gail Speake
Career
Non Employee Compensation - consultant
Vehicles
2 linked โ€” 2010 Chrysler Town & Country, 2007 Hyundai Santa Fe
Contributions
$750 total โ€” Obama, Barack
PPP Loans
$5456K for Joel W Brook Dpm PA, Dallas Obgyn PA

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 Mike Speak. Because public records are indexed by name rather than by a unique identifier, the 64 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

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 Mike Speak

Search Complexity: Moderate

64 public records across 8states, belonging to approximately 6 different individuals. There are 6 distinct profiles in the results. Using the state filter or checking age and address details will help identify the correct individual.

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: Virginia (3%), followed by Texas and Colorado. Spans the South and West regions.

VA2recordsTX1recordCO1recordWI1recordCA1recordKS1record

Record Type Breakdown

Data spans 5 record categories. Largest: PPP Loan Records (78%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (6) and Business & Corporate Filings (3).

50
PPP Loan Records
6
Contact & Address Records
3
Business & Corporate Filings
3
Political Contribution Records
2
Vehicle Registration Records

Age Distribution

Age range: approximately 15 years. Largest group: Senior (65+) (50%).

Senior (65+)1personMiddle-Age (40-64)1person

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

Frequently Asked Questions About Mike Speak

What vehicles are registered to Mike Speak?
Records show 2 vehicle registrations associated with Mike Speak, including a 2010 Chrysler Town & Country. Registered makes include Chrysler, Hyundai. 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 Mike Speak?
We found 3 business affiliations for Mike Speak (Non Employee Compensation - consultant). Business records are compiled from state registries, SEC filings, and professional databases.
Has Mike Speak made political donations?
FEC disclosure records show 3 reported political contributions from Mike Speak, totaling $750. Recipients include Obama, Barack. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Mike Speak?
Our database contains 64 total records for Mike Speak spanning 8 states. This includes 6 distinct contact records, 3 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 Mike Speak?
The 64 records displayed for Mike Speak 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 Mike Speak 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.