Rajan Gulati from Palm Bay, FL

Age 74
๐Ÿ“ 1491 Halstead Ave, Palm Bay, FL 32907
๐Ÿ“ž (716) 631-0966, (716) 861-2785
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Parshotamk Gulati,Sudarshan K Gulati,Neera Gulati,Ashvani K Gilati,Dr Sk Gulati

Rajan Gulati from Brona, NJ

Age 64
๐Ÿ“ 2 Clarigge Dr, Brona, NJ 07044
๐Ÿ“ž (845) 342-3669, (914) 342-4774, (914) 469-9071, (914) 469-5890

Rajan Gulati from Buffalo, NY

Age 86 b. Sep 1939 Erie Co.
๐Ÿ“ 36 Mar Del Way
๐Ÿ“ž (716) 631-0966

Rajan Gulati from Allegany, NY

Age 69
๐Ÿ“ 3 St Johns Dr, Allegany, NY 14706
๐Ÿ“ž (716) 373-3507

Rajan Gulati from Allegany, NY

Age 73 b. Aug 1952 Cattaraugus Co.
๐Ÿ“ 3413 Maple Extension Rr Ave
๐Ÿ“ž (716) 373-3507

Rajan Gulati from Middletown, NY

Age 76 b. Oct 1949 Orange Co.
๐Ÿ“ 111 Maltese Dr

Rajan Gulati from Chester, NY

Age 76 b. Oct 1949 Orange Co.
๐Ÿ“ 150 Rr Box 2 1 Ae

Rajan Gulati from Verona, NJ

Age 89 b. 1937 Male
๐Ÿ“ 2 Claridge Dr Apt 1ae
๐Ÿ’ผ 1310
๐Ÿ“ž (973) 239-8798

Rajan Gulati from Cuba, NY

๐Ÿ“ 45 W Main St
๐Ÿ“ž (917) 747-6532 (VERIZON WIRELESS)

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 9 contact records for Rajan Gulati across 3 states. The most recent address on file is in Buffalo, New York. Of these records, 7 include phone numbers. Ages range from 64 to 74, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Gulati, Rajan

Allegany County
PIN: 16601900040280010000
· 3 St John
Lot: 3,618sqft

Gulati, Rajan

Ulster County
PIN: 9100000020090000000
Lot: 170,488sqft

Gulati Rajan Revtrust

Erie County
· 36 Mar Del Way, Amherst Ny
Built: 1966.0
Assessed: $310,000

Rajan Gulati

2021 Erie County
· 36 Mar Del Way, Amherst

Gulati, Rajan

Doc #2024052300654001
· 50 Central Park West, New York Ny 10023
Record: P

Gulati, Rajan

Doc #2020031600328001
· 50 Central Park West, New York Ny 10023
Record: P

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 6 property records linked to Rajan Gulati in Amherst, New York. Values shown are from county assessor records and may differ from current market prices.

Rajan Gulati

Unaffiliated
2 Claridge Dr 1-Ae, Verona, 07044
DOB: 10/6/1949
County: Essex

Rajan Gulati

Reg: MM2317
3 St Johns St
DOB: 19520823 Gender: Male
Senate: 23

Rajan Gulati

Reg: S4212590
36 Mar Del Way
DOB: 19390904 Gender: Female
Senate: 26

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 3 voter registration records were found for Rajan Gulati. Party affiliation is listed as U. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2002 ACURA TL
ยท Registered to: Rajan Gulati
ยท VIN: 19UUA56612A058382
·
3 Saint Johns Dr, Allegany, NY, 14706-9675
·
147069675
2011 Acura Rdx
ยท Registered to: Rajan Gulati
ยท VIN: 5J8TB1H26BA005687
·
3 Saint Johns Dr, Allegany, NY, 14706-9675
·
(716) 373-3507

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 2 vehicle registration records are associated with Rajan Gulati. Registered makes include Acura. 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.

Cuba Memorial Hospital

Chief Of Staff
rgulati@cubamemorialhospital.org
Cuba,

RG Realty of Middletown Inc

Chairman of the Board
(845) 342-5199
Middletown, NY
Real Estate (Housing)

Bazaraa Hesham MD

President
Middletown, NY
Business Services (Services)

Milltown Medical

Manager
(845) 344-1272
Middletown, NY
Health Services (Services)

Rajan Gulati MD

Owner
(585) 968-1628
Cuba, NY
Health Services (Services)

Center For Prayer & Meditation INC

Rajan GulatiPres
New York, NY

Rajan Gulati

Business Person
Parle Agro Pvt LTD
Hanumangarh, Rajasthan, India Consumer Goods

Rajan Gulati

Uttarakhand

National Professional Billing

Rajan GulatiOwner
(845) 342-3669
Middletown, NY

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 12 business affiliations were found for Rajan Gulati. Companies include RG Realty of Middletown Inc, Bazaraa Hesham MD, Milltown Medical and 3 more. Roles listed include Chief Of Staff and President. Records are compiled from state business registries, SEC filings, and professional networking databases.

Rajan Gulati Physician P.c.

ID: 3080257
Addr: 45 W Main St, Cuba, NEW YORK, 14727-1403
Filed: Jul 20, 2004 NEW YORK Cattaraugus County
Chairman: Rajan Gulati

R & A Equipment Corporation

ID: 1322906
Addr: One Corwin Court, Newburgh, NEW YORK, 12550
Filed: Feb 2, 1989 NEW YORK Orange County
Chairman: Rajan Gulati

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

Rajan Gulati

M.D
Individual
NPI: 1275534000

Rajan Gulati

MD
INTERNAL MEDICINE
Individual Male
NPI: 1487735155
School: OTHER (1975)
Org: Olean Medical Group Partnership

Source: CMS NPI Registry (NPPES) ยท State Medical Boards ยท Healthcare Provider Databases 2 healthcare provider records found for Rajan Gulati in the CMS National Provider Identifier registry. NPI registration is required for providers billing Medicare or Medicaid. Listing here does not constitute an endorsement of care quality.

Rajan Gulati

May 11, 2015, 09:00 AM
ยท Meeting with: White House Staff
ยท OEOB

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA Rajan Gulati 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.

$250 Jan 31, 1996
1996 REP
D'Amato, Alfonse M
Gulati, Rajan Physician @ Middletown Medical P C Middletown, NY
$125 Aug 6, 2001
2002
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Physician Cuba, NY
$175 Apr 10, 2001
2002
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Physician Cuba, NY
$5,000 Apr 17, 1996
1996
Rnc Republican National State Elections Committee
Gulati, Rajan Physician @ Middletown Medical P C Middletown, NY
$250 Nov 3, 1992
1992 REP
Gilman, Benjamin A
Gulati, Rajan Immediate Medical Care Verona, NJ
$5 Feb 20, 2023
2024 REP
Republican National Committee
Gulati, Rajan Physician @ Self Employed Middletown, NY
$150 May 16, 2000
2000
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Physician @ Middletown Medical P C Cuba, NY
$1,000 Apr 17, 2018
2018 REP
Nrcc
Gulati, Rajan Physician @ Middletown Medical Middletown, NY
$175 Dec 29, 2008
2008
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Cuba, NY
$275 Nov 6, 2000
2000 REP
Gilman, Benjamin A
Gulati, Rajan Physician @ Middletown Medical P C Middletown, NY
$350 May 29, 1996
1996
Rnc Republican National State Elections Committee
Gulati, Rajan Physician @ Middletown Medical P C Middletown, NY
$175 Mar 20, 2008
2008
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Md Middletown, NY
$175 Mar 6, 2009
2010
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Md Middletown, NY
$175 Jan 25, 2010
2010
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Cuba, NY
$400 Dec 18, 1995
1996 REP
Gilman, Benjamin A
Gulati, Rajan Physician @ Middletown Medical P C Verona, NJ
$100 Mar 22, 2005
2006 R
Bonacic, John
Gulati, Rajan Middletown, NY
$100 Mar 24, 2002
2002 REP
Bonacic, John
Gulati, Rajan Physician Middletown, NY
$750 May 15, 2000
2000 REP
Gilman, Benjamin A
Gulati, Rajan Physician @ Middletown Medical P C Verona, NJ
$175 Jan 26, 2009
2010
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Middletown, NY
$400 Dec 13, 1993
1994 REP
Gilman, Benjamin A
Gulati, Rajan Immediate Medical Care Verona, NJ
$270 Apr 18, 1996
1996
Republican National State Elections Committee Operating
Gulati, Rajan Physician @ Middletown Middletown, NY
-$200 Dec 18, 1995
1996 REP
Gilman, Benjamin A
Gulati, Rajan Physician @ Middletown Medical P C Verona, NJ
$175 Feb 17, 2009
2010
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Md Cuba, NY
$200 Dec 18, 1995
1996 REP
Gilman, Benjamin A
Gulati, Rajan Physician @ Middletown Medical P C Verona, NJ
$750 Mar 23, 1998
1998 REP
Gilman, Benjamin A
Gulati, Rajan Physician @ Middletown Medical PC Verona, NJ
$175 Jan 24, 2011
2012
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Cuba, NY
$175 Aug 18, 2003
2004
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Cuba, NY
$600 Jan 3, 1995
1996 REP
Gilman, Benjamin A
Gulati, Rajan Physician @ Middletown Medical PC Verona, NJ
$175 Nov 17, 2003
2004
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Cuba, NY
$750 Aug 5, 1997
1998
Rnc Republican National State Elections Committee
Gulati, Rajan Physician @ Middletown Medical P C Middletown, NY
$5 Feb 20, 2023
2024 REP
Republican National Committee
Gulati, Rajan Physician @ Self Employed Middletown, NY
$250 Jul 8, 1998
1998 REP
Bonacic, John J
Gulati, Rajan Physician Middletown, NY
$200 Dec 13, 1993
1994 REP
Gilman, Benjamin A
Gulati, Rajan Immediate Medical Care Verona, NJ
$175 Jan 18, 2002
2002
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Physician Cuba, NY
$600 Mar 15, 1993
1994 REP
Gilman, Benjamin A
Gulati, Rajan Immediate Medical Care Verona, NJ
$300 Jan 22, 1996
1996
Rnc Republican National State Elections Committee
Gulati, Rajan Physician @ Middletown Medical P C Middletown, NY
$175 May 20, 2008
2008
Medical Society Of The State Of New York Political Action Committee Mssnypac
Gulati, Rajan Md Cuba, NY
$270 Apr 18, 1996
1996
Rnc Republican National State Elections Committee
Gulati, Rajan Physician Middletown, NY
$250 Nov 3, 1992
REP
Gilman, Benjamin A
Contributor Immediate Medical Care Verona, NJ
$1,500 Aug 23, 2019
Unknown Committee
Gulati, Rajan Physician @ Self Employed Middletown, NY
$100
2006 R
Bonacic, John
Contributor Middletown, NY

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 41 political contribution records found for Rajan Gulati. Total disclosed contributions amount to $17,300. Recipients include Gilman, Benjamin A, Bonacic, John. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Rajan Gulati

Age 65 Male
·
3 Saint Johns Dr, Allegany, NY 14706 (Cattaraugus County)
42.1274, -78.4905
· (716) 373-3507
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1985
MP

Rajan R Gulati

Age 77 Female
·
36 Mar Del Way, Buffalo, NY 14221 (Erie County)
42.9900, -78.7526
· (716) 861-2785
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family
MP

Rajan Gulati

Age 68 Male
·
2 Claridge Dr, Verona, NJ 07044 (Essex County)
40.8332, -74.2228
· (973) 239-8798
TZ: Eastern
Homeowner Multi-Family Built 1976 Purchased 1999

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 3 demographic profiles associated with Rajan Gulati. 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 Rajan Gulati. These loans were issued to businesses, not individuals.

Boylan Law Office LLP

Limited Liability Partnership

$29,258 Paid in Full
Address:
45 W Main St
Le Roy, NY14482-1305
Approved

Feb 6, 2021

Forgiven

$29,679

Jobs Reported

2

Loan #

4597668403

Loan Size

Small

Middletown Medical, P.c.

Corporation

$4,118,300 Paid in Full
Address:
111 Maltese Dr
Middletown, NY10940-2115
Approved

Apr 10, 2020

Forgiven

$4,172,684

Jobs Reported

493

Loan #

1420407106

Loan Size

Medium-Large

Malone & Malone LLP

Limited Liability Company(LLC

$12,242 Paid in Full
Address:
45 W Main St
Little Falls, NY13365-1370
Approved

Jan 23, 2021

Forgiven

$12,320

Jobs Reported

2

Loan #

4245018305

Loan Size

Small

S&n Restaurant Group INC.

Corporation

$145,792 Paid in Full
Address:
45 W Main St
Bay Shore, NY11706-8307
Approved

Jan 23, 2021

Forgiven

$146,767

Jobs Reported

21

Loan #

4965238310

Loan Size

Small

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

Find Rajan Gulati on the map

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1
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Rajan Gulati in Buffalo, NY: Background Summary

Location
36 Mar Del Way, Buffalo, NY 14221
Other Locations
Allegany, NY ยท Middletown, NY ยท Chester, NY and 2 more
Profiles Found
9 people with this name
Phone Numbers
(716) 631-0966 and 4 others on file
Possible Relatives
Parshotamk Gulati, Sudarshan K Gulati, Neera Gulati, Ashvani K Gilati, Dr Sk Gulati and 7 more
Career
Chief Of Staff, President at RG Realty of Middletown Inc, Bazaraa Hesham MD
Voter Registration
Registered No Party Preference
Properties
4properties owned
Vehicles
2 linked โ€” 2002 Acura TL, 2011 Acura Rdx
Contributions
$17.3K total โ€” Gilman, Benjamin A, Bonacic, John
Healthcare
Licensed provider โ€” INTERNAL MEDICINE
PPP Loans
$4306K for Boylan Law Office LLP, Middletown Medical, P.c.
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 Rajan Gulati. Because public records are indexed by name rather than by a unique identifier, the 88 results displayed here may include information belonging to multiple individuals who share the same name โ€” a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Property Records

Property records originate from county assessor and recorder offices, where real estate transactions, ownership transfers, and tax assessments are documented as a matter of public record. The assessed value shown for a property is the figure used by the county to calculate property taxes and frequently differs from the property's current market value โ€” in many jurisdictions assessed values lag behind market conditions by several years. A property record updates whenever a new deed, lien, or assessment is filed with the county, so the ownership and valuation data shown here reflects the most recent filing available in our sources rather than a real-time snapshot.

Voter Registration

Voter registration data is maintained by state and county election offices and is considered public record under the election laws of most states. The party affiliation shown reflects the voter's registration at the time the record was filed; it does not necessarily indicate current political preferences, as voters may change their affiliation or register differently in subsequent elections. Not all states make their voter files publicly available โ€” some restrict access or redact certain fields such as date of birth or residential address โ€” so the completeness of voter data varies by state. Registration status (active or inactive) indicates whether the election office considers the registration current, not whether the person actually voted in recent elections.

Business and Professional Records

Business records are compiled from state Secretary of State filings, SEC EDGAR corporate disclosures, and professional networking data. When a person appears as an officer, director, or registered agent, it reflects a formal role filed with a government agency โ€” these are legal positions of responsibility, not informal job titles. Records sourced from professional profiles represent information that individuals have chosen to make publicly available about their career history, skills, and affiliations. Business entity registrations show current or historical standing with the state, but a listing does not guarantee the entity is still actively operating.

Campaign Finance Contributions

Federal election law requires the disclosure of political contributions exceeding $200 to any single committee in a calendar year. These records are filed with the Federal Election Commission (FEC) and include the donor's name, mailing address, employer, occupation, and the amount contributed. Contributions to state and local candidates are governed by each state's campaign finance laws, which may set different disclosure thresholds. The data shown here reflects what was reported in official filings and may include contributions made over the course of many election cycles, so the dates and amounts should be read in their historical context.

Healthcare Provider Data

Healthcare provider information is sourced from the National Plan and Provider Enumeration System (NPPES), a registry managed by the Centers for Medicare and Medicaid Services (CMS). Every healthcare provider that bills Medicare or Medicaid is required to obtain a National Provider Identifier (NPI), so the presence of an NPI listing confirms that the individual holds recognized healthcare credentials. The specialty, practice address, and taxonomy codes reflect the provider's own attestation at the time of registration or most recent update. An NPI listing does not constitute an endorsement of care quality, nor does it indicate whether the provider is currently accepting new patients.

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 Rajan Gulati

Search Complexity: Moderate

88 public records across 3states, belonging to approximately 9 different individuals. There are 9 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 moderately distributed across 3 states. Highest concentration: New York (26%), followed by New Jersey and Florida. Spans the Northeast and South regions.

NY23recordsNJ5recordsFL1record

Record Type Breakdown

Data spans 9 record categories. Largest: Political Contribution Records (49%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (12) and Business & Corporate Filings (12).

41
Political Contribution Records
12
Contact & Address Records
12
Business & Corporate Filings
6
Property Ownership Records
4
PPP Loan Records
3
Voter Registration Records

Age Distribution

Age range: approximately 23 years, suggesting multiple generations. Largest group: Senior (65+) (80%).

Senior (65+)4peopleMiddle-Age (40-64)1person

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

Frequently Asked Questions About Rajan Gulati

Is Rajan Gulati a registered voter?
Yes, voter registration records show Rajan Gulati is registered with U affiliation. We found 3 voter registration entries across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Rajan Gulati own property?
County assessor records show 6 properties associated with Rajan Gulati in Amherst, New York and 5 other locations. 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 Rajan Gulati?
Records show 2 vehicle registrations associated with Rajan Gulati, including a 2002 ACURA TL. 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 Rajan Gulati?
We found 12 business affiliations for Rajan Gulati (Chief Of Staff). Other companies include Bazaraa Hesham MD, Milltown Medical. Business records are compiled from state registries, SEC filings, and professional databases.
Is Rajan Gulati a healthcare provider?
Yes, the CMS National Provider Identifier registry lists Rajan Gulati as a registered healthcare provider (NPI: 1275534000). NPI registration is required for all providers billing Medicare or Medicaid. This listing confirms enrollment in the federal healthcare system but does not indicate quality of care.
Has Rajan Gulati made political donations?
FEC disclosure records show 41 reported political contributions from Rajan Gulati, totaling $17,300. Recipients include Gilman, Benjamin A and Bonacic, John. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Rajan Gulati?
Our database contains 88 total records for Rajan Gulati spanning 3 states. This includes 9 distinct contact records, 7 with phone numbers. 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 Rajan Gulati?
The 88 records displayed for Rajan Gulati 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 Rajan Gulati 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.