Richard Kramlich from Menlo Park, CA

Age 79
๐Ÿ“ 2490 Sand Hill Rd, Menlo Park, CA 94025
๐Ÿ“ž (707) 944-9537, (415) 563-0887, (772) 589-0763, (707) 944-9537
๐Ÿช Nea Partners 10, Limited Partnership, Nea Onset Partners, Limited Partnership, New Enterprise Associates, Inc, Nea Partners Viii, Limited Partnership, Crk, Llc, Nea Partners Southwest, Lp

Richard Kramlich from Fort Myers, FL

Age 66
๐Ÿ“ 10515 Bella Vista Dr, Fort Myers, FL 33913
๐Ÿ“ž (239) 418-1021, (770) 435-7473
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Richard P Kramlich

Richard Kramlich from Fort Myers, FL

Age 78 b. Nov 1947 Lee Co.
๐Ÿ“ 10515 Bella Vista Dr
๐Ÿ“ž (239) 418-1021

Richard Kramlich from Arnold, MO

Age 69 b. Mar 1957 Jefferson Co.
๐Ÿ“ 1466 Donna Dr
๐Ÿ“ž (314) 282-1382

Richard Kramlich from Mill Valley, CA

Age 63 b. Apr 1963 Marin Co.
๐Ÿ“ 510 Lovell Ave
๐Ÿ“ž (415) 388-8375

Richard Kramlich from Colfax, WA

Age 106 b. Sep 1919 Whitman Co.
๐Ÿ“ 501 State Rte 272
๐Ÿ“ž (509) 397-2719

Richard Kramlich from Valrico, FL

Male
๐Ÿ“ 3905 Panther Creek Pl
๐Ÿ“ž (772) 370-0944 (SPRINT)

Richard Kramlich from Lutz, FL

Age 54 b. Jul 1971 Hillsborough Co.
๐Ÿ“ 17863 Lake Carlton Dr

Richard Kramlich from Cmp Pendleton, CA

Age 75 b. Feb 1951 San Diego Co.
๐Ÿ“ Po Box 555606

Richard Kramlich from West Fargo, ND

Age 81 b. Nov 1944 Cass Co.
๐Ÿ“ 513 1st Ave E

Richard Kramlich from Fort Myers, FL

Age 78 b. Nov 1947 Lee Co.
๐Ÿ“ 3417 Winkler Avenue Ext Apt 604

Richard Kramlich from Washington, DC

Age 75 b. Feb 1951 District Of Columbia Co.
๐Ÿ“ 706 8th St Se

Richard Kramlich from Arnold, MO

Age 69 b. Mar 1957 Jefferson Co.
๐Ÿ“ 1233 Walnut Dr

Richard Kramlich from Atlanta, GA

Age 78 b. Nov 1947 Fulton Co.
๐Ÿ“ 3068 Paces Station Rd Ri

Richard Kramlich from West Fargo, ND

Age 81 b. Nov 1944 Cass Co.
๐Ÿ“ 470 23rd St E Unit F

Richard Kramlich from Valatie, NY

0
๐Ÿ“ 786 Po Box, Valatie, NY 12184

Richard S Kramlich from Sf, CA

๐Ÿ“ 374 Chestnut St, San Francisco, CA 94133
๐Ÿ“ž (415) 397-7492

Richard Kramlich from Whitehall, PA

Lehigh Co.
๐Ÿ“ 1252 Knossos Dr

Richard Kramlich from West Fargo, ND

Cass Co.
๐Ÿ“ 635 23rd St E

Richard Kramlich from Tampa, FL

Hillsborough Co.
๐Ÿ“ 8106 Condor St

Richard Kramlich from Honolulu, HI

Honolulu Co.
๐Ÿ“ 445 Seaside Ave Apt 2805

Richard Kramlich from Salt Lake Cty, UT

Salt Lake Co.
๐Ÿ“ 1205 N Redwood Rd Apt 179

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 23 contact records for Richard Kramlich across 11 states. The most recent address on file is in Fort Myers, Florida. Of these records, 9 include phone numbers and 1 include email addresses. Ages range from 66 to 79, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Kramlich Richard P

Lee County
PIN: 024525P2003000300
· 10515 Bella Vista Dr, Fort Myers 33913
Value: $202,595

Kramlich Richard P Tr

Lee County
· 10515 Bella Vista Dr, Lehigh-Acres 33913.0
Built: 2002.0
Assessed: $234,997

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 2 property records linked to Richard Kramlich in Lehigh-Acres. Values shown are from county assessor records and may differ from current market prices.

Richard S Kramlich

Republican Reg: 01/04/2001
1043 Cedar Crest Blvd, Allentown, PA, 18104
DOB: 02/27/1951 Gender: Male

Richard P Kramlich

10515 Bella Vista Dr, Fort Myers, , 33913

Richard Louis Kramlich

County: Jefferson

Richard S Kramlich

1043 Cedar Crest Blvd
DOB: 02/27/1951 Gender: Male

Richard Lee Kramlich

Reg: 09/17/1994
501 Sr 272, Colfax, WA, 99111
DOB: 09/30/1966 Gender: Male
County: WT

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 5 voter registration records were found for Richard Kramlich in Pennsylvania, , Washington. Party affiliation is listed as R. 2 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2005 FORD ESCAPE
ยท Registered to: Richard Kramlich
ยท VIN: 1FMCU04155KB22607
·
10515 Bella Vista Dr, Fort Myers, FL, 33913
2007 FORD ESCAPE HYBRID
ยท Registered to: Richard Kramlich
ยท VIN: 1FMCU49H17KA18194
·
10515 Bella Vista Dr, Fort Myers, FL, 33913-7005
·
339137005
2010 FORD MARINER
ยท Registered to: Richard Kramlich
ยท VIN: 4M2CN8H77AKJ00269
·
10515 Bella Vista Dr, Fort Myers, FL, 33913-7005
2009 Chrysler PT Cruiser
ยท Registered to: Richard Kramlich
ยท VIN: 3A8FY58939T559294
·
1043 N Cedar Crest Blvd, Allentown, PA, 18104
·
(760) 470-4133
2011 FORD ESCAPE HYBRID
ยท Registered to: Richard Kramlich
ยท VIN: 1FMCU4K31BKA12323
·
10515 Bella Vista Dr, Fort Myers, FL, 33913-7005
2006 Chevrolet Equinox
ยท Registered to: Richard Kramlich
ยท VIN: 2CNDL73F866082234
·
1043 N Cedar Crest Blvd, Allentown, PA, 18104
·
(760) 470-4133

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 6 vehicle registration records are associated with Richard Kramlich. Registered makes include Ford, Chrysler, Chevrolet. 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.

Silicon Valley Bank

Associate
+18007747390rkramlich@svbank.com
Santa Clara,

New Enterprise Associates

Partner
(650) 854-9499
Menlo Park, CA
Holding and Other Investment Offices (Offices)

New Enterprise Assoc

Manager
(650) 854-9499marketing@nea.com
Menlo Park, CA
Holding and Other Investment Offices (Offices)

Green Bay Ventures

Richard KramlichChairman & Co-Managing Director at Green Bay Ventures
San Francisco,

Napa Valley Festival Association

Richard KramlichDirector
Walnut Creek, CA

Richard Kramlich

Fort Myers, Florida, United States Computer & Network Security

New Enterprise Assoc

Richard KramlichManager
(650) 854-9499sales@nea.com
2490 Sand Hill Rd, Menlo Park, CA94025

New Enterprise Assoc

Richard KramlichManager
(989) 766-0049sales@nea.com
5304 Ousterhout, Sterling, MI48659
nea.com

Bay Area Council

Richard KramlichGeneral Partner
(415) 981-6600rkramlich@bayareacouncil.org
San Francisco, CA

Washington State University

Richard KramlichRef Mechanic-Fac Operations Maintenance Plan
(509) 335-0711rkramlich@wsu.edu
Pullman, WA

Richard Kramlich

Retired ยท Fort Myers, Florida

Richard Kramlich

Whitehall, PA18052-0

New Enterprise Assoc

Richard KramlichManager
(623) 977-4201support@nea.com
8347 W. Villa Rita Drive, Peoria, AZ85382

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 25 business affiliations were found for Richard Kramlich. Companies include New Enterprise Associates, New Enterprise Assoc, Bay Area Council and 1 more. Roles listed include Associate and Chairman & Co-Managing Director at Green Bay Ventures. Records are compiled from state business registries, SEC filings, and professional networking databases.

Futr Corporation

Filed: Apr 14, 2014
CEO: Richard Kramlich

Futr Corporation

Addr: 510 Lovell Avenue, Mill Valley, CA, 94941
CA
CEO: Richard Kramlich

Unknown Corporation

VICE PRESIDENT: Richard Kramlich

Source: Public Records Richard Kramlich appears in 3 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

richard kramlich

A
Addr: Fort Myers, FL

Richard L Kramlich

EMS Evaluator
EXPIRED

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Richard Kramlich 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.

$1,000 Sep 30, 1999
2000 REP
Bush, George W
Kramlich, Richard S San Francisco, CA
$1,000 Mar 25, 1998
1998 REP
D'Amato, Alfonse M
Kramlich, Richard
$500 Sep 30, 1998
1998
Newsom, Gavin
Kramlich, Richard Exec @ New Enterprise Assoc San Francisco, CA
$2,000 Apr 30, 2016
2016 DEM
Wiener, Scott D
Kramlich, Richard C Venture Capitalist @ New Enterprise Associates Menlo Park, CA
$20 Jun 7, 2011
2012 REP
Walker, Scott
Kramlich, Richard Whitehall, PA
$20 Jun 21, 2011
2012 REP
Walker, Scott
Kramlich, Richard Whitehall, PA
$2,700 Oct 17, 2016
2016
Kamala Harris Victory Fund
Kramlich, Richard Partner @ Green Bay Advisors San Francisco, CA
$2,700 Oct 17, 2016
2016
Kamala Harris Victory Fund
Kramlich, Richard Investor @ Green Bay Advisors San Francisco, CA
$10,000 Apr 9, 2014
2014 REP
Rauner, Bruce V
Kramlich, Richard Venture Capital @ New Enterprise Associates San Francisco, CA
$500 Aug 17, 1988
1988
National Venture Capital Association Political Action Committee (nvca Pac)
Kramlich, Richard New Enterprise Assn San Francisco, CA
$500 Dec 31, 1995
1996
National Venture Capital Association Political Action Committee (nvca Pac)
Kramlich, Richard General Partner @ New Enterprise Associates San Francisco, CA
$5,000 Apr 28, 2000
2000
Dnc Non Federal Individual
Kramlich, Richard C Venture Capito @ New Enterprise Assn San Francisco, CA
$50,000 Dec 19, 2013
2014 REP
Rauner, Bruce V
Kramlich, Richard Venture Capital @ New Enterprise Associates San Francisco, CA
$1,000 Apr 22, 1994
1994 DEM
Lieberman, Joseph I
Kramlich, Richard Venture @ Nea Development CORP San Francisco, CA
$1,000 Jan 1, 1
1998 DEM
Connell, Kathleen
Kramlich, Richard C San Francisco, CA
$1,000 Jun 26, 2000
2000 DEM
Dodd, Christopher John
Kramlich, Richard General Partner @ New Enterprises Associates San Francisco, CA
$500 Oct 22, 1997
1998 REP
Stavert, Gisele
Kramlich, Richard Venture Capital @ New Enterprise Associates San Francisco, CA
$1,000 Aug 12, 1983
1984 DEM
Johnston, J. Bennett Jr.
Kramlich, Richard C New Enterprise Assn San Francisco, CA
$2,000 Jun 8, 2010
2010 DEM
Reid, Harry Mason
Kramlich, Richard Venture C @ New Enterprise Associates Menlo Park, CA
$1,000 Mar 25, 1998
REP
D'Amato, Alfonse M
Contributor
$1,000 Mar 25, 1998
Unknown Committee
Kramlich, Richard
$10,000
2014 REP
Rauner, Bruce V
Contributor Venture Capital @ New Enterprise Associates San Francisco, CA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 22 political contribution records found for Richard Kramlich. Total disclosed contributions amount to $94,440. Recipients include D'Amato, Alfonse M, Rauner, Bruce V. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Richard P Kramlich

Age 69 Male
·
10515 Bella Vista Dr, Fort Myers, FL 33913 (Lee County)
26.5941, -81.7819
· (239) 418-1021
Marital: Single TZ: Eastern
Edu: Some College
Homeowner Single Family Built 2002 Purchased 2015
MP

Richard Kramlich

Age 72 Male
·
1411 3rd St E, West Fargo, ND 58078 (Cass County)
46.8616, -96.8960
TZ: Central
Multi-Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 2 demographic profiles associated with Richard Kramlich. 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 Kramlich. These loans were issued to businesses, not individuals.

Lorena Puleo

Independent Contractors

$13,187 Paid in Full
Address:
1601 W Fox Park Dr Apt 11T
West Jordan, UT84088-7924
Approved

Apr 26, 2021

Forgiven

$13,281

Jobs Reported

1

Loan #

2292918907

Loan Size

Small

Loud Cufflinks LLC

Limited Liability Company(LLC

$5,497 Paid in Full
Address:
1601 W Fox Park Dr Apt 7W
West Jordan, UT84088-7928
Approved

Feb 12, 2021

Forgiven

$5,540

Jobs Reported

1

Loan #

7656758400

Loan Size

Small

Lorena Puleo

Independent Contractors

$13,187 Paid in Full
Address:
1601 W Fox Park Dr Apt 11T
West Jordan, UT84088-7924
Approved

Apr 3, 2021

Forgiven

$13,267

Jobs Reported

1

Loan #

5841968701

Loan Size

Small

Edgar Palacios

Independent Contractors

$13,187 Paid in Full
Address:
1601 W Fox Park Dr Apt 11T
West Jordan, UT84088-7924
Approved

Apr 28, 2021

Forgiven

$13,273

Jobs Reported

1

Loan #

3467388900

Loan Size

Small

Edgar Palacios

Independent Contractors

$13,187 Paid in Full
Address:
1601 W Fox Park Dr Apt 11T
West Jordan, UT84088-7924
Approved

Apr 3, 2021

Forgiven

$13,262

Jobs Reported

1

Loan #

6057388705

Loan Size

Small

Sandra Brutsman

Sole Proprietorship

$20,832 Paid in Full
Address:
1601 W Fox Park Dr Apt 5J
West Jordan, UT84088-8247
Approved

May 23, 2021

Forgiven

$20,892

Jobs Reported

1

Loan #

6723749008

Loan Size

Small

Moneta Eyre

Sole Proprietorship

$20,833 Paid in Full
Address:
1601 W Fox Park Dr
West Jordan, UT84088-7902
Approved

Apr 23, 2021

Forgiven

$20,934

Jobs Reported

1

Loan #

8940998807

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 7 PPP loan records are linked to businesses associated with Richard Kramlich. 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 Kramlich on the map

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Richard Kramlich in UT: Background Summary

Location
1601 W Fox Park Dr, APT 5E West Jordan, UT 84088-8247
Other Locations
Fort Myers, FL ยท Arnold, MO ยท Mill Valley, CA and 12 more
Profiles Found
23 people with this name
Phone Numbers
(801) 565-8823 and 9 others on file
Email
rickk@haaga.com and 5 others on file
Possible Relatives
Johnnie B Clegg, Elinor Powell Bloom, Alexis Breanne Kramlich, Clifford A Bloom, Donald E Powell and 48 more
Career
Associate, Chairman & Co-Managing Director at Green Bay Ventures at New Enterprise Associates, New Enterprise Assoc
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
6 linked โ€” 2005 Ford Escape, 2007 Ford Escape Hybrid and 4 more
Contributions
$94.4K total โ€” Rauner, Bruce V, D'Amato, Alfonse M
PPP Loans
$99,910 for Lorena Puleo, Loud Cufflinks 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 Kramlich. Because public records are indexed by name rather than by a unique identifier, the 100 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 Kramlich

Search Complexity: High

100 public records across 14states, belonging to approximately 23 different individuals. With 23 distinct profiles across 14 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 14 states. Highest concentration: Florida (17%), followed by California and Pennsylvania. Spans the South and West regions.

FL17recordsCA11recordsPA6recordsND4recordsAZ3recordsWA3records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (27%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (25) and Political Contribution Records (22).

26
Contact & Address Records
25
Business & Corporate Filings
22
Political Contribution Records
7
PPP Loan Records
6
Vehicle Registration Records
5
Voter Registration Records

Age Distribution

Age range: approximately 52 years, suggesting multiple generations. Largest group: Senior (65+) (75%).

Senior (65+)6peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Richard Kramlich

Is Richard Kramlich a registered voter?
Yes, voter registration records show Richard Kramlich is registered in Pennsylvania with R affiliation. We found 5 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Richard Kramlich own property?
County assessor records show 2 properties associated with Richard Kramlich . 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 Kramlich?
Records show 6 vehicle registrations associated with Richard Kramlich, including a 2005 FORD ESCAPE. Registered makes include Ford, Chrysler, Chevrolet. 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 Kramlich?
We found 25 business affiliations for Richard Kramlich (Associate). Other companies include New Enterprise Assoc, Bay Area Council. Business records are compiled from state registries, SEC filings, and professional databases.
Has Richard Kramlich made political donations?
FEC disclosure records show 22 reported political contributions from Richard Kramlich, totaling $94,440. Recipients include D'Amato, Alfonse M and Rauner, Bruce V. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Richard Kramlich?
Our database contains 100 total records for Richard Kramlich spanning 14 states. This includes 23 distinct contact records, 9 with phone numbers, 1 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 Kramlich?
The 100 records displayed for Richard Kramlich 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 Kramlich 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.