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Osiris Cruz from Mount Vernon, NY

Age 40 b. 3/27/1986
📍 10 Rich Av Mount Vernon Ny, #mount Vernon, NY 10550
✉️ cruzosiris26@gmail.com
👨‍👩‍👧 Relatives: Eduardo Cruz,Wilfredo Cruz Fernandez,Anyelina D Cruz,Carida Fernandez Alvarez,Carmen A Hernandez Sr,Dario Fernandez,Jairo A Hernandez,Mario Hernandez,Noel Fernandez,Ruperto Cruz Fernandez,Yosmeri Fernandez,Yosmery Fernandez,Adaias Hernandez,Andrea Hernandez,Carlos A Fernandez,Carlos Fernandez,Gloria A Portillo,Jairo Hernandez,Jose R Velasquez,Jose R Velasquez-Cruz,Marcelino Fernandez,Nicolasa H Morales,Sandra Velasquez,Zoila N Cruz,Alfonso Delgado R,Alfonso Delgado Jr,Andres E Delgado,Angel B Delgado,Angel Reyes,Angela D Delgaldo,Augusto M Delgado,Carlos E Delgado,Carmen M Figueroa,Carmine N Delgaldo,Jahaira I Reyes,Jorge G Delgado Jr,Jose M Delgado,Jose L Delgado Sr,Joseph M Delgaldo,Judith Delgaldo,Luis A Delgado,Mariana D Delgado,Monica C Delgado,Nimia A Delgado,Nimia R Delgado,Nimia S Delgado,Nora I Reyes,Olga D Guerrero,Patricia D Delgado,Ralitsa V Delgado
🕐 1 previous address

Osiris Cruz

📍 5850 Parkfront Dr, Apt 397, Houston Tx
📞 (240) 505-8946, (240) 907-8630
✉️ OSIRISLORENA2681@GMAIL.COM, osirislorena2681@gmail.com

Osiris Cruz

Age 44 b. 1982-03-20
📍 6200 Village Grove Dr Apt 4, Memphis Tn
📞 (111) 111-0002, (901) 497-8594
✉️ ULISESLOPE1@YAHOOO.COM

Osiris De La Cruz

Age 47 b. 1979-01-20
📍 9020 Christiana St, Spring Valley Ca
📞 (619) 204-6106, (619) 204-6106
✉️ OSIRISDLCRUZ@GMAIL.COM

Osiris Cruz from Hialeah, FL

Age 51
📍 19701 Saint Andrews Dr, Hialeah, FL 33015
📞 (305) 829-2654, (305) 829-2654, (305) 892-1011
👨‍👩‍👧 Relatives: Ricardo Faxline Cruz,Ricardo Alexis Cruz,Sasha Cruz

Osiris Yamileth Euceda Cruz

📍 Ms 38652 New Albany, 713 Moss Hill Dr, New Albany Ms
📞 (636) 359-8423, (662) 317-9395
✉️ OSIRISCRUZEUCEDA@GMAIL.COM

Osiris Yamileth Euceda Cruz

📍 713 Moss Hill Dr, New Albany Ms 38652
📞 (636) 359-8423, (662) 317-9395
✉️ OSIRISCRUZEUCEDA@GMAIL.COM

Osiris Cruz from Spring Valley, CA

📍 524 Bluffview Rd, Spring Valley, CA 91977
📞 (619) 204-6106
✉️ osiris.delacruz@msn.com

Osiris Cruz from Houston, TX

Age 33 b. Oct 1992
📍 9901 Club Creek Dr Apt 167
📞 (832) 831-9370
👤 aka Osiris Cruz Flores, Osiris Dinora Cruz Flores, Osiris Dinora Flores Cruz

Osiris Cruz from New York, NY

Age 57 b. Apr 1969 New York Co.
📍 106 Fort Washington Ave
📞 (715) 234-3164
👤 aka Osiris Delacruz

Osiris Cruz from North Miami, FL

Age 63 b. Sep 1962 Miami Dade Co.
📍 12426 W Dixie Hwy B
📞 (631) 234-3522

Osiris Cruz

📍 8547 Imperial Hwy Apt 7a, Downey Ca
📞 (323) 401-4850
✉️ OSIRISCRUZ1990@YAHOO.COM

Osiris Cruz from Hialeah, FL

Age 64 b. 1962 Female
📍 19701 E Saint Andrews Dr
📞 (305) 829-2654

Osiris Cruz from Haverhill, MA

Age 67 b. Jul 1958
📍 Po Box 1362
👤 aka Fernando O Cruz

Osiris Cruz from Houston, TX

Age 45 b. Feb 1981
📍 5850 Parkfront Dr Apt 397
👤 aka Osiris Lorena Cruz, Osiris Lorena Cruz Cruz, Osiris L Cruzcruz

Osiris Cruz from Chicago, IL

Age 58 b. Sep 1967 Cook Co.
📍 2627 N Spaulding Ave E 2

Osiris Cruz from Rahway, NJ

Feb 2000
📍 1252 Broad St

Osiris Cruz from Miami, FL

Age 67 b. Jul 1958 Miami Dade Co.
📍 15385 Sw 76th Ter Apt 104

Osiris Cruz from Brooklyn, NY

Age 70 b. Apr 1956 Kings Co.
📍 464 Prospect Ave Apt 1 R

Osiris Cruz from Aventura, FL

0
📍 2851 183rd St #311, Aventura, FL 33160

Osiris Cruz from Las Vegas, NV

📍 1455 E Katie Ave Unit P27
📞 (702) 472-2007 (METROPCS)

Osiris Cruz from Bronx, NY

Bronx Co.
📍 1416 Walton Ave
📞 (718) 681-5702

Osiris Cruz from Andover, MA

📍 700 Bulfinch Dr 401
📞 (978) 475-7820

Osiris Cruz from Royal Palm Beach, FL

Age 58 b. 1968 Female
📍 125 Fernwood Cres

Osiris Cruz from Columbus, OH

Franklin Co.
📍 3668 Cleveland Ave Apt A 1

Osiris Cruz from Fort Hood, TX

📍 87012 Old Iron Apt 87012

Osiris Cruz from Miami, FL

Miami Dade Co.
📍 2513 Sw 10th St Apt 8

Unknown Person

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 28 contact records for Osiris Cruz across 9 states. The most recent address on file is in Spring Valley, California. Of these records, 16 include phone numbers and 8 include email addresses. The listed age is 51. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Osiris Cruz

125 Fernwood Cres, Royal Palm Beach, , 33411

Osiris Cruz

Reg: 97402205
74 Church St, 11, 10805
DOB: 19860327 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Osiris Cruz in . Voter data is released as public information under state election laws and reflects status at time of the state data release.

2013 Chevrolet Camaro
· Registered to: Osiris Cruz
· VIN: 2G1FB1E31D9163743
·
1221 6th Ave, New York, NY, 10020
·
(786) 304-8788
2008 Mercedes Benz C Class
· Registered to: Osiris Cruz
· VIN: WDDGF54X68F180763
·
19701 E Saint Andrews Dr, Hialeah, FL, 33015
2014 Hyundai Genesis Coupe
· Registered to: Osiris Cruz
· VIN: KMHHT6KD8EU119410
·
15385 Sw 76Th Ter Apt 104, Miami, FL, 33193
2011 NISSAN SENTRA
· Registered to: Osiris Cruz
· VIN: 3N1AB6AP5BL610675
·
15385 SW 76th Ter Apt 104, Miami, FL, 33193-1789
2018 HYUNDAI GENESIS COUPE
· Registered to: Osiris Cruz
· VIN: KMHHT6KD8IU119410
·
15385 SW 76th Ter Apt 104, Miami, FL, 33193
2003 TOYO HIGH
· Registered to: Osiris Cruz
· VIN: JTEGF21A430117600
·
15385 SW 76th Ter Apt 104, Miami, FL, 33193-1789
·
331931789
2012 NISSAN MURANO
· Registered to: Osiris Cruz
· VIN: JN8AZ1MW9CW237963
·
401 Vanderbilt Ave, Staten Island, NY, 10304-3519
·
(718) 536-0872

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 7 vehicle registration records are associated with Osiris Cruz. Registered makes include Chevrolet, Mercedes Benz, Hyundai, Nissan and others. The most recent model year on record is 2018. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Ossmediagroup.com

Chief Executive Officer
billing@ossmediagroup.com
New York,
LinkedIn

Osiris Cruz

Estudiante
Universidad Tecnologica De La Costa Grande De Guerrero
LinkedIn

Osiris Cruz

Owner
Express Portable
Florida
LinkedIn

Osiris Cabrera Cruz

United States

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 10 business affiliations were found for Osiris Cruz. Companies include Universidad Tecnologica De La Costa Grande De Guerrero. Roles listed include Chief Executive Officer and Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

Osscruz Media Services, INC

ID: 4268755
Addr: 503 West 172nd Street, New York, NEW YORK, 10032
Filed: Jul 10, 2012 NEW YORK New York County
DOS Process: Osiris Cruz

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

osiris cruz

Age 67
Resident 65+ Hunt/Fish
Addr: 15385 SW 76th Ter Apt 104, Miami, FL 33193
County: Miami-Dade
Phone: (305) 804-4192
Email: cruzosiris49@yahoo.com

osiris cruz

Resident 65+ Hunt/Fish
Addr: Miami, FL 33193
County: Miami-Dade
Phone: (305) 804-4192
Email: cruzosiris49@yahoo.com

Licensed Professional

Source: State Professional Licensing Boards · Dept. of Professional Regulation Osiris Cruz holds 3 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

🏛️

Osiris Cruz

Bus Operator
Department: N.y.c. Transit Authority
💵 Pay: $23.27
🏛️

Osiris Cruz

2022
City Seasonal Aide
Department: Nyc Housing Authority
💵 Pay: $40,317.00

Source: City/State Transparency Portals · Government Payroll Databases · Open Data Portals Osiris Cruz appears in 2 government employment records from city, state, or federal transparency portals. Salary figures reflect taxpayer-funded public employee compensation and may not include overtime or benefits.

Osiris K Cruz

Group Tour
Sep 27, 2012, 10:30 AM
· WH

Source: White House Visitor Logs · Obama Administration Transparency Initiative · NARA Osiris Cruz appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

Osiris Cruz

Nathaniel Narbonne High School - Harbor City, CA, CA
2003

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Osiris Cruz 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.

MP

Osiris Cruz

Age 59
·
16041 SW 110th St, Miami, FL 33196 (Miami-Dade County)
25.6651, -80.4566
Marital: Married TZ: Eastern
Homeowner Single Family Built 1992 Purchased 2007
MP

Osiris C Cruz

Age 54 Male
·
2406 Frederick Douglass Blvd, New York, NY 10027 (New York County)
40.8133, -73.9489
· (646) 372-4044
Marital: Single TZ: Eastern
Multi-Family
MP

Osiris Cruz

·
18851 NW 84th Ave, Hialeah, FL 33015 (Miami-Dade County)
25.9453, -80.3381
TZ: Eastern
Homeowner Single Family Built 1966 Purchased 2003
MP

Osiris Cruz

Age 59 Male
·
15385 SW 76th Ter, Miami, FL 33193 (Miami-Dade County)
25.6946, -80.4418
· (305) 266-0871
Marital: Inferred Single TZ: Eastern
Homeowner Multi-Family Built 1995 Purchased 2007
MP

Osiris Cruz

Age 61 Male
·
401 Vanderbilt Ave, Staten Island, NY 10304 (Richmond County)
40.6157, -74.0838
· (718) 556-0872
Marital: Inferred Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 2001 Purchased 2006
MP

Osiris X Cruz

Age 54 Female
·
19701 E Saint Andrews Dr, Hialeah, FL 33015 (Miami-Dade County)
25.9525, -80.3132
Marital: Married TZ: Eastern
Homeowner Single Family
MP

Osiris L Cruz

Age 39
·
5601 Chadwyck Dr, Austin, TX 78723 (Travis County)
30.3005, -97.6755
Marital: Inferred Married TZ: Central
Homeowner Single Family Built 1967 Purchased 2004

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with Osiris Cruz. 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 Osiris Cruz. These loans were issued to businesses, not individuals.

Awilda Gonzalez

Self-Employed Individuals

$9,075 Paid in Full
Address:
1525 Townsend Ave Apt 2C
Bronx, NY10452-6023
Approved

May 20, 2021

Forgiven

$9,113

Jobs Reported

1

Loan #

4027809010

Loan Size

Small

Tamesha Baldwin

Independent Contractors

$20,207 Paid in Full
Address:
1455 E Katie Ave Unit E13
Las Vegas, NV89119-5603
Approved

Apr 8, 2021

Forgiven

$20,266

Jobs Reported

1

Loan #

8753018702

Loan Size

Small

Joel Fries DBA Tracker Management

Sole Proprietorship

$27,042 Paid in Full
Address:
500 SW 4th Ave
New Prague, MN56071-1310
Approved

Apr 9, 2020

Forgiven

$27,255

Jobs Reported

5

Loan #

9408197010

Loan Size

Small

Karon Woods

Sole Proprietorship

$20,833 Exemption 4
Address:
1455 E Katie Ave Bldg C Unit 27
Las Vegas, NV89119-5628
Approved

May 22, 2021

Jobs Reported

1

Loan #

6358729003

Loan Size

Small

Brittney Jackson

Sole Proprietorship

$20,833 Paid in Full
Address:
1455 E Katie Ave
Las Vegas, NV89119-5628
Approved

Mar 16, 2021

Forgiven

$20,922

Jobs Reported

1

Loan #

3279428608

Loan Size

Small

Janika Thibodeaux

Sole Proprietorship

$20,833 Paid in Full
Address:
1455 E Katie Ave Unit O22
Las Vegas, NV89119-5608
Approved

Apr 5, 2021

Forgiven

$20,953

Jobs Reported

1

Loan #

7173888704

Loan Size

Small

Willie Moore

Independent Contractors

$8,666 Paid in Full
Address:
1525 Townsend Ave Apt 6H
Bronx, NY10452-6033
Approved

Apr 26, 2021

Forgiven

$8,723

Jobs Reported

1

Loan #

1649078903

Loan Size

Small

Terefe Beyene

Independent Contractors

$12,973 Paid in Full
Address:
1455 E Katie Ave Unit P16
Las Vegas, NV89119-5677
Approved

May 12, 2021

Forgiven

$13,083

Jobs Reported

1

Loan #

8687868907

Loan Size

Small

Janika Thibodeaux

Sole Proprietorship

$20,833 Exemption 4
Address:
1455 E Katie Ave Unit O22
Las Vegas, NV89119-5608
Approved

Apr 19, 2021

Jobs Reported

1

Loan #

5957158805

Loan Size

Small

Michael Hicks

Sole Proprietorship

$20,833 Paid in Full
Address:
1455 E Katie Ave
Las Vegas, NV89119-5628
Approved

May 29, 2021

Forgiven

$20,878

Jobs Reported

1

Loan #

9089039002

Loan Size

Small

Ricky Nelson

Sole Proprietorship

$20,750 Paid in Full
Address:
1455 E Katie Ave
Las Vegas, NV89119-5628
Approved

Feb 26, 2021

Forgiven

$21,051

Jobs Reported

1

Loan #

4786218505

Loan Size

Small

Brittney Jackson

Sole Proprietorship

$20,833 Paid in Full
Address:
1455 E Katie Ave
Las Vegas, NV89119-5628
Approved

Apr 11, 2021

Forgiven

$20,906

Jobs Reported

1

Loan #

1985888800

Loan Size

Small

Kristopher Oconnor

Independent Contractors

$7,500 Paid in Full
Address:
1455 E Katie Ave D 16
Las Vegas, NV89119
Approved

Apr 22, 2021

Forgiven

$7,531

Jobs Reported

1

Loan #

8431298800

Loan Size

Small

Awilda Gonzalez

Self-Employed Individuals

$9,075 Paid in Full
Address:
1525 Townsend Ave Apt 2C
Bronx, NY10452-6023
Approved

May 7, 2021

Forgiven

$9,120

Jobs Reported

1

Loan #

7364808901

Loan Size

Small

Terefe Beyene

Independent Contractors

$12,973 Paid in Full
Address:
1455 E Katie Ave Unit P16
Las Vegas, NV89119-5677
Approved

Apr 17, 2021

Forgiven

$13,041

Jobs Reported

1

Loan #

5303238806

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 15 PPP loan records are linked to businesses associated with Osiris Cruz. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Osiris Cruz on the map

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Found 40 results across 10 states

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Osiris Cruz in NY: Background Summary

Location
10 Rich Av Mount Vernon Ny Mount Vernon, NY 10550
Other Locations
Spring Valley, CA · Houston, TX · New York, NY and 13 more
Profiles Found
28 people with this name
Phone Numbers
(914) 380-9257 and 14 others on file
Email
cruzosiris26@gmail.com and 6 others on file
Possible Relatives
Eduardo Cruz, Wilfredo Cruz Fernandez, Anyelina D Cruz, Carida Fernandez Alvarez, Carmen A Hernandez SR and 48 more
Career
Chief Executive Officer at Universidad Tecnologica De La Costa Grande De Guerrero
Vehicles
7 linked — 2013 Chevrolet Camaro, 2008 Mercedes Benz C Class and 5 more
Licenses
2 professional licenses (Resident 65+ Hunt/Fish)
PPP Loans
$253K for Awilda Gonzalez, Tamesha Baldwin
White House
1 recorded visit

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 Osiris Cruz. Because public records are indexed by name rather than by a unique identifier, the 81 results displayed here may include information belonging to multiple individuals who share the same name — 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

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 — some restrict access or redact certain fields such as date of birth or residential address — 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 — 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.

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 Osiris Cruz

Search Complexity: High

81 public records across 10states, belonging to approximately 28 different individuals. With 28 distinct profiles across 10 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Professional License Records section may be most helpful for disambiguation because these records contain license numbers and issuing states.

Geographic Distribution

Records are widely distributed across 10 states. Highest concentration: Florida (23%), followed by New York and Texas. Spans the South and Northeast regions.

FL19recordsNY8recordsTX4recordsCA2recordsMA2recordsMS1record

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (46%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (15) and Business & Corporate Filings (10).

32
Contact & Address Records
15
PPP Loan Records
10
Business & Corporate Filings
7
Vehicle Registration Records
3
Professional License Records
2
Voter Registration Records

Age Distribution

Age range: approximately 36 years, suggesting multiple generations. Largest group: Senior (65+) (18%).

Senior (65+)2peopleMiddle-Age (40-64)8peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About Osiris Cruz

Is Osiris Cruz a registered voter?
Yes, voter registration records show Osiris Cruz is registered in . We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
What vehicles are registered to Osiris Cruz?
Records show 7 vehicle registrations associated with Osiris Cruz, including a 2013 Chevrolet Camaro. Registered makes include Chevrolet, Mercedes Benz, Hyundai, Nissan. 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 Osiris Cruz?
We found 10 business affiliations for Osiris Cruz (Chief Executive Officer). Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Osiris Cruz?
Our database contains 81 total records for Osiris Cruz spanning 10 states. This includes 28 distinct contact records, 16 with phone numbers, 8 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 Osiris Cruz?
The 81 records displayed for Osiris Cruz 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 Osiris Cruz 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.