Raymond Matthes from Mission Hills, CA

Age 73 b. Mar 1953 Male
๐Ÿ“ 15170 Brand Blvd
๐Ÿ“ž (818) 326-4181 (Cell), (818) 361-0513, (501) 843-6072
โœ‰๏ธ joshie3@yahoo.com

Raymond Matthes

Age 60 b. 1965-12-05
๐Ÿ“ 2708 W Washington Bl, Chgo Il 60612
๐Ÿ“ž (773) 265-1012, (312) 804-2137
โœ‰๏ธ TMATTHES@UIC.EDU, tmatthes@uic.edu

Raymond Matthes from Methuen, MA

Age 57
๐Ÿ“ 4 Grandview Rd, Methuen, MA 01844
๐Ÿ“ž (603) 893-1912, (603) 898-1704, (508) 682-7225, (603) 898-1704, (603) 893-1912
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Sherry L Matthes,Justin M Matthes,Raymond J Matthes,Jennifer Matthes,Erin Matthes

Raymond Matthes from Chicago, IL

Age 76 b. Sep 1949 Cook Co.
๐Ÿ“ 6940 W 63rd Pl
๐Ÿ“ž (773) 586-9128, (773) 586-4617

Raymond Matthes from Broomfield, CO

Age 63 b. Jan 1963
๐Ÿ“ 14770 Orchard Pkwy Unit 450
๐Ÿ“ž 6350118

Raymond Matthes from Chicago, IL

Age 60 b. Dec 1965 Cook Co.
๐Ÿ“ 2708 W Washington Blvd
๐Ÿ“ž (312) 824-6262

Raymond Matthes from De Soto, MO

Age 82 b. Oct 1943 Jefferson Co.
๐Ÿ“ 300 S Washington St
๐Ÿ“ž (636) 586-8686

Raymond Matthes from Methuen, MA

Age 47 b. Jun 1978 Essex Co.
๐Ÿ“ 4 Grandview Rd
๐Ÿ“ž (978) 685-1797

Raymond Matthes from Des Plaines, IL

Age 59 b. Apr 1966 Cook Co.
๐Ÿ“ 9463 Bay Colony Dr Unit 3 F
๐Ÿ“ž (847) 824-6262
๐Ÿ‘ค aka Raymond Amatthes

Raymond Matthes from Salem, NH

Age 47 b. Jun 1978 Rockingham Co.
๐Ÿ“ 95 S Policy St
๐Ÿ“ž (603) 898-1704

Raymond Matthes

๐Ÿ“ Apt C, 697 Green Earth Dr, Fenton Mo
๐Ÿ“ž (636) 586-8686
โœ‰๏ธ CAMATTHES@SBCGLOBAL.NET

Raymond Matthes

๐Ÿ“ 697 Green Earth Dr, St Louis County Mo 63026
๐Ÿ“ž (636) 586-8686
โœ‰๏ธ CAMATTHES@SBCGLOBAL.NET

Raymond Matthes from Concord, CA

Age 80 b. 1946 Male
๐Ÿ“ 2520 Ryan Rd
๐Ÿ“ž (925) 683-3242

Raymond Matthes from Albuquerque, NM

Age 92 b. 1934 Bernalillo Co.
๐Ÿ“ 7043 2nd St Nw Unit 62

Raymond Matthes from Oak Lawn, IL

Age 96 b. Jul 1929 Cook Co.
๐Ÿ“ 8800 S Harlem Ave Trlr 2388 C
๐Ÿ‘ค aka Laverne R Matthes

Raymond Matthes from Methuen, MA

0
๐Ÿ“ 155 Lowell St, Methuen, MA 01844

Raymond Matthes from Albuquerque, NM

Bernalillo Co.
๐Ÿ“ 9206 Redmont Rd

Raymond Matthes from Bridgeview, IL

Cook Co.
๐Ÿ“ 8800 S Harlem Ave Trlr 2388

Raymond Matthes from Merrimack, NH

๐Ÿ“ 14 Mason Rd

Raymond Matthes from Methuen, MA

๐Ÿ“ 3 Ferndale Ave

Unknown Person

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 23 contact records for Raymond Matthes across 7 states. The most recent address on file is in Mission Hills, California. Of these records, 15 include phone numbers and 5 include email addresses. The listed age is 57. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Matthes Raymond J

Essex County
· 34 36 Adelaide Ave, Methuen-Town Ma 1844.0
Built: 1978.0
Assessed: $136,400 ยท Sale: $0 (1903/01/01)

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 1 property record linked to Raymond Matthes in Methuen-Town. Values shown are from county assessor records and may differ from current market prices.

Raymond Matthes

Democrat
14770orchard Pkwy Unit 450, Westminster, CO, 80023
DOB: 1963 Gender: Male Ph: 303-635-0118
County: Adams

Raymond C Matthes

County: Jefferson

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for Raymond Matthes in Colorado. Party affiliation is listed as DEM. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2012 TOYOTA COROLLA
ยท Registered to: Raymond Matthes
ยท VIN: 2T1BU4EE9CC826722
·
15170 Brand Blvd, Mission Hills, CA, 91345-1536
·
(818) 361-0513
1997 CHEVROLET K1500 FULL SIZE TRUCK
ยท Registered to: Raymond Matthes
ยท VIN: 1GCEK19RXVE258124
·
95 S Policy St, Salem, NH, 03079
·
(603) 898-1704
1996 HONDA ODYSSEY MINIVAN PASSENGER
ยท Registered to: Raymond Matthes
ยท VIN: JHMRA187XTC009219
·
3032 W 111th Pl, Westminster, CO, 80031
·
(303) 635-0118
2019 SUBARU FORESTER
ยท Registered to: Raymond Matthes
ยท VIN: JF2SKAWC5KH414746
·
14770 Orchard Pkwy Unit 402, Broomfield, CO, 80023
ยท Registered to: Raymond Matthes
ยท VIN: 5HLAB22078F081641
·
95 S Policy St, Salem, NH, 03079
·
(603) 898-1704
2003 BUICK RENDEZVOUS WAGON
ยท Registered to: Raymond Matthes
ยท VIN: 3G5DA03E53S506434
·
7172 Coventry Rd S, East Syracuse, NY, 13057
·
(315) 656-9754

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 6 vehicle registration records are associated with Raymond Matthes. Registered makes include Toyota, Chevrolet, Honda, Subaru and others. The most recent model year on record is 2019. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Raymond Matthes

Chicago, Illinois, United States

Statement CO

Raymond MatthesDatabase Administrator
(719) 240-1558rmatthes@statementcompany.com
3032 W 111th Pl, Westminster, CO80031

Enviro Tech-Environmental

Raymond MatthesRecycling Consultant
(719) 240-1558rmatthes@webtv.net
3032 W 111th Pl, Westminster, CO80031
envirotec.net

General Aircraft Co

Raymond MatthesSales
(805) 983-8500raymond@generalaircraft.com
Oxnard, CA

Enviro Tech-Environmental

Raymond MatthesRecycling Consultant
(719) 240-1558rmatthes@webtv.net
3032 W 111th Pl, Westminster, CO80031

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 7 business affiliations were found for Raymond Matthes. Companies include Statement CO, General Aircraft Co, Enviro Tech-Environmental. Roles listed include Database Administrator and Recycling Consultant. Records are compiled from state business registries, SEC filings, and professional networking databases.

THE MATTHES COMPANY, INC., Dissolved December 28, 2021

Voluntarily Dissolved
Addr: Heber City, UT
Registered Agent: Raymond A Matthes

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

Raymond Matthes

San Fernando Sr High School - San Fernando, CA, CA
1971

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Raymond Matthes 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.

$500 Mar 23, 1988
1988 DEM
Gephardt, Richard A
Matthes, Raymond C De Soto, MO
$500 Mar 23, 1988
DEM
Gephardt, Richard A
Contributor De Soto, MO
$500 Jun 30, 2022
Unknown Committee
Matthes, Raymond Owner @ Matthes Landscaping LLC Salem, NH

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 3 political contribution records found for Raymond Matthes. Total disclosed contributions amount to $1,500. Recipients include Gephardt, Richard A. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Raymond Matthes

Age 54 Male
·
14770 Orchard Pkwy, Broomfield, CO 80023 (Broomfield County)
39.9619, -105.0150
· (303) 594-3043
Marital: Married TZ: Mountain
Edu: Some College
Multi-Family
MP

Raymond H Matthes

Age 64 Male
·
15170 Brand Blvd, Mission Hills, CA 91345 (Los Angeles County)
34.2718, -118.4620
· (818) 361-0513
Marital: Single TZ: Pacific
Homeowner Single Family Built 1940
MP

Raymond Matthes

Age 51 Male
·
2708 W Washington Blvd, Chicago, IL 60612 (Cook County)
41.8830, -87.6946
· (773) 265-1012
Marital: Married TZ: Central
Occ: Service Industry
Homeowner Single Family Built 1995 Purchased 2004
MP

Raymond Matthes

Male
·
319 NE Russet St, Portland, OR 97211 (Multnomah County)
45.5780, -122.6620
TZ: Pacific
Multi-Family
MP

Raymond Matthes

Age 39 Male
·
95 S Policy St, Salem, NH 03079 (Rockingham County)
42.7833, -71.2186
· (603) 898-1704
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1945 Purchased 2007
MP

Raymond C Matthes

Age 73 Male
·
300 S Washington St, De Soto, MO 63020 (Jefferson County)
38.1393, -90.5655
· (636) 586-8686
Marital: Married TZ: Central
Occ: White Collar Edu: High School
Homeowner Single Family Built 1988

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 6 demographic profiles associated with Raymond Matthes. 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 Raymond Matthes. These loans were issued to businesses, not individuals.

Polreefer, INC

Subchapter S Corporation

$5,468 Paid in Full
Address:
9463 Bay Colony Dr Apt. 3n
Des Plaines, IL60016
Approved

May 20, 2020

Forgiven

$5,528

Jobs Reported

1

Loan #

9365727405

Loan Size

Small

Dulguun Tsedev

Sole Proprietorship

$3,956 Paid in Full
Address:
9463 Bay Colony Dr Apt 1S
Des Plaines, IL60016-3601
Approved

Apr 27, 2021

Forgiven

$3,967

Jobs Reported

1

Loan #

2936098906

Loan Size

Small

Revel Bar Group LLC

Limited Liability Company(LLC

$18,100 Exemption 4
Address:
324 S Racine Ave
Chicago, IL60607-2816
Approved

Apr 28, 2021

Jobs Reported

10

Loan #

3454408905

Loan Size

Small

Tegrastaff INC.

Subchapter S Corporation

$92,951 Paid in Full
Address:
3000 Citrus Cir Ste 230
Walnut Creek, CA94598-2665
Approved

Feb 5, 2021

Forgiven

$93,550

Jobs Reported

6

Loan #

3564678405

Loan Size

Small

Weplan, INC. DBA Tax & Financial Services

Subchapter S Corporation

$51,350 Paid in Full
Address:
3000 Citrus Cir Ste 203
Walnut Creek, CA94598
Approved

May 1, 2020

Forgiven

$51,699

Jobs Reported

4

Loan #

3093287707

Loan Size

Small

Glenn Payne

Sole Proprietorship

$20,833 Paid in Full
Address:
300 S Washington St
Oregon, MO64473-9653
Approved

Jan 30, 2021

Forgiven

$20,908

Jobs Reported

1

Loan #

8917408306

Loan Size

Small

Just Tix, INC.

Corporation

$39,000 Paid in Full
Address:
3000 Citrus Cir Ste 215
Walnut Creek, CA94598-2613
Approved

Apr 13, 2020

Forgiven

$39,278

Jobs Reported

2

Loan #

5569537106

Loan Size

Small

Brezack And Associates Planning LLC

Limited Liability Company(LLC

$41,255 Paid in Full
Address:
3000 Citrus Cir Ste 210
Walnut Creek, CA94598-2627
Approved

May 1, 2020

Forgiven

$41,542

Jobs Reported

3

Loan #

8122827303

Loan Size

Small

California Farmers' Markets Associatio

Non-Profit Organization

$147,562 Paid in Full
Address:
3000 Citrus Cir Ste 111
Walnut Creek, CA94598-2625
Approved

May 12, 2020

Forgiven

$140,007

Jobs Reported

21

Loan #

5392697406

Loan Size

Small

Vertice Accounting Solutions, INC

Subchapter S Corporation

$59,971 Paid in Full
Address:
3000 CITRUS CIR ste 101
Walnut Creek, CA94598-2625
Approved

Apr 28, 2020

Forgiven

$60,374

Jobs Reported

4

Loan #

6496337206

Loan Size

Small

Ak Convenience INC

Corporation

$7,000 Paid in Full
Address:
155 Lowell St
Methuen, MA01844
Approved

Apr 27, 2020

Forgiven

$7,053

Jobs Reported

3

Loan #

3526837201

Loan Size

Small

Raymond Matthes

Limited Liability Company(LLC

$78,205 Paid in Full
Address:
95 S Policy St
Salem, NH03079-2936
Approved

Feb 20, 2021

Forgiven

$78,585

Jobs Reported

8

Loan #

2313588501

Loan Size

Small

Michael Valverde Aquino

Sole Proprietorship

$10,000 Paid in Full
Address:
155 Lowell St
Methuen, MA01844-7012
Approved

Feb 7, 2021

Forgiven

$10,071

Jobs Reported

1

Loan #

4934358406

Loan Size

Small

Thomas J Schweickert INC

Subchapter S Corporation

$15,625 Paid in Full
Address:
3000 Citrus Cir Ste 108
Walnut Creek, CA94598
Approved

May 1, 2020

Forgiven

$15,765

Jobs Reported

1

Loan #

2231047710

Loan Size

Small

Glenn Payne

Sole Proprietorship

$20,833 Paid in Full
Address:
300 S Washington St
Oregon, MO64473-9653
Approved

May 7, 2021

Forgiven

$20,898

Jobs Reported

1

Loan #

7340238902

Loan Size

Small

Farm Fresh Cafe, INC.

Corporation

$60,412 Paid in Full
Address:
3000 Citrus Cir Ste 111
Walnut Creek, CA94598-2613
Approved

Jun 1, 2020

Forgiven

$61,372

Jobs Reported

11

Loan #

6298607802

Loan Size

Small

Dulguun Tsedev

Sole Proprietorship

$3,956 Paid in Full
Address:
9463 Bay Colony Dr Apt 1S
Des Plaines, IL60016-3608
Approved

Apr 6, 2021

Forgiven

$3,968

Jobs Reported

1

Loan #

7294408707

Loan Size

Small

Polreefer INC.

Subchapter S Corporation

$6,250 Paid in Full
Address:
9463 Bay Colony Dr Apt 3N
Des Plaines, IL60016-3608
Approved

Feb 8, 2021

Forgiven

$6,278

Jobs Reported

1

Loan #

5470358401

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 18 PPP loan records are linked to businesses associated with Raymond Matthes. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Raymond Matthes on the map

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Raymond Matthes in Mission Hills, CA: Background Summary

Location
15170 Brand Blvd, Mission Hills, CA 91345
Other Locations
Chicago, IL ยท Broomfield, CO ยท De Soto, MO and 8 more
Profiles Found
23 people with this name
Phone Numbers
(636) 586-8686 and 17 others on file
Email
camatthes@sbcglobal.net and 3 others on file
Possible Relatives
Carole A Matthes, Charlottem M Matthes, David A Vandaveer SR, Dianna Fay Mace, Edwin Matthes and 97 more
Career
Database Administrator, Recycling Consultant at Statement CO, General Aircraft Co
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
6 linked โ€” 2012 Toyota Corolla, 1997 Chevrolet K1500 and 4 more
Contributions
$1,500 total โ€” Gephardt, Richard A
PPP Loans
$724K for Polreefer, INC, Dulguun Tsedev

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 Raymond Matthes. Because public records are indexed by name rather than by a unique identifier, the 82 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.

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 Raymond Matthes

Search Complexity: High

82 public records across 9states, belonging to approximately 23 different individuals. With 23 distinct profiles across 9 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 9 states. Highest concentration: Colorado (13%), followed by Illinois and Massachusetts. Spans the West and Midwest regions.

CO11recordsIL10recordsMA9recordsCA8recordsMO5recordsNH5records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (47%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (20) and Business & Corporate Filings (7).

35
Contact & Address Records
20
PPP Loan Records
7
Business & Corporate Filings
6
Vehicle Registration Records
3
Political Contribution Records
2
Voter Registration Records

Age Distribution

Age range: approximately 49 years, suggesting multiple generations. Largest group: Senior (65+) (50%).

Senior (65+)5peopleMiddle-Age (40-64)5people

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

Frequently Asked Questions About Raymond Matthes

Is Raymond Matthes a registered voter?
Yes, voter registration records show Raymond Matthes is registered in Colorado with DEM affiliation. 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.
Does Raymond Matthes own property?
County assessor records show 1 property associated with Raymond Matthes . 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 Raymond Matthes?
Records show 6 vehicle registrations associated with Raymond Matthes, including a 2012 TOYOTA COROLLA. Registered makes include Toyota, Chevrolet, Honda, Subaru. 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 Raymond Matthes?
We found 7 business affiliations for Raymond Matthes. Other companies include General Aircraft Co, Enviro Tech-Environmental. Business records are compiled from state registries, SEC filings, and professional databases.
Has Raymond Matthes made political donations?
FEC disclosure records show 3 reported political contributions from Raymond Matthes, totaling $1,500. Recipients include Gephardt, Richard A. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Raymond Matthes?
Our database contains 82 total records for Raymond Matthes spanning 9 states. This includes 23 distinct contact records, 15 with phone numbers, 5 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 Raymond Matthes?
The 82 records displayed for Raymond Matthes 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 Raymond Matthes 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.