Ricardo Manuel Luces from Miami, FL

Age 53
๐Ÿ“ 900 Biscayne Blvd, Miami, FL 33132
โœ‰๏ธ lucesfer@gmail.com

Ricardo Luces from Miramar, FL

Age 57 b. Jan 1969 Broward Co.
๐Ÿ“ 15251 Sw 46th Ct
๐Ÿ“ž (954) 431-0057

Ricardo Luces from Miami, FL

Age 57 b. 1969 Male
๐Ÿ“ 350 S Miami Ave
๐Ÿ“ž (954) 907-5509

Ricardo Luces from Miami, FL

Age 57 b. 1969 Male
๐Ÿ“ 900 Biscayne Blvd Apt 3410

Ricardo Luces from Liverpool, NY

Onondaga Co.
๐Ÿ“ 102 Kings Park Dr H

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 6 contact records for Ricardo Luces across 2 states. The most recent address on file is in Miami, Florida. Of these records, 3 include phone numbers and 2 include email addresses. The listed age is 53. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

2006 AUDI A6
ยท Registered to: Ricardo Luces
ยท VIN: WAUAH74F96N181788
·
350 S Miami Ave Apt 503, Miami, FL, 33130
·
(954) 437-3504
2003 ACURA TL
ยท Registered to: Ricardo Luces
ยท VIN: 19UUA56803A073166
·
13735 SW 27th St, Miramar, FL, 33027-3963
·
330273963
2012 Audi A7
ยท Registered to: Ricardo Luces
ยท VIN: WAUYGAFCXCN158811
·
350 S Miami Ave Apt 503, Miami, FL, 33130-1915
·
(954) 907-5509

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with Ricardo Luces. Registered makes include Audi, Acura. 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.

Ricardo Luces

Presidente
Luces Comunicaci??n Integral C.a
Miami, Florida, United States Public Relations And Communications

Ricardo Luces

Presidente
Luces Comunicaci??n Integral C.a
Florida

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 2 business affiliations were found for Ricardo Luces. Companies include Luces Comunicaci??n Integral C.a. Records are compiled from state business registries, SEC filings, and professional networking databases.

$10 Oct 13, 2020
2020 REP
Scott, Timothy E
Luces, Ricardo Lawyer @ Law Firm Miami, FL
$50 Oct 2, 2020
2020 REP
Trump, Donald J
Luces, Ricardo Lawyer @ Law Firm Miami, FL
$50 Oct 3, 2020
2020 REP
Trump, Donald J
Luces, Ricardo Lawyer @ Law Firm Miami, FL
$10 Oct 15, 2020
2020 REP
Scott, Timothy E
Luces, Ricardo Lawyer @ Law Firm Miami, FL
$50 Oct 2, 2020
REP
Trump, Donald J
Contributor Lawyer @ Law Firm Miami, FL
$50 Oct 2, 2020
Unknown Committee
Luces, Ricardo Lawyer @ Law Firm Miami, FL

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 6 political contribution records found for Ricardo Luces. Total disclosed contributions amount to $220. Recipients include Trump, Donald J. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Ricardo M Luces

Age 48 Male
·
900 Biscayne Blvd, Miami, FL 33132 (Miami-Dade County)
25.7832, -80.1897
Marital: Married TZ: Eastern
Homeowner Multi-Family Built 2008 Purchased 2010

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 1 demographic profile associated with Ricardo Luces. 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 Ricardo Luces. These loans were issued to businesses, not individuals.

Girl Power Investments

Limited Liability Company(LLC

$1,900 Paid in Full
Address:
350 S Miami Ave Ste A
Miami, FL33130
Approved

May 11, 2020

Forgiven

$1,918

Jobs Reported

1

Loan #

4755707402

Loan Size

Small

Krn8503 LLC

Self-Employed Individuals

$3,028 Paid in Full
Address:
350 S Miami Ave APT 313 APT 313
Miami, FL33130-1907
Approved

Jul 15, 2020

Forgiven

$3,044

Jobs Reported

1

Loan #

3721378109

Loan Size

Small

Julia Gil

Independent Contractors

$12,333 Paid in Full
Address:
900 Biscayne Blvd Apt 5502
Miami, FL33132-1576
Approved

May 1, 2021

Forgiven

$12,405

Jobs Reported

1

Loan #

6085868900

Loan Size

Small

Nicole Del Valle

Sole Proprietorship

$10,964 Paid in Full
Address:
350 S Miami Ave Apt 2803
Miami, FL33130-1929
Approved

Apr 16, 2021

Forgiven

$11,019

Jobs Reported

1

Loan #

4556508808

Loan Size

Small

Michael Jenkins

Sole Proprietorship

$18,072 Paid in Full
Address:
350 S Miami Ave Apt 2808
Miami, FL33130-1929
Approved

Feb 19, 2021

Forgiven

$18,199

Jobs Reported

1

Loan #

1680168501

Loan Size

Small

Katty Cantalamessa

Self-Employed Individuals

$5,754 Paid in Full
Address:
350 S Miami Ave
Miami, FL33130-1909
Approved

May 22, 2021

Forgiven

$5,784

Jobs Reported

1

Loan #

5972689010

Loan Size

Small

Nicholas Kaufman PA

Corporation

$12,500 Paid in Full
Address:
900 Biscayne Blvd Apt 4206
Miami, FL33132-1571
Approved

Feb 11, 2021

Forgiven

$12,585

Jobs Reported

1

Loan #

6822938408

Loan Size

Small

Moreno Barbera Consulting LLC

Limited Liability Company(LLC

$4,165 Paid in Full
Address:
900 Biscayne Blvd Apt 5305
Miami, FL33132
Approved

Jul 14, 2020

Forgiven

$4,194

Jobs Reported

1

Loan #

3476488102

Loan Size

Small

Caq International LLC

Limited Liability Company(LLC

$20,358 Paid in Full
Address:
900 Biscayne Blvd Apt 4906
Miami, FL33132-1574
Approved

Mar 28, 2021

Forgiven

$20,520

Jobs Reported

1

Loan #

2108058703

Loan Size

Small

Laser Surgical Of Florida INC

Corporation

$85,546 Paid in Full
Address:
900 Biscayne Blvd Apt 2001
Miami, FL33132-1563
Approved

Mar 5, 2021

Forgiven

$85,976

Jobs Reported

9

Loan #

7118058503

Loan Size

Small

Athistle LLC

Self-Employed Individuals

$9,459 Paid in Full
Address:
350 S Miami Ave 313
Miami, FL33130-1907
Approved

May 26, 2020

Forgiven

$9,588

Jobs Reported

1

Loan #

3636227806

Loan Size

Small

Genius Plaza INC

Corporation

$952,720 Exemption 4
Address:
900 Biscayne Blvd Apt 401
Miami, FL33132-1560
Approved

Feb 9, 2021

Jobs Reported

42

Loan #

5938348405

Loan Size

Medium

Anna Galica

Independent Contractors

$15,667 Paid in Full
Address:
900 Biscayne Blvd Apt 5005
Miami, FL33132-1575
Approved

Apr 6, 2021

Forgiven

$15,757

Jobs Reported

1

Loan #

7346108703

Loan Size

Small

Ruben De Abreu

Self-Employed Individuals

$3,905 Paid in Full
Address:
350 S Miami Ave
Miami, FL33130-1909
Approved

Apr 16, 2021

Forgiven

$3,951

Jobs Reported

1

Loan #

4338348810

Loan Size

Small

Leadecom LLC

Limited Liability Company(LLC

$75,537 Paid in Full
Address:
900 Biscayne Blvd Apt 5012
Miami, FL33132-1575
Approved

Feb 16, 2021

Forgiven

$75,983

Jobs Reported

9

Loan #

9212888402

Loan Size

Small

Jose Martin

Sole Proprietorship

$1,510 Paid in Full
Address:
350 S Miami Ave Apt 1804
Miami, FL33130-1922
Approved

May 1, 2021

Forgiven

$1,517

Jobs Reported

1

Loan #

6376378906

Loan Size

Small

Argueta Consulting Group LLC

Corporation

$20,832 Paid in Full
Address:
350 S Miami Ave Apt 3502
Miami, FL33130-1935
Approved

Feb 17, 2021

Forgiven

$20,916

Jobs Reported

1

Loan #

9505638401

Loan Size

Small

Julia Gil

Sole Proprietorship

$12,333 Paid in Full
Address:
900 Biscayne Blvd Apt 5502
Miami, FL33132-1576
Approved

May 11, 2021

Forgiven

$12,401

Jobs Reported

1

Loan #

8610688903

Loan Size

Small

Inversiones Los Cuatro, LLC

Limited Liability Company(LLC

$114,602 Paid in Full
Address:
350 S Miami Ave Ste A
Miami, FL33130
Approved

May 3, 2020

Forgiven

$116,134

Jobs Reported

2

Loan #

1016767401

Loan Size

Small

Melon Gosha LLC

Limited Liability Company(LLC

$13,273 Paid in Full
Address:
900 Biscayne Blvd Apt 5410
Miami, FL33132-1576
Approved

Jan 23, 2021

Forgiven

$13,398

Jobs Reported

2

Loan #

4567918307

Loan Size

Small

Amanda Zeil

Limited Liability Company(LLC

$12,852 Paid in Full
Address:
350 S Miami Ave Apt 3502
Miami, FL33130-1935
Approved

May 28, 2021

Forgiven

$12,897

Jobs Reported

1

Loan #

8731069004

Loan Size

Small

Consultants First LLC

Limited Liability Company(LLC

$2,745 Paid in Full
Address:
350 S Miami Ave Ste C
Miami, FL33130-1907
Approved

Jun 9, 2020

Forgiven

$2,787

Jobs Reported

1

Loan #

9852737808

Loan Size

Small

Ana Plaza

Independent Contractors

$20,533 Paid in Full
Address:
350 S Miami Ave
Miami, FL33130-1909
Approved

Apr 12, 2021

Forgiven

$20,616

Jobs Reported

1

Loan #

2380858804

Loan Size

Small

Ruben De Abreu

Self-Employed Individuals

$3,905 Paid in Full
Address:
350 S Miami Ave
Miami, FL33130-1909
Approved

Mar 18, 2021

Forgiven

$3,957

Jobs Reported

1

Loan #

4243338608

Loan Size

Small

Lmcb Holdings LLC

Limited Liability Company(LLC

$49,885 Paid in Full
Address:
350 S Miami Ave Ph 1-05
Miami, FL33130-1938
Approved

Feb 18, 2021

Forgiven

$50,177

Jobs Reported

4

Loan #

1072918508

Loan Size

Small

Betzabe Josuany Alvarez Lozano

Sole Proprietorship

$20,133 Paid in Full
Address:
350 S Miami Ave
Miami, FL33130-1909
Approved

Apr 7, 2021

Forgiven

$20,216

Jobs Reported

1

Loan #

8315258704

Loan Size

Small

Adrian Douzmanian

Sole Proprietorship

$2,699 Paid in Full
Address:
900 Biscayne Blvd Apt 2205
Miami, FL33132-1564
Approved

Feb 20, 2021

Forgiven

$2,715

Jobs Reported

1

Loan #

2301078504

Loan Size

Small

George Saenz Cpa PA

Corporation

$16,250 Paid in Full
Address:
900 Biscayne Blvd Apt 1712
Miami, FL33132-1563
Approved

Mar 20, 2021

Forgiven

$16,328

Jobs Reported

2

Loan #

5536468610

Loan Size

Small

Aurapuncture

Sole Proprietorship

$18,000 Paid in Full
Address:
900 Biscayne Blvd Apt 2010
Miami, FL33132-1563
Approved

Feb 6, 2021

Forgiven

$18,155

Jobs Reported

1

Loan #

4551998402

Loan Size

Small

Soutec Us LLC

Limited Liability Company(LLC

$46,420 Paid in Full
Address:
900 Biscayne Blvd Apt 501
Miami, FL33132-1582
Approved

Feb 10, 2021

Forgiven

$46,713

Jobs Reported

4

Loan #

6676158400

Loan Size

Small

Carolina Toledo Event Production Company LLC

Sole Proprietorship

$6,587 Paid in Full
Address:
900 Biscayne Blvd Apt 3102
Miami, FL33132-1567
Approved

May 7, 2020

Forgiven

$6,642

Jobs Reported

1

Loan #

3710957409

Loan Size

Small

Moreno Barbera Consulting LLC

Limited Liability Company(LLC

$4,165 Paid in Full
Address:
900 Biscayne Blvd Apt 5305
Miami, FL33132-1576
Approved

Feb 7, 2021

Forgiven

$4,195

Jobs Reported

1

Loan #

5083998405

Loan Size

Small

Haidee Abril

Sole Proprietorship

$4,991 Paid in Full
Address:
350 S Miami Ave
Miami, FL33130-1909
Approved

Mar 30, 2021

Forgiven

$5,009

Jobs Reported

1

Loan #

3072488705

Loan Size

Small

Alexander Blower

Independent Contractors

$10,814 Paid in Full
Address:
350 S Miami Ave
Miami, FL33130-1909
Approved

Mar 30, 2021

Forgiven

$10,856

Jobs Reported

1

Loan #

3069208701

Loan Size

Small

Yldefonzo Gil

Sole Proprietorship

$3,541 Paid in Full
Address:
900 Biscayne Blvd Apt 5502
Miami, FL33132-1576
Approved

Apr 30, 2021

Forgiven

$3,554

Jobs Reported

1

Loan #

5451658903

Loan Size

Small

Smartdelis 1 LLC

Limited Liability Company(LLC

$17,410 Paid in Full
Address:
350 S Miami Ave APT 3803
Miami, FL33130
Approved

Apr 28, 2020

Forgiven

$17,555

Jobs Reported

5

Loan #

1757377301

Loan Size

Small

Construction Solutions Management CORP

Corporation

$21,432 Paid in Full
Address:
900 Biscayne Blvd Apt 1705
Miami, FL33132-1563
Approved

Mar 27, 2021

Forgiven

$21,568

Jobs Reported

4

Loan #

1624708710

Loan Size

Small

Conceited Entertainment INC

Corporation

$75,000 Paid in Full
Address:
350 S Miami Ave
Miami, FL33130-1909
Approved

Jul 6, 2020

Forgiven

$20,904

Jobs Reported

1

Loan #

8979528008

Loan Size

Small

Michael Jenkins

Sole Proprietorship

$20,832 Paid in Full
Address:
350 S Miami Ave Apt 2806
Miami, FL33130-1929
Approved

Mar 31, 2021

Forgiven

$20,934

Jobs Reported

1

Loan #

3426828709

Loan Size

Small

Ana Plaza

Independent Contractors

$20,533 Paid in Full
Address:
350 S Miami Ave
Miami, FL33130-1909
Approved

May 22, 2021

Forgiven

$20,589

Jobs Reported

1

Loan #

6357119006

Loan Size

Small

J A Triptivo LLC

Corporation

$20,625 Paid in Full
Address:
350 S Miami Ave Apt 3512
Miami, FL33130
Approved

May 1, 2020

Forgiven

$20,867

Jobs Reported

1

Loan #

2804067703

Loan Size

Small

Anna Karan, P.a.

Subchapter S Corporation

$7,437 Paid in Full
Address:
900 Biscayne Blvd Apt 2709
Miami, FL33132
Approved

May 1, 2020

Forgiven

$7,514

Jobs Reported

1

Loan #

2557657705

Loan Size

Small

Lianne Saavedra Vinas

Sole Proprietorship

$10,291 Paid in Full
Address:
350 S Miami Ave
Miami, FL33130-1909
Approved

May 20, 2021

Forgiven

$10,314

Jobs Reported

1

Loan #

4861349005

Loan Size

Small

Isds Sales And Consulting LLC

Limited Liability Company(LLC

$6,250 Paid in Full
Address:
350 S Miami Ave Apt 1101
Miami, FL33130-1916
Approved

Mar 5, 2021

Forgiven

$6,293

Jobs Reported

1

Loan #

7180608503

Loan Size

Small

Carol Mella

Self-Employed Individuals

$12,545 Paid in Full
Address:
350 S Miami Ave
Miami, FL33130-1909
Approved

Mar 17, 2021

Forgiven

$12,631

Jobs Reported

1

Loan #

3592028602

Loan Size

Small

Booming Code LLC

Limited Liability Company(LLC

$9,387 Paid in Full
Address:
350 S Miami Ave Apt 2310
Miami, FL33130-1907
Approved

Jun 18, 2020

Forgiven

$9,487

Jobs Reported

1

Loan #

8106977901

Loan Size

Small

Colin Feuling PA

Professional Association

$20,832 Paid in Full
Address:
900 Biscayne Blvd Apt 2606
Miami, FL33132-1565
Approved

May 1, 2020

Forgiven

$21,073

Jobs Reported

1

Loan #

6217607703

Loan Size

Small

Nicholas Kaufman PA

Corporation

$12,500 Paid in Full
Address:
900 Biscayne Blvd apt 4206
Miami, FL33132
Approved

May 1, 2020

Forgiven

$12,626

Jobs Reported

1

Loan #

4323617700

Loan Size

Small

Genius Plaza INC

Corporation

$952,720 Paid in Full
Address:
900 Biscayne Blvd Apt 401
Miami, FL33132
Approved

May 1, 2020

Forgiven

$960,107

Jobs Reported

70

Loan #

6096387701

Loan Size

Medium

Craig Fetherston

Sole Proprietorship

$21,000 Paid in Full
Address:
900 Biscayne Blvd Apt 5601
Miami, FL33132-1577
Approved

May 6, 2020

Forgiven

$21,242

Jobs Reported

1

Loan #

2867467408

Loan Size

Small

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

Find Ricardo Luces on the map

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11
1

Ricardo Luces in FL: Background Summary

Location
900 Biscayne Blvd, APT 3410 Miami, FL 33132-1568
Other Locations
Miami, FL ยท Miramar, FL ยท Liverpool, NY
Profiles Found
6 people with this name
Phone Numbers
(954) 907-5509 and 3 others on file
Email
rluces@mediaone.net and 5 others on file
Possible Relatives
Maria Erundina Maldonado, Claudia A Luces, Rafael Luces SR, Rafael J Luces JR, Renier J Luces and 40 more
Career
Luces Comunicaci??n Integral C.a
Vehicles
3 linked โ€” 2006 Audi A6, 2003 Acura TL and 1 more
Contributions
$220 total โ€” Trump, Donald J
PPP Loans
$2847K for Girl Power Investments, Krn8503 LLC

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 Ricardo Luces. Because public records are indexed by name rather than by a unique identifier, the 68 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 Ricardo Luces

Search Complexity: Moderate

68 public records across 2states, belonging to approximately 6 different individuals. There are 6 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 concentrated across 2 states. Highest concentration: Florida (16%), followed by New York. Spans the South and Northeast regions.

FL11recordsNY1record

Record Type Breakdown

Data spans 5 record categories. Largest: PPP Loan Records (75%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (6) and Political Contribution Records (6).

50
PPP Loan Records
6
Contact & Address Records
6
Political Contribution Records
3
Vehicle Registration Records
2
Business & Corporate Filings

Frequently Asked Questions About Ricardo Luces

What vehicles are registered to Ricardo Luces?
Records show 3 vehicle registrations associated with Ricardo Luces, including a 2006 AUDI A6. Registered makes include Audi, Acura. 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 Ricardo Luces?
We found 2 business affiliations for Ricardo Luces, including luces comunicaci??n integral c.a. Business records are compiled from state registries, SEC filings, and professional databases.
Has Ricardo Luces made political donations?
FEC disclosure records show 6 reported political contributions from Ricardo Luces, totaling $220. Recipients include Trump, Donald J. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Ricardo Luces?
Our database contains 68 total records for Ricardo Luces spanning 2 states. This includes 6 distinct contact records, 3 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 Ricardo Luces?
The 68 records displayed for Ricardo Luces 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 Ricardo Luces 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.