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Philip Calandra

Age 92 b. 1934-01-04
📍 19123 Parkwood Ln, Brownstwn Twp Mi 48183-6807, Brownstown Twp Mi
📞 (313) 581-6630, (313) 728-1456
✉️ PHILIP.CALANDRA@YAHOO.COM

Philip Calandra from Houston, TX

Age 65
📍 4381 Po Box, Houston, TX 77210
📞 (907) 346-4465, (713) 266-8189
👨‍👩‍👧 Relatives: Phleta L Calandra,Philip John Calandra,Phleta L Calandra,Joan M Calandra,John Philip Calandra

Philip Calandra

📍 204 Sycamore Dr, New Windsor Ny
📞 (718) 679-0047, (845) 222-0046
✉️ KELLYJCALANDRA@AOL.COM

Philip Calandra from Elmont, NY

Age 56
📍 24 Covert Ave #e, Elmont, NY 11003
📞 (516) 437-2825, (516) 242-6949, (516) 330-3900, (718) 417-4894, (516) 437-2825, (718) 381-8094, (718) 296-8183
👨‍👩‍👧 Relatives: Regina M Calandra

Philip Calandra from Peoria, AZ

Age 61 b. 1965 Maricopa Co.
📍 9338 W Buckskin Trl
📞 (623) 566-6712

Philip Calandra from Tampa, FL

Male
📍 2083 Forester Way Spring Hill Fl
📞 (917) 561-3313 (AT&T MOBILITY)

Philip Calandra from Spring Hill, FL

Age 68 b. 1958 Male
📍 2083 Forester Way
📞 (917) 561-3313

Philip Calandra from Lemoore, CA

Age 78 b. Nov 1947 Kings Co.
📍 1454 Cedar Ln

Philip Calandra from Barrington, IL

Age 47 b. Apr 1979 Lake Co.
📍 28116 W Roberts Rd

Philip Calandra from Garnerville, NY

Age 63 b. Sep 1962 Rockland Co.
📍 17 Kensington Cir
👤 aka Philip Calandra

Philip Calandra from Detroit, MI

Age 88 b. Nov 1937 Wayne Co.
📍 13030 E Mcnichols Rd

Philip Calandra from Niantic, CT

Age 75 b. Sep 1950
📍 17 Whitecap Rd

Philip Calandra from Commack, NY

Age 77 b. Dec 1948 Suffolk Co.
📍 25 Cottonwood Dr Unit L

Philip Calandra from Foster City, CA

Age 76 b. Feb 1950 San Mateo Co.
📍 311 Dolphin Is

Philip Calandra from Palm Beach Gardens, FL

Age 41 b. 1985 Male
📍 606 Club Dr
📞 (561) 627-8469

Philip Calandra from Elmont, NY

Nassau Co.
📍 24 Covert Ave

Philip Calandra from Woodstock, IL

Mchenry Co.
📍 2030 N Seminary Ave

Philip Calandra from Houston, TX

Harris Co.
📍 10806 Wickersham Ln

Philip Calandra from Garnerville, NY

Rockland Co.
📍 17 Kensington Ci

Philip Calandra from Anchorage, AK

Anchorage Co.
📍 5960 Orth Cir

Philip Calandra from Wayne, NJ

📍 9 Aspen Ct

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 21 contact records for Philip Calandra across 10 states. The most recent address on file is in Peoria, Arizona. Of these records, 8 include phone numbers and 2 include email addresses. Ages range from 56 to 65, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Calandra Philip J & Phleta L

Jefferson County
PIN: 12-2N-5E-0000-0050-0000
· 713 Brock Rd, Monticello 32344
Value: $471,675

Calandra, Philip

Wayne County
PIN: 70027010031000
· 19123 Parkwood Ln
Lot: 12,021sqft

Calandra Philip J & Phleta L

Franklin County
· 957 W Pine Ave, Apalachicola 32328.0
Built: 2002.0
Assessed: $122,449

Calandra, Philip J. & Christine M.

Residential Mercer County
· 420 Cranbury Road, 08550

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 4 property records linked to Philip Calandra in Apalachicola. Values shown are from county assessor records and may differ from current market prices.

Philip D Calandra

Republican Reg: 6/16/2015
2025 W 25th Ave, Eugene, OR, 97405
DOB: 1/1/1950
County: Lane

Philip J Calandra

Unaffiliated
420 Cranbury Rd, West Windsor, 08550
DOB: 7/15/1975
County: Mercer

Philip Joseph Calandra

2083 Forester Way, Spring Hill, , 34606

Philip Calandra

Reg: 09694671
25 Cottonwood Dr
DOB: 19481221 Gender: Male
Senate: 3

Philip J F Calandra

Reg: 941197
204 Sycamore Dr
DOB: 19770715 Gender: Male
Senate: 18

Philip J Calandra

Reg: 99184497
24 Covert Ave
DOB: 19580112 Gender: Male
Senate: 4

Philip Jf Calandra

Reg: 0631944
1 Kensington Cir 17a
DOB: 19770715 Gender: Male
Senate: 18

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 7 voter registration records were found for Philip Calandra in Oregon, . Records show affiliations with REP, U, 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.

2012 Kia Sorento
· Registered to: Philip Calandra
· VIN: 5XYKWDA23CG213747
·
420 Cranbury Rd, Princeton Junction, NJ, 08550
·
(609) 799-4307
2003 Ford F150
· Registered to: Philip Calandra
· VIN: 2FTRX18W73CA27260
·
9338 W Buckskin Trl, Peoria, AZ, 85383
·
(623) 566-6712

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 2 vehicle registration records are associated with Philip Calandra. Registered makes include Kia, Ford. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Fish Market Inc

Philip CalandraPresident
(313) 581-6630philip@thefishmarket.com
4355 Schaefer Rd, Dearborn, MI48126

Philip Calandra

United States
LinkedIn

Interaudi Bank

Philip CalandraCeo
(718) 679-0047pcalandra@netzero.net
276 Temple Hill Rd, New windsor, NY12553

Interaudi Bank

Philip CalandraCeo
(718) 679-0047pcalandra@netzero.net
276 Temple Hill Rd, New windsor, NY12553
bankaudiusa.com

Philip Calandra

Telecommunications Technician · United States

Interaudi Bank

Philip CalandraCeo
(718) 679-0047pcalandra@netzero.net
276 Temple Hill Rd, New windsor, NY12553

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 7 business affiliations were found for Philip Calandra. Companies include Fish Market Inc, Interaudi Bank. Roles listed include President and Ceo. Records are compiled from state business registries, SEC filings, and professional networking databases.

P.a.n. Incorporated

Addr: 2025 W 25th Ave, Eugene, OR, 97405
OR
PRESIDENT: Philip Calandra

P.a.n. Incorporated

Addr: 2025 W 25th Ave, Eugene, OR, 97405
OR
Officer: Philip Calandra

Source: Public Records Philip Calandra appears in 2 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Philip Calandra

Southern Regional High School - Manahawkin, NJ, NJ
1993

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Philip Calandra 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.

$13 Mar 14, 2003
2004
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$13 Jul 15, 2003
2004
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$13 Apr 15, 2004
2004
Bp Corporation North America INC Politi
Calandra, Philip J Centre Consolidation Expat Sunbury Houston, TX
$13 Oct 15, 2003
2004
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$25 Oct 31, 2002
2002 UNK
Bp Corporation North America INC. Political Action Committee
Calandra, Philip J Stf Consulting It Advisor @ BP Houston, TX
$13 Jun 13, 2003
2004
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$25 Sep 30, 2002
2002 UNK
Bp Corporation North America INC. Political Action Committee
Calandra, Philip J Stf Consulting It Advisor @ BP Houston, TX
$13 Dec 15, 2003
2004
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$13 Aug 15, 2003
2004
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$13 Aug 13, 2004
2004
Bp Corporation North America INC Politi
Calandra, Philip J Centre Consolidation Expat Sunbury Houston, TX
$13 Oct 15, 2004
2004
Bp Corporation North America INC Politi
Calandra, Philip J Centre Consolidation Expat Sunbury Houston, TX
$25 Nov 29, 2002
2002 UNK
Bp Corporation North America INC. Political Action Committee
Calandra, Philip J Stf Consulting It Advisor @ BP Houston, TX
$0 Mar 31, 2002
2002 UNK
Bp Corporation North America INC. Political Action Committee
Calandra, Philip J Stf Consulting It Advisor @ BP Houston, TX
$25 Sep 30, 2002
2002
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$13 Sep 15, 2004
2004
Bp Corporation North America INC Politi
Calandra, Philip J Centre Consolidation Expat Sunbury Houston, TX
$13 Jan 15, 2004
2004
Bp Corporation North America INC Politi
Calandra, Philip J Centre Consolidation Expat Sunbury Houston, TX
$25 Feb 28, 2003
2004
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$25 Dec 31, 2002
2002 UNK
Bp Corporation North America INC. Political Action Committee
Calandra, Philip J Stf Consulting It Advisor @ BP Houston, TX
$13 Jun 15, 2004
2004
Bp Corporation North America INC Politi
Calandra, Philip J Centre Consolidation Expat Sunbury Houston, TX
$13 Sep 15, 2003
2004
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$13 Nov 14, 2003
2004
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$25 Sep 28, 2001
2002 UNK
Bp Corporation North America INC. Political Action Committee
Calandra, Philip J Stf Consulting It Advisor @ BP Houston, TX
$25 Jan 31, 2003
2004
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$13 May 15, 2003
2004
Bp Corporation North America INC Politi
Calandra, Philip J Sulting I T Advisor Expat Sunbury Houston, TX
$13 Aug 13, 2004
Bp Corporation North America INC Politi
Contributor Centre Consolidation Expat Sunbury Houston, TX

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 25 political contribution records found for Philip Calandra. Total disclosed contributions amount to $400. Recipients include Bp Corporation North America INC Politi. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Philip Calandra

Age 83 Male
·
19123 Parkwood Ln, Brownstwn Twp, MI 48183 (Wayne County)
42.1663, -83.2526
· (734) 676-8146
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1996 Purchased 2010
MP

Philip Calandra

Age 69 Male
·
713 Brock Rd, Monticello, FL 32344 (Jefferson County)
30.5914, -83.7733
· (850) 997-2694
TZ: Eastern
Homeowner Single Family Built 2008 Purchased 2010
MP

Philip J Calandra

Age 40 Male
·
204 Sycamore Dr, New Windsor, NY 12553 (Orange County)
41.4432, -74.1043
Marital: Single TZ: Eastern
Homeowner Single Family Built 1986 Purchased 2007
MP

Philip D Calandra

Age 66 Male
·
2025 W 25th Ave, Eugene, OR 97405 (Lane County)
44.0326, -123.1230
Marital: Married TZ: Pacific
Edu: High School
Single Family
MP

Philip Calandra

Age 38 Male
·
9338 W Buckskin Trl, Peoria, AZ 85383 (Maricopa County)
33.7128, -112.2600
· (623) 561-0671
Marital: Married TZ: Mountain
Homeowner Single Family
MP

Philip J Calandra

Age 66 Male
·
420 Cranbury Rd, Princeton Jct, NJ 08550 (Mercer County)
40.3134, -74.5900
· (609) 799-4307
TZ: Eastern
Homeowner Single Family Built 1903 Purchased 2012
MP

Philip Calandra

Age 59 Male
·
2083 Forester Way, Spring Hill, FL 34606 (Hernando County)
28.4649, -82.6106
· (917) 561-3313
Marital: Single TZ: Eastern
Edu: High School
Homeowner Single Family Built 1984 Purchased 2009
MP

Philip Calandra

Age 68 Male
·
25 Cottonwood Dr, Commack, NY 11725 (Suffolk County)
40.8497, -73.2716
· (631) 864-7936
Marital: Married TZ: Eastern
Homeowner Single Family Purchased 1980

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 8 demographic profiles associated with Philip Calandra. 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 Philip Calandra. These loans were issued to businesses, not individuals.

The Bumper Man LLC

Limited Liability Company(LLC

$10,500 Paid in Full
Address:
276 Temple Hill Rd Unit 2216
New Windsor, NY12553-6878
Approved

Feb 6, 2021

Forgiven

$10,556

Jobs Reported

1

Loan #

4095638405

Loan Size

Small

Azhar Saeed

Independent Contractors

$5,374 Exemption 4
Address:
276 Temple Hill Rd Unit 208
New Windsor, NY12553-6847
Approved

Apr 26, 2021

Forgiven

$5,461

Jobs Reported

1

Loan #

1467428900

Loan Size

Small

Nigel Jones

Independent Contractors

$20,833 Paid in Full
Address:
276 Temple Hill Rd
New Windsor, NY12553-6841
Approved

Feb 12, 2021

Forgiven

$20,937

Jobs Reported

1

Loan #

8036718403

Loan Size

Small

The Bumper Man LLC

Limited Liability Company(LLC

$20,832 Paid in Full
Address:
276 Temple Hill Rd
New Windsor, NY12553
Approved

Apr 27, 2020

Forgiven

$10,591

Jobs Reported

1

Loan #

4752377208

Loan Size

Small

Fitness Academy

Self-Employed Individuals

$20,833 Exemption 4
Address:
276 Temple Hill rd Unit 1801
New Windsor, NY12553
Approved

May 18, 2020

Jobs Reported

3

Loan #

8207607404

Loan Size

Small

Carlos Shidley Louis

Independent Contractors

$20,832 Paid in Full
Address:
276 Temple Hill Rd
New Windsor, NY12553-6841
Approved

May 17, 2021

Forgiven

$20,934

Jobs Reported

1

Loan #

2627759002

Loan Size

Small

Handpicked, INC.

Corporation

$16,250 Paid in Full
Address:
58 West St
Spring Valley, NY10977-4748
Approved

Mar 6, 2021

Forgiven

$16,370

Jobs Reported

5

Loan #

7525878510

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 7 PPP loan records are linked to businesses associated with Philip Calandra. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Philip Calandra on the map

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Found 40 results across 11 states

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Philip Calandra in Brownstown Twp, MI: Background Summary

Location
19123 Parkwood Ln, Brownstwn Twp Mi 48183-6807, Brownstown Twp Mi, Brownstown Twp, MI
Other Locations
Peoria, AZ · Tampa, FL · Spring Hill, FL and 13 more
Profiles Found
21 people with this name
Phone Numbers
(313) 581-6630 and 8 others on file
Email
philip.calandra@yahoo.com and 1 other on file
Possible Relatives
Phleta L Calandra, Philip John Calandra, Joan M Calandra, John Philip Calandra, Regina M Calandra
Career
President, Ceo at Fish Market Inc, Interaudi Bank
Voter Registration
Registered Republican
Properties
2properties owned
Vehicles
2 linked — 2012 Kia Sorento, 2003 Ford F150
Contributions
$400 total — Bp Corporation North America INC Politi
PPP Loans
$115K for The Bumper Man LLC, Azhar Saeed

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 Philip Calandra. Because public records are indexed by name rather than by a unique identifier, the 85 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

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 — 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 — 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.

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 Philip Calandra

Search Complexity: High

85 public records across 11states, belonging to approximately 21 different individuals. With 21 distinct profiles across 11 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 11 states. Highest concentration: New York (13%), followed by Florida and Oregon. Spans the Northeast and West regions.

NY11recordsFL5recordsOR4recordsMI4recordsNJ4recordsTX3records

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (33%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (22) and Voter Registration Records (7).

25
Political Contribution Records
22
Contact & Address Records
7
Voter Registration Records
7
Business & Corporate Filings
7
PPP Loan Records
4
Property Ownership Records

Age Distribution

Age range: approximately 45 years, suggesting multiple generations. Largest group: Senior (65+) (60%).

Senior (65+)6peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Philip Calandra

Is Philip Calandra a registered voter?
Yes, voter registration records show Philip Calandra is registered in Oregon with REP affiliation. We found 7 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Philip Calandra own property?
County assessor records show 4 properties associated with Philip Calandra . 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 Philip Calandra?
Records show 2 vehicle registrations associated with Philip Calandra, including a 2012 Kia Sorento. Registered makes include Kia, Ford. 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 Philip Calandra?
We found 7 business affiliations for Philip Calandra, including Fish Market Inc (President). Other companies include Interaudi Bank. Business records are compiled from state registries, SEC filings, and professional databases.
Has Philip Calandra made political donations?
FEC disclosure records show 25 reported political contributions from Philip Calandra, totaling $400. Recipients include Bp Corporation North America INC Politi. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Philip Calandra?
Our database contains 85 total records for Philip Calandra spanning 11 states. This includes 21 distinct contact records, 8 with phone numbers, 2 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 Philip Calandra?
The 85 records displayed for Philip Calandra 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 Philip Calandra 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.