Richard Fail from Mesa, AZ

Age 85 b. Jun 1940 Maricopa Co.
๐Ÿ“ 8540 E Mcdowell Rd Unit 133
๐Ÿ“ž (480) 380-6554, (480) 380-6557

Richard Fail from Goldsboro, NC

Age 81
๐Ÿ“ Old Smithfield Rd, Goldsboro, NC 27530
๐Ÿ“ž (919) 735-8177, (919) 735-8177
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Edith Patterson Fail,Needham Earl Fail,Beatrice R Fail

Richard Fail from Lauderdale, MS

Age 47
๐Ÿ“ 1078 Hickory Grove Rd, Lauderdale, MS 39335
๐Ÿ“ž (601) 679-0074, (601) 679-8217, (757) 489-1978, (601) 679-0074, (601) 679-8203, (601) 679-8217, (334) 277-0713
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Emma Elijah Elijah,Wendy Marie Davis,Wendy M Fail

Richard Fail

๐Ÿ“ 8545 Folsom, Sacramento Ca 95826
๐Ÿ“ž (916) 718-6496, (916) 529-6163
โœ‰๏ธ JUMPFROG56@GMAIL.COM

Richard Fail

๐Ÿ“ # 21, 8545 Folsom Blvd Spc 21, Sacramento Ca
๐Ÿ“ž (916) 718-6496, (916) 529-6163
โœ‰๏ธ JUMPFROG56@GMAIL.COM

Richard Fail

๐Ÿ“ 8540 E Mcdowell Rd Unit 133, Mesa Az
๐Ÿ“ž (480) 380-6554, (480) 380-6557
โœ‰๏ธ RFFAIL@GMAIL.COM

Richard Fail

๐Ÿ“ 8540 Mcdowell, Mesa Az 85207
๐Ÿ“ž (480) 380-6554, (480) 380-6557
โœ‰๏ธ RFFAIL@GMAIL.COM

Richard Fail from Neptune Beach, FL

Age 75 b. Jun 1950 Duval Co.
๐Ÿ“ 1327 Trailwood Dr
๐Ÿ“ž (904) 249-9325

Richard Fail from Millington, TN

Age 59 b. Dec 1966
๐Ÿ“ 5868 Osprey Dr
๐Ÿ“ž (901) 872-7918
๐Ÿ‘ค aka Richard W Fail, Richard Fall, R Fail

Richard Fail from Goldsboro, NC

Age 93 b. Dec 1932 Wayne Co.
๐Ÿ“ 2076 Old Smithfield Rd
๐Ÿ“ž (919) 735-8177

Richard Fail from Rancho Cordova, CA

Male
๐Ÿ“ 2653 Aramon Dr
๐Ÿ“ž (916) 268-0532 (Cell)

Richard Fail from Auburndale, FL

Age 44 b. May 1981 Polk Co.
๐Ÿ“ 1515 Berkley Rd

Richard Fail from Punta Gorda, FL

Age 65 b. Nov 1960 Charlotte Co.
๐Ÿ“ 11107 Palmerston Ave

Richard Fail from Lewis Center, OH

Age 64 b. Mar 1961 Delaware Co.
๐Ÿ“ 8160 Oak Village Blvd

Richard Fail from Columbus, GA

Muscogee Co.
๐Ÿ“ 304 S Lumpkin Rd Apt Noe 5
๐Ÿ“ž (706) 687-5710

Richard Fail

๐Ÿ“ 6889 Lexington Dr, West Jordan Ut
๐Ÿ“ž (801) 565-3672, (801) 565-3672

Richard Fail from Payson, UT

Utah Co.
๐Ÿ“ 225 E Ama Fille Ln

Richard Fail from Mesa, AZ

Maricopa Co.
๐Ÿ“ 7125 E Superstition Springs Bl

Richard Fail from Denham Spgs, LA

Livingston Co.
๐Ÿ“ 21083 Vincent Acres Cir

Richard Fail from Ceiba, PR

Ceiba Co.
๐Ÿ“ 735 17 Yorktown Crk

Unknown Person

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 21 contact records for Richard Fail across 11 states. The most recent address on file is in Mesa, Arizona. Of these records, 13 include phone numbers and 4 include email addresses. Ages range from 47 to 81, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Fail Richard A

Polk County
PIN: 252835354960015210
· 357 Holly Ridge Rd, Winter Haven 33880
Value: $51,772

Fail Richard

Leon County
PIN: 2127430001380
· 2020 Continental Ave Apt 138, Tallahassee
Built: 1967.0
Assessed: $26,980

Fail Richard A

Polk County
· 357 Holly Ridge Rd, Winter-Haven-Auburndale 33880.0
Built: 1984.0
Assessed: $90,529

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 3 property records linked to Richard Fail in Winter-Haven-Auburndale. Values shown are from county assessor records and may differ from current market prices.

Richard L Fail

1327 Trailwood Dr, Neptune Beach, , 32266

richard WILLIAM fail

Republican Reg: 12/07/2017
15803 Cordelia Oaks Ln, Huntersville, NC, 28078
DOB: 1958 Gender: Male
County: Mecklenburg

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

2007 Chevrolet Tahoe
ยท Registered to: Richard Fail
ยท VIN: 1GNFC13097R253320
·
357 Holly Ridge Rd, Winter Haven, FL, 33880-1114
·
(863) 299-9704
2010 TOYOTA CAMRY
ยท Registered to: Richard Fail
ยท VIN: 4T1BK3EK3AU600550
·
1341 W Mockingbird Ln, Dallas, TX, 75247-6913
·
(904) 270-0852
2005 Chevrolet Suburban
ยท Registered to: Richard Fail
ยท VIN: 3GNFK16Z25G215454
·
1341 W Mockingbird Ln, Dallas, TX, 75247
·
(904) 270-0852
1997 SUZUKI SIDEKICK MINI SPORT UTILITY
ยท Registered to: Richard Fail
ยท VIN: 2S3TA02C7V6408397
·
2727 Courtney Pl, Lewis Center, OH, 43035
·
(740) 549-1049
2011 FORD TAURUS
ยท Registered to: Richard Fail
ยท VIN: 1FAHP2DW8BG107631
·
1327 Trailwood Dr, Neptune Beach, FL, 32266-1561
2001 Honda Cr-V
ยท Registered to: Richard Fail
ยท VIN: JHLRD18681C034958
·
2727 Courtney Pl, Lewis Center, OH, 43035
·
(740) 549-1049
2001 CHEVROLET SILVERADO PICKUP
ยท Registered to: Richard Fail
ยท VIN: 2GCEC19T911248107
·
2076 Old Smithfield Rd, Goldsboro, NC, 27530
·
(919) 735-8177
2010 HONDA PILOT WAGON
ยท Registered to: Richard Fail
ยท VIN: 5FNYF4H54AB034924
·
2727 Courtney Pl, Lewis Center, OH, 43035
·
(740) 549-1049
1990
ยท Registered to: Richard Fail
ยท VIN: NOVIN000083814690
·
325 8th St, Atlantic Beach, FL, 32233
2000 TOYOTA CAMRY 4DR SEDAN
ยท Registered to: Richard Fail
ยท VIN: 4T1BG22K7YU004089
·
2076 Old Smithfield Rd, Goldsboro, NC, 27530
·
(919) 735-8177

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 10 vehicle registration records are associated with Richard Fail. Registered makes include Chevrolet, Toyota, Suzuki, Ford and others. 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.

Siplast Inc

Manager
(904) 296-1999
Jacksonville, FL
Mobile Home Dealers, Garden Supply, Building Materials and Hardware (Construction)

Richard Fail

Entrepreneur
Own Businees
Jersey Marketing And Advertising

Richard Fail

Richard Fail

Greater Salt Lake City Area

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 6 business affiliations were found for Richard Fail. Companies include Siplast Inc, Own Businees. Records are compiled from state business registries, SEC filings, and professional networking databases.

richard ALLEN fail

Age 44
Freshwater Fishing - 1 year
Addr: 357 Holly Ridge Rd, Winter Haven, FL 33880
County: Polk

richard ALLEN fail

Freshwater Fishing - 1 year
Addr: Winter Haven, FL 33880
County: Polk

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Richard Fail holds 2 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Richard Fail

Jefferson Davis High School - Montgomery, AL, AL
1990

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Richard Fail 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.

$5,000 Aug 11, 2014
2014 REP
Prosperity Action INC.
Fail, Richard Ceo @ Royal Caribbean Cruises LTD Coral Gables, FL
$1,000 Jan 21, 2016
2016
National Roofing Contractors Association Roof Pac
Fail, Richard Director Of Marketing @ Siplast, INC Neptune Beach, FL
$5,000 Aug 11, 2014
REP
Prosperity Action INC.
Contributor Ceo @ Royal Caribbean Cruises LTD Coral Gables, FL
$1,000 Jan 21, 2016
Unknown Committee
Fail, Richard Director Of Marketing @ Siplast, INC. Neptune Beach, FL

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 4 political contribution records found for Richard Fail. Total disclosed contributions amount to $12,000. Recipients include Prosperity Action INC.. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Richard A Fail

Age 56 Male
·
2727 Courtney Pl, Lewis Center, OH 43035 (Delaware County)
40.1750, -82.9815
· (614) 314-0878
Marital: Married TZ: Eastern
Occ: Healthcare Edu: Graduate School
Homeowner Single Family Built 1999 Purchased 1999
MP

Richard L Fail

Age 90 Male
·
1327 Trailwood Dr, Neptune Beach, FL 32266 (Duval County)
30.3120, -81.4188
· (904) 249-9325
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 2002 Purchased 2013
MP

Richard Fail

Age 67 Male
·
3439 Larkspur Ln, Ogden, UT 84404 (Weber County)
41.3163, -112.0620
· (801) 561-6712
Marital: Married TZ: Mountain
Edu: High School
Single Family
MP

Richard H Fail

Age 84 Male
·
2076 Old Smithfield Rd, Goldsboro, NC 27530 (Wayne County)
35.3901, -78.0841
· (919) 735-8177
Marital: Married TZ: Eastern
Homeowner Single Family Built 1985
MP

Richard Fail

Male
·
8116 N Mayfield Ln, Mechanicsvlle, VA 23111 (Hanover County)
37.6271, -77.3813
TZ: Eastern
Homeowner Single Family Built 1970 Purchased 2014
MP

Richard F Fail

Age 77 Male
·
8540 E McDowell Rd, Mesa, AZ 85207 (Maricopa County)
33.4662, -111.6450
· (480) 380-6554
Marital: Married TZ: Mountain
Homeowner Multi-Family Built 1996 Purchased 2007
MP

Richard Fail

Male
·
1010 8th St S, Jax Bch, FL 32250 (Duval County)
30.2974, -81.4000
TZ: Eastern
Homeowner Single Family Built 1977 Purchased 2006
MP

Richard A Fail

Age 36 Male
·
357 Holly Ridge Rd, Winter Haven, FL 33880 (Polk County)
28.0067, -81.7800
Marital: Married TZ: Eastern
Homeowner Single Family Built 1984 Purchased 2000

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

Deborah Smith

$9,418 Paid in Full
Address:
1078 Hickory Grove Rd
Approved

May 5, 2021

Forgiven

$9,524

Loan #

7093788905

Loan Size

Small

Msm Security Services, LLC

Limited Liability Company(LLC

$96,757 Paid in Full
Address:
8401 CONNECTICUT AVE Ste 700
Chevy Chase, MD20815-5831
Approved

Apr 30, 2020

Forgiven

$97,409

Jobs Reported

4

Loan #

7100267306

Loan Size

Small

McW Holdings INC.

Corporation

$39,600 Paid in Full
Address:
8401 Connecticut Ave Ste 300
Chevy Chase, MD20815-5842
Approved

Jan 25, 2021

Forgiven

$39,870

Jobs Reported

4

Loan #

5217548308

Loan Size

Small

Vaughn And Rafferty LLC

Limited Liability Company(LLC

$28,422 Paid in Full
Address:
8401 Connecticut Ave Ste 106
Chevy Chase, MD20815-5803
Approved

Feb 22, 2021

Forgiven

$28,609

Jobs Reported

3

Loan #

2927068503

Loan Size

Small

Chevy Chase Pediatric Dentistry LLC

Limited Liability Company(LLC

$18,714 Paid in Full
Address:
8401 Connecticut Ave Ste 650
Chevy Chase, MD20815-5839
Approved

May 1, 2020

Forgiven

$18,946

Jobs Reported

2

Loan #

5129437706

Loan Size

Small

Chevy Chase Historical Society

Non-Profit Organization

$10,890 Paid in Full
Address:
8401 Connecticut Ave Ste 1010
Chevy Chase, MD20815-5844
Approved

Feb 19, 2021

Forgiven

$10,948

Jobs Reported

1

Loan #

2036478504

Loan Size

Small

Artstream, INC.

Non-Profit Organization

$61,100 Paid in Full
Address:
8401 Connecticut Ave Ste 1230
Chevy Chase, MD20815-5800
Approved

Apr 7, 2020

Forgiven

$61,497

Jobs Reported

5

Loan #

6835247002

Loan Size

Small

Cylogic INC.

Corporation

$41,667 Paid in Full
Address:
8401 Connecticut Ave Ste 1260
Chevy Chase, MD20815-5821
Approved

May 1, 2020

Forgiven

$42,008

Jobs Reported

2

Loan #

5009757703

Loan Size

Small

Cylogic INC.

Corporation

$101,665 Paid in Full
Address:
8401 Connecticut Ave Ste 1260
Chevy Chase, MD20815-5821
Approved

Feb 14, 2021

Forgiven

$102,194

Jobs Reported

5

Loan #

8877788407

Loan Size

Small

Angela Lotsikas, Md

Sole Proprietorship

$82,000 Paid in Full
Address:
8401 Connecticut Ave Ste 210
Chevy Chase, MD20815-5837
Approved

May 1, 2020

Forgiven

$21,059

Jobs Reported

1

Loan #

6123467708

Loan Size

Small

Chevy Chase Pediatric Dentistry LLC

Limited Liability Company(LLC

$39,187 Paid in Full
Address:
8401 Connecticut Ave Ste 650
Chevy Chase, MD20815-5839
Approved

Mar 30, 2021

Forgiven

$39,562

Jobs Reported

7

Loan #

2685208700

Loan Size

Small

McW Holdings

Corporation

$397,810 Paid in Full
Address:
8401 Connecticut Ave Ste 300
Chevy Chase, MD20815-5842
Approved

Jan 23, 2021

Forgiven

$402,093

Jobs Reported

24

Loan #

4716528302

Loan Size

Medium

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 12 PPP loan records are linked to businesses associated with Richard Fail. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Richard Fail on the map

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Richard Fail in Mesa, AZ: Background Summary

Location
8540 E McDowell Rd Unit 133, Mesa, AZ 85207
Other Locations
Neptune Beach, FL ยท Millington, TN ยท Goldsboro, NC and 8 more
Profiles Found
21 people with this name
Phone Numbers
(480) 380-6554 and 10 others on file
Email
jumpfrog56@gmail.com and 1 other on file
Possible Relatives
Edith Patterson Fail, Needham Earl Fail, Beatrice R Fail, Emma Elijah Elijah, Wendy Marie Davis and 1 more
Career
Siplast Inc, Own Businees
Voter Registration
Registered Republican
Properties
2properties owned
Vehicles
10 linked โ€” 2007 Chevrolet Tahoe, 2010 Toyota Camry and 8 more
Contributions
$12.0K total โ€” Prosperity Action INC.
Licenses
2 professional licenses (Freshwater Fishing - 1 year)
PPP Loans
$937K for Deborah Smith, Msm Security Services, 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 Richard Fail. Because public records are indexed by name rather than by a unique identifier, the 73 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 Richard Fail

Search Complexity: High

73 public records across 13states, belonging to approximately 21 different individuals. With 21 distinct profiles across 13 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 13 states. Highest concentration: Florida (21%), followed by Arizona and North Carolina. Spans the South and West regions.

FL15recordsAZ6recordsNC4recordsOH4recordsMS2recordsCA2records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (38%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (13) and Vehicle Registration Records (10).

24
Contact & Address Records
13
PPP Loan Records
10
Vehicle Registration Records
6
Business & Corporate Filings
4
Political Contribution Records
3
Property Ownership Records

Age Distribution

Age range: approximately 49 years, suggesting multiple generations. Largest group: Senior (65+) (67%).

Senior (65+)6peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Richard Fail

Is Richard Fail a registered voter?
Yes, voter registration records show Richard Fail is registered in . We found 2 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Richard Fail own property?
County assessor records show 3 properties associated with Richard Fail . 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 Richard Fail?
Records show 10 vehicle registrations associated with Richard Fail, including a 2007 Chevrolet Tahoe. Registered makes include Chevrolet, Toyota, Suzuki, 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 Richard Fail?
We found 6 business affiliations for Richard Fail, including Siplast Inc. Other companies include own businees. Business records are compiled from state registries, SEC filings, and professional databases.
Has Richard Fail made political donations?
FEC disclosure records show 4 reported political contributions from Richard Fail, totaling $12,000. Recipients include Prosperity Action INC.. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Richard Fail?
Our database contains 73 total records for Richard Fail spanning 13 states. This includes 21 distinct contact records, 13 with phone numbers, 4 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 Richard Fail?
The 73 records displayed for Richard Fail 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 Richard Fail 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.