Pete Johansen from Irving, TX

Age 85 b. 1941 Male
๐Ÿ“ 2731 W Walnut Hill Ln Apt 211
๐Ÿ’ผ 1413
๐Ÿ“ž (972) 841-9589
โœ‰๏ธ jjohansen@netzero.net

Pete H Johansen from Daly City, CA

๐Ÿ“ 1053 Brunswick St, Daly City, CA 94014
๐Ÿ“ž (415) 584-7360, (650) 584-7360, (415) 347-7466

Pete Johansen from Las Vegas, NV

Clark Co.
๐Ÿ“ 50 N 21st St 165
๐Ÿ“ž (414) 353-3123

Pete Johansen from Crestline, CA

San Bernardino Co.
๐Ÿ“ Po Box 4991

Pete Johansen from Simi Valley, CA

Ventura Co.
๐Ÿ“ 5035 Alta St

Pete Johansen from Las Vegas, NV

Clark Co.
๐Ÿ“ 3140 Panocha St

Pete Johansen from Kelso, WA

Cowlitz Co.
๐Ÿ“ 207 W Main St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 7 contact records for Pete Johansen across 4 states. The most recent address on file is in Irving, Texas. Of these records, 3 include phone numbers and 1 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

1992 BUICK LESABRE
ยท Registered to: Pete Johansen
ยท VIN: 1G4HR53LXNH452831
·
1192 Rapala Rd, Loup City, NE, 68853
2011 HYUNDAI SANTA FE
ยท Registered to: Pete Johansen
ยท VIN: 5XYZG3AB2BG020493
·
7007 Larchmont Dr, North Highlands, CA, 95660-3419
·
(916) 331-2643
ยท Registered to: Pete Johansen
·
PO Box 99, Elmo, UT, 84521
·
(435) 653-2677

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with Pete Johansen. Registered makes include Buick, Hyundai. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Primerica

Pete JohansenManager
(330) 759-9865pete.johansen@primerica.com
1601 Motor Inn Dr Ste 120, Girard, OH44420

Music Go Round

Manager
(262) 697-7625
Kenosha, WI
Miscellaneous Retail (Stores)

Safeway

(509) 754-4441
Ephrata, WA
Food Stores (Food)

PAR Associates Inc

Manager
(717) 761-1797
Mechanicsburg, PA
Wholesale Trade - Durable Goods (Products)

Pete Johansen

Vice President
Fort Collins, CO

Cathedral Post No 1087 Of The American

Pete JohansenCommander
West Hempstead, NY

Pete Johansen

President
Great American Lines
New Jersey

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 10 business affiliations were found for Pete Johansen. Companies include Primerica, Music Go Round, Safeway and 1 more. Roles listed include Manager and Vice President. Records are compiled from state business registries, SEC filings, and professional networking databases.

๐Ÿ›๏ธ

Pete Johansen

Transportation Technician Ii
๐Ÿ’ต Pay: $4,333.84

Source: City/State Transparency Portals ยท Government Payroll Databases ยท Open Data Portals Pete Johansen appears in 1 government employment record from city, state, or federal transparency portals. Salary figures reflect taxpayer-funded public employee compensation and may not include overtime or benefits.

$200 Sep 24, 2000
2000 REP
Lazio, Rick A
Johansen, Pete N Retired Irving, TX
$200 Sep 24, 2000
REP
Lazio, Rick A
Contributor Retired Irving, TX

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 2 political contribution records found for Pete Johansen. Total disclosed contributions amount to $400. Recipients include Lazio, Rick A. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Pete Johansen

Age 75 Male
·
2731 W Walnut Hill Ln, Irving, TX 75038 (Dallas County)
32.8673, -96.9818
· (972) 841-9589
Marital: Married TZ: Central
Occ: Management Edu: Some College
Homeowner Multi-Family
MP

Pete Johansen

Age 95 Male
·
1053 Brunswick St, Daly City, CA 94014 (San Mateo County)
37.7064, -122.4550
Marital: Married TZ: Pacific
Homeowner Single Family

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

Nu-Beginning Farm, INC.

Corporation

$21,231 Paid in Full
Address:
PO Box 99
Greenville, VA24440-0091
Approved

May 29, 2020

Forgiven

$21,371

Jobs Reported

10

Loan #

4925857808

Loan Size

Small

McCrumb Construction And Marine INC.

Subchapter S Corporation

$33,000 Paid in Full
Address:
PO Box 99
Polson, MT59860
Approved

Apr 4, 2020

Forgiven

$33,030

Jobs Reported

4

Loan #

4699177000

Loan Size

Small

Clark'S Restaurant CORP.

Subchapter S Corporation

$84,031 Paid in Full
Address:
PO Box 99
Santee, SC29142
Approved

Apr 9, 2020

Forgiven

$84,745

Jobs Reported

60

Loan #

8888127004

Loan Size

Small

Hillbilly Market Corporation

Corporation

$52,083 Paid in Full
Address:
PO Box 99
Bishop, VA24604-0099
Approved

May 6, 2020

Forgiven

$52,685

Jobs Reported

17

Loan #

2547267408

Loan Size

Small

Classic City Ventures LLC

Limited Liability Company(LLC

$34,702 Paid in Full
Address:
1120 Baxter St
Athens, GA30606-3710
Approved

Jan 28, 2021

Forgiven

$31,085

Jobs Reported

15

Loan #

7596568301

Loan Size

Small

Kmge, INC.

Corporation

$6,300 Paid in Full
Address:
PO Box 462
McCammon, ID83250
Approved

Apr 6, 2020

Forgiven

$6,352

Jobs Reported

1

Loan #

6181407002

Loan Size

Small

Kate Jones Real Estate LLC

Limited Liability Company(LLC

$6,700 Paid in Full
Address:
PO Box 99
Big Arm, MT59910-0099
Approved

Apr 29, 2020

Forgiven

$6,782

Jobs Reported

1

Loan #

3779857303

Loan Size

Small

Edgard Farms, LLC

Limited Liability Company(LLC

$54,500 Paid in Full
Address:
PO Box 99
Paulina, LA70763-0099
Approved

Apr 9, 2020

Forgiven

$55,028

Jobs Reported

4

Loan #

9301487003

Loan Size

Small

Enertech Solutions INC

Corporation

$20,817 Paid in Full
Address:
1601 Motor Inn Dr Ste 330
Girard, OH44420-2489
Approved

Mar 2, 2021

Forgiven

$20,185

Jobs Reported

2

Loan #

5826468510

Loan Size

Small

Smith Flooring, INC

Corporation

$657,800 Paid in Full
Address:
PO box 99
Mountain View, MO65548
Approved

Apr 9, 2020

Forgiven

$663,410

Jobs Reported

75

Loan #

8958117008

Loan Size

Medium

Capstone Insurance Services INC

Corporation

$24,585 Paid in Full
Address:
Po Box 99
Sherwood, OR97140
Approved

Jun 9, 2020

Forgiven

$24,755

Jobs Reported

2

Loan #

9884487810

Loan Size

Small

Three Rivers Sheltered Industries, INC.

Non-Profit Organization

$28,000 Paid in Full
Address:
PO Box 99
Birch Tree, MO65438
Approved

Apr 28, 2020

Forgiven

$28,255

Jobs Reported

23

Loan #

7929587201

Loan Size

Small

Clark And Company Of Santee, LLC

Subchapter S Corporation

$35,637 Paid in Full
Address:
PO Box 99
Santee, SC29142
Approved

Apr 9, 2020

Forgiven

$35,929

Jobs Reported

5

Loan #

8904867004

Loan Size

Small

Douglas County Land Conservancy

Non-Profit Organization

$23,900 Paid in Full
Address:
PO Box 462
Castle Rock, CO80104-0462
Approved

Apr 6, 2020

Forgiven

$24,140

Jobs Reported

4

Loan #

5611737003

Loan Size

Small

Process Components INC

Corporation

$53,750 Paid in Full
Address:
PO Box 99
North Franklin, CT06254-0099
Approved

Apr 8, 2020

Forgiven

$54,270

Jobs Reported

4

Loan #

8647017005

Loan Size

Small

Southern Restaurant Group LLC

Limited Liability Company(LLC

$2,195,000 Paid in Full
Address:
PO Box 99
Destin, FL32540
Approved

Apr 27, 2020

Forgiven

$2,219,755

Jobs Reported

133

Loan #

3730547205

Loan Size

Medium-Large

Premier Stables LLC

Limited Liability Company(LLC

$33,230 Paid in Full
Address:
PO Box 99
Simpsonville, KY40067
Approved

Apr 27, 2020

Forgiven

$33,438

Jobs Reported

5

Loan #

4309747207

Loan Size

Small

Jpr Towing & Transportation, INC.

Corporation

$33,135 Paid in Full
Address:
PO Box 462
Barnhart, MO63012
Approved

Apr 30, 2020

Forgiven

$33,314

Jobs Reported

3

Loan #

6843317304

Loan Size

Small

Kees Industries

Limited Liability Company(LLC

$3,900 Paid in Full
Address:
PO Box 462
Placerville, CO81430-0462
Approved

May 8, 2020

Forgiven

$3,947

Jobs Reported

1

Loan #

4144387403

Loan Size

Small

Iatse Local 115

Non-Profit Organization

$38,964 Paid in Full
Address:
PO Box 462
Jacksonville, FL32201-0462
Approved

Apr 30, 2020

Forgiven

$39,196

Jobs Reported

7

Loan #

5075907306

Loan Size

Small

Ritchie County Insurance Agency INC

Corporation

$23,440 Paid in Full
Address:
PO Box 99
Ellenboro, WV26346-0099
Approved

May 15, 2020

Forgiven

$23,616

Jobs Reported

2

Loan #

6890797409

Loan Size

Small

Clark'S Motel, INC.

Subchapter S Corporation

$54,262 Paid in Full
Address:
PO Box 99
Pinewood, SC29125
Approved

Apr 7, 2020

Forgiven

$54,708

Jobs Reported

19

Loan #

7025967009

Loan Size

Small

Rac Corporation

Corporation

$190,600 Paid in Full
Address:
PO Box 99
Saint Germain, WI54558-0099
Approved

Apr 12, 2020

Forgiven

$192,469

Jobs Reported

38

Loan #

4018047100

Loan Size

Medium

Pressley Contracting, INC.

Corporation

$35,200 Paid in Full
Address:
PO Box 462
Falkville, AL35622
Approved

Apr 9, 2020

Forgiven

$35,415

Jobs Reported

7

Loan #

9040377006

Loan Size

Small

Lube Plus INC.

Corporation

$109,900 Paid in Full
Address:
PO Box 99
Muenster, TX76252
Approved

Apr 28, 2020

Forgiven

$111,020

Jobs Reported

8

Loan #

7588807207

Loan Size

Small

Killen Drugs, INC.

Corporation

$96,247 Paid in Full
Address:
PO Box 99
Killen, AL35645-0099
Approved

Apr 9, 2020

Forgiven

$96,803

Jobs Reported

18

Loan #

9646187002

Loan Size

Small

Congregation Of St. Anne Roman Catholic Church

Non-Profit Organization

$22,002 Paid in Full
Address:
PO Box 99
Napoleonville, LA70390-0090
Approved

Apr 30, 2020

Forgiven

$22,202

Jobs Reported

7

Loan #

6553857304

Loan Size

Small

It'S My Girlfriends Consignment Boutique LLC

Corporation

$7,710 Paid in Full
Address:
PO Box 462
North Conway, NH03860
Approved

Apr 15, 2020

Forgiven

$7,783

Jobs Reported

5

Loan #

9979327103

Loan Size

Small

W D Farrior Iii

Sole Proprietorship

$18,270 Paid in Full
Address:
PO Box 99
Letohatchee, AL36047-0099
Approved

Apr 7, 2020

Forgiven

$18,385

Jobs Reported

3

Loan #

6601427005

Loan Size

Small

Helms Robison & Lee, P.a.

Corporation

$271,700 Paid in Full
Address:
PO Box 99
Monroe, NC28111-0099
Approved

Apr 14, 2020

Forgiven

$248,042

Jobs Reported

16

Loan #

7264497105

Loan Size

Medium

At Your Service Deliveries INC

Corporation

$493,102 Paid in Full
Address:
PO Box 99
Brighton, CO80601
Approved

Apr 15, 2020

Forgiven

$497,102

Jobs Reported

38

Loan #

8884467102

Loan Size

Medium

John Rose Trucking & Excavating

Partnership

$12,100 Paid in Full
Address:
PO Box 99
Homeworth, OH44634-0099
Approved

May 6, 2020

Forgiven

$12,232

Jobs Reported

2

Loan #

2688397405

Loan Size

Small

Gm Mechanical INC

Corporation

$139,674 Paid in Full
Address:
PO Box 99
Somers Point, NJ08244
Approved

Apr 29, 2020

Forgiven

$140,898

Jobs Reported

15

Loan #

2511327302

Loan Size

Small

Garner Lumber INC

Corporation

$197,700 Paid in Full
Address:
PO Box 462
James Creek, PA16657-0462
Approved

Apr 6, 2020

Forgiven

$198,810

Jobs Reported

20

Loan #

6039537005

Loan Size

Medium

Hawaii Farmers Union United

Non-Profit Organization

$20,974 Paid in Full
Address:
PO Box 99
Wailuku, HI96793
Approved

Apr 27, 2020

Forgiven

$21,235

Jobs Reported

2

Loan #

5955847201

Loan Size

Small

W2 Productions, LLC

Limited Liability Company(LLC

$11,292 Paid in Full
Address:
PO Box 462
Albion, CA95410
Approved

May 1, 2020

Forgiven

$11,399

Jobs Reported

1

Loan #

1021477707

Loan Size

Small

Good Goods LLC

Limited Liability Company(LLC

$301,700 Paid in Full
Address:
PO Box 462
Jackson, WY83001
Approved

Apr 10, 2020

Forgiven

$304,180

Jobs Reported

34

Loan #

2534887102

Loan Size

Medium

J McDonald

Sole Proprietorship

$46,900 Paid in Full
Address:
PO Box 99
Tatum, SC29594
Approved

Apr 30, 2020

Forgiven

$47,316

Jobs Reported

7

Loan #

7899697306

Loan Size

Small

Stanley Schaeffer & Associates

Partnership

$43,850 Paid in Full
Address:
PO Box 99
Dimmitt, TX79027
Approved

Apr 11, 2020

Forgiven

$44,256

Jobs Reported

2

Loan #

3244327105

Loan Size

Small

Junior Achievement Of Mahoning Valley I

Non-Profit Organization

$43,700 Paid in Full
Address:
1601 Motor Inn Dr
Girard, OH44420-2420
Approved

Jan 23, 2021

Forgiven

$44,111

Jobs Reported

4

Loan #

4534038307

Loan Size

Small

Ben Otto Electric LLC

Limited Liability Company(LLC

$80,000 Paid in Full
Address:
PO Box 99
Victoria, MN55386
Approved

Apr 13, 2020

Forgiven

$76,414

Jobs Reported

5

Loan #

4513787107

Loan Size

Small

Southland Construction,LLC

Partnership

$17,725 Paid in Full
Address:
PO Box 99
Scobey, MT59263-1106
Approved

Apr 15, 2020

Forgiven

$17,822

Jobs Reported

4

Loan #

2120307201

Loan Size

Small

Tybee Life INC

Corporation

$52,304 Paid in Full
Address:
PO Box 99
Tybee Island, GA31328-0099
Approved

May 1, 2020

Forgiven

$52,655

Jobs Reported

11

Loan #

9814327704

Loan Size

Small

Business Bullpen LLC

Limited Liability Company(LLC

$51,190 Paid in Full
Address:
PO Box 462
Charlottesville, VA22902
Approved

Apr 27, 2020

Forgiven

$51,518

Jobs Reported

3

Loan #

4348787200

Loan Size

Small

Mitchell & Spry Enterprises, LLC

Partnership

$51,615 Paid in Full
Address:
PO Box 99
Killen, AL35645-0099
Approved

Apr 9, 2020

Forgiven

$51,995

Jobs Reported

4

Loan #

9709647007

Loan Size

Small

Coastal Construction & Painting LLC

Limited Liability Company(LLC

$24,400 Paid in Full
Address:
PO Box 462
Tappahannock, VA22560
Approved

May 11, 2020

Forgiven

$24,632

Jobs Reported

13

Loan #

5042827408

Loan Size

Small

Robert Hendrix Jr

Independent Contractors

$1,898 Paid in Full
Address:
PO Box 99
Syracuse, OH45779
Approved

May 28, 2020

Forgiven

$1,918

Jobs Reported

1

Loan #

4448687801

Loan Size

Small

Classic City Ventures, LLC

Limited Liability Company(LLC

$27,650 Paid in Full
Address:
1120 Baxter St
Athens, GA30606-3710
Approved

Apr 7, 2020

Forgiven

$21,642

Jobs Reported

5

Loan #

7363227002

Loan Size

Small

Challenge House Incorporated

Non-Profit Organization

$8,897 Paid in Full
Address:
PO Box 462
Hopkinsville, KY42241-0462
Approved

Jun 18, 2020

Forgiven

$8,940

Jobs Reported

2

Loan #

8295147908

Loan Size

Small

Colby D Welch And Associates

Sole Proprietorship

$12,200 Paid in Full
Address:
PO Box 99
Harrison, ME04040
Approved

Apr 27, 2020

Forgiven

$12,356

Jobs Reported

4

Loan #

5634667205

Loan Size

Small

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

Find Pete Johansen on the map

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Pete Johansen in Irving, TX: Background Summary

Location
2731 W Walnut Hill Ln Apt 211, Irving, TX 75038
Other Locations
Daly City, CA ยท Las Vegas, NV ยท Crestline, CA and 2 more
Profiles Found
7 people with this name
Phone Numbers
(972) 841-9589 and 4 others on file
Email
jjohansen@netzero.net
Career
Manager, Vice President at Primerica, Music Go Round
Vehicles
3 linked โ€” 1992 Buick Lesabre, 2011 Hyundai Santa Fe and 1 more
Contributions
$400 total โ€” Lazio, Rick A
PPP Loans
$5909K for Nu-Beginning Farm, INC., McCrumb Construction And Marine INC.

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 Pete Johansen. Because public records are indexed by name rather than by a unique identifier, the 78 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 Pete Johansen

Search Complexity: Moderate

78 public records across 11states, belonging to approximately 7 different individuals. There are 7 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 11 states. Highest concentration: California (8%), followed by Texas and Washington. Spans the West and South regions.

CA6recordsTX4recordsWA2recordsUT2recordsNV2recordsOH1record

Record Type Breakdown

Data spans 5 record categories. Largest: PPP Loan Records (67%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (10) and Business & Corporate Filings (10).

50
PPP Loan Records
10
Contact & Address Records
10
Business & Corporate Filings
3
Vehicle Registration Records
2
Political Contribution Records

Frequently Asked Questions About Pete Johansen

What vehicles are registered to Pete Johansen?
Records show 3 vehicle registrations associated with Pete Johansen, including a 1992 BUICK LESABRE. Registered makes include Buick, 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 Pete Johansen?
We found 10 business affiliations for Pete Johansen, including Primerica (Manager). Other companies include Music Go Round, Safeway. Business records are compiled from state registries, SEC filings, and professional databases.
Has Pete Johansen made political donations?
FEC disclosure records show 2 reported political contributions from Pete Johansen, totaling $400. Recipients include Lazio, Rick A. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Pete Johansen?
Our database contains 78 total records for Pete Johansen spanning 11 states. This includes 7 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 Pete Johansen?
The 78 records displayed for Pete Johansen 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 Pete Johansen 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.