Rick Jay

Age 67 b. 1958-10-12
๐Ÿ“ 1909 E 36th St, Joplin Mo
๐Ÿ“ž (956) 200-2900, (956) 332-8212, (678) 471-7455
โœ‰๏ธ JAYRICKED@GMAIL.COM, jayricked@gmail.com

Rick Jay

Age 67 b. 1958-10-12
๐Ÿ“ 249 Oakleigh, Caroltn Ga 30116
๐Ÿ“ž (678) 471-7455
โœ‰๏ธ JAYRICKED@GMAIL.COM

Rick Jay from Boulder, CO

0
๐Ÿ“ 855 Circle Dr, Boulder, CO 80302
๐Ÿ“ž (303) 440-0177
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Eric Nmi Jay,Sue Jay,Jason Jesurum Jay

Rick Jay

๐Ÿ“ 855 Circle Dr, Boulder Co
๐Ÿ“ž (303) 579-0314, (303) 442-1427
โœ‰๏ธ RICKJAY40@GMAIL.COM

Rick Jay

๐Ÿ“ 15468 130th Pl, Lemont Il
๐Ÿ“ž (630) 257-1208, (630) 294-3296
โœ‰๏ธ CJJAR5@COMCAST.NET

Rick Jay

๐Ÿ“ 312 Howard Creek Rd, Midway Ar
๐Ÿ“ž (630) 294-3296, (870) 620-0166
โœ‰๏ธ CJJAR@ATT.NET

Rick Jay

๐Ÿ“ 15468 130th Pl, Lemont Il 60439
๐Ÿ“ž (630) 257-1208, (630) 294-3296
โœ‰๏ธ CJJAR5@COMCAST.NET

Rick Jay from Greenbrier, AR

Age 68 b. 1958 Male
๐Ÿ“ 242 Green Valley Dr
๐Ÿ’ผ 1702
๐Ÿ“ž (641) 752-0971
โœ‰๏ธ birdog13@hotmail.com

Rick Jay from Springfield, MO

Age 78 b. Aug 1947 Greene Co.
๐Ÿ“ 3133 E Lark St
๐Ÿ“ž (417) 887-6453

Rick Jay from Ceres, CA

Age 65 b. Nov 1960 Stanislaus Co.
๐Ÿ“ 2301 Turner Rd
๐Ÿ“ž (209) 537-4130

Rick Jay

๐Ÿ“ 242 Green Valley Dr, Greenbrier Ar
๐Ÿ“ž (641) 751-7227, (641) 751-7227
โœ‰๏ธ BIRDOG13@YAHOO.COM

Rick Jay from Glendale, AZ

Male
๐Ÿ“ 5344 W Oraibi Dr
๐Ÿ“ž (623) 810-1806 (VERIZON WIRELESS)

Rick Jay from Marshalltown, IA

Age 68 b. 1958 Male
๐Ÿ“ 406 Bromley St
๐Ÿ“ž (641) 752-0971

Rick Jay from Mukwonago, WI

Age 71 b. Sep 1954 Waukesha Co.
๐Ÿ“ 8985 Highway I

Rick Jay from Fort Wayne, IN

Age 69 b. Sep 1956 Allen Co.
๐Ÿ“ 1808 Folsom Ln
๐Ÿ‘ค aka Raymond R Jay, Raymond R Ray

Rick Jay from Butte, MT

Age 55 b. Oct 1970 Silver Bow Co.
๐Ÿ“ 48 E Braodway 8

Rick Jay from Conrad, IA

Age 68 b. Feb 1958 Grundy Co.
๐Ÿ“ Po Box 432

Rick Jay from Joplin, MO

Age 67 b. Dec 1958 Jasper Co.
๐Ÿ“ 2411 Montana Pl

Rick Jay from Butte, MT

Silver Bow Co.
๐Ÿ“ 112 S Jackson St

Rick Jay from Catonsville, MD

Baltimore Co.
๐Ÿ“ 411 Westside Bl

Rick Jay from Donna, TX

Hidalgo Co.
๐Ÿ“ 300 S 1 St St

Rick Jay from Hutchinson, KS

Reno Co.
๐Ÿ“ 312 E Sherman St

Rick Jay

๐Ÿ“ 1 Clearville Pa Po Box 88

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 23 contact records for Rick Jay across 12 states. The most recent address on file is in Greenbrier, Arkansas. Of these records, 13 include phone numbers and 8 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Jay Rick Hill & Debra Kay Hill

Douglas County
· 20810 Shefield Pl, Parker Co 80138.0
Assessed: $29,180

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

Rick D Jay

17139 Hwy 231, Fountain, , 32438

Rick Lynn Jay

Unaffiliated
1211 Main St, Hampstead, MD, 21074
Gender: Male
County: Carroll

Rick Leon Jay

County: Newton

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

2012 RAM RAM PICKUP 3500
ยท Registered to: Rick Jay
ยท VIN: 3C63D3ELXCG157760
·
17139 Highway 231, Fountain, FL, 32438-5249
·
(850) 624-3069
2012 CHRYSLER 300
ยท Registered to: Rick Jay
ยท VIN: 2C3CCAAGXCH113528
·
7464 W Goforth Rd, Kilgore, TX, 75662-7078
·
(903) 812-1965
1995 NISSAN PATHFINDER WAGON
ยท Registered to: Rick Jay
ยท VIN: JN8HD17Y1SW012302
·
1941 Center St, East Troy, WI, 53120
2007 Pontiac G6
ยท Registered to: Rick Jay
ยท VIN: 1G2ZG58B474253707
·
1818 Banks Ave, Butte, MT, 59701
·
(406) 491-8311
2006 Cadillac CTS
ยท Registered to: Rick Jay
ยท VIN: 1G6DP577160167136
·
1818 Banks Ave, Butte, MT, 59701
·
(406) 491-8311
1985 MERCURY MARQUIS 4DR SEDAN
ยท Registered to: Rick Jay
ยท VIN: 2MEBP95F9FX683802
·
406 Bromley St, Marshalltown, IA, 50158
·
(641) 752-0971
ยท Registered to: Rick Jay
·
1818 Banks Ave, Butte, MT, 59701

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 7 vehicle registration records are associated with Rick Jay. Registered makes include Ram, Chrysler, Nissan, Pontiac and others. 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.

Process Heating Co

President
+12066823414office@sacplastics.com
Seattle,

Brock Usa, LLC

Rick JayExecutive Officer
(303) 544-5800rick.jay@.brockusa.com
2840 Wilderness Pl, Boulder, CO80301

Jay Key Svc

Owner
(417) 862-7049
Springfield, MO
Miscellaneous Repair Services (Services)

Brock U S A

Member
(303) 544-5800
Boulder, CO
Miscellaneous Manufacturing Industries (Industries)

Artistic Architecture Inc

Owner
(812) 768-5931
Fort Branch, IN
Engineering, Management, Accounting, Research and Related Industries (Services)

Bear Creek Metal Craft

Owner
(850) 722-1811
Fountain, FL
Miscellaneous Retail (Stores)

Process Heating Co Inc

President
(206) 682-3414
Seattle, WA
Commercial and Industrial Machinery and Computer Equipment (Equipment)

Rick Jay

Security Professional
Amazon
California

Plato's Coney Island

Rick Jay
rick.jay@yahoo.com
1106 E Saint Louis St, Springfield, MO65806
platos.com

Keystone Steel & Wire Co

Rick JayProcess Control Manager
(309) 697-6161rjay@keystonesteel.com
Peoria, IL

Process Heating Company

Rick JayPresident
(206) 682-3414sales@processheating.com
Seattle, WA

Rick Jay

United States

Plato's Coney Island

Rick Jay
rick.jay@yahoo.com
1106 E Saint Louis St, Springfield, MO65806

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 19 business affiliations were found for Rick Jay. Companies include Brock Usa, LLC, Jay Key Svc, Brock U S A and 6 more. Roles listed include President and Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

Rick Jay

Addr: 406 Bromley, Marshalltown, IA, 50158
IA

Rick Jay

Addr: 406 Bromley, Marshalltown, IA, 50158
IA

Rick Jay

Addr: 406 Bromley, Marshalltown, IA, 50158
IA

Rick Jay

Addr: 406 Bromley, Marshalltown, IA, 50158
IA

Unknown Corporation

Addr: 406 Bromley, Marshalltown, IA, 50158
IA
DIRECTOR: Rick Jay

Source: Public Records Rick Jay appears in 5 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$17 Mar 25, 2020
2020 REP
Trump, Donald J
Jay, Rick Truck Driver Crane Op @ Frontier Leasing Joplin, MO
$5 Aug 31, 2020
2020 REP
Trump, Donald J
Jay, Rick Driver Food Distribution @ Dons Cold Storage Joplin, MO
$250 Aug 2, 2019
2020 DEM
McGrath, Amy
Jay, Rick Not Employed Boulder, CO
$5 Jan 3, 2020
2020
Trump Make America Great Again Committee
Jay, Rick Driver @ Frontier Leasing Joplin, MO
$5 Dec 30, 2019
2020 REP
Trump, Donald J
Jay, Rick Truck Driver Crane Op @ Frontier Leasing Joplin, MO
$1,000 Aug 29, 2015
2016 DEM
Sanders, Bernard
Jay, Rick Not Employed Boulder, CO
$5 May 18, 2020
2020 REP
Trump, Donald J
Jay, Rick Driver Food Distribution @ Dons Cold Storage Joplin, MO
$5 Oct 7, 2019
2020
Trump Make America Great Again Committee
Jay, Rick Truck Driver Crane Op @ Frontier Leasing Joplin, MO
$17 Mar 25, 2020
2020 REP
Trump, Donald J
Jay, Rick Driver @ Frontier Leasing Joplin, MO
$1,000 Apr 18, 2013
2014
Americans For Responsible Solutions Pac
Jay, Rick Retired Boulder, CO
$8 Sep 1, 2020
2020 REP
Trump, Donald J
Jay, Rick Crane Op Truck Driver @ Frontier Leasing Joplin, MO
$5 Sep 1, 2022
2024
Save America
Jay, Rick Truck Driver @ Kb Transportation Donna, TX
$2,800 Jul 15, 2020
2020 DEM
Biden, Joe
Jay, Rick Not Employed Agazzano PC, ZZ
$7 Feb 3, 2020
2020 REP
Trump, Donald J
Jay, Rick Crane Op Truck Driver @ Frontier Leasing Joplin, MO
$9 Sep 1, 2020
2020
Trump Make America Great Again Committee
Jay, Rick Driver Food Distribution @ Dons Cold Storage Joplin, MO
$5 Oct 24, 2020
2020 REP
Trump, Donald J
Jay, Rick Driver @ Dons Cold Storage Joplin, MO
$18 Oct 1, 2022
2024
Save America
Jay, Rick Truck Driver Leave Of Absence @ Kb Western Livestock Haulers Donna, TX
$5 Sep 1, 2022
2024
Save America
Jay, Rick Truck Driver @ Kb Transportation Donna, TX
$9 Jul 1, 2020
2020
Trump Make America Great Again Committee
Jay, Rick Driver Food Distribution @ Dons Cold Storage Joplin, MO
$2,300 Oct 17, 2018
2018 DEM
Neguse, Joseph
Jay, Rick Retired Boulder, CO
$2,300 Oct 17, 2018
2018 DEM
Neguse, Joseph
Jay, Rick Not Employed Boulder, CO
$5 Dec 22, 2019
2020 REP
Jordan, James D.
Jay, Rick Truck Driver Crane Op @ Frontier Leasing Joplin, MO
$3 Nov 13, 2020
2020
Trump Make America Great Again Committee
Jay, Rick Driver @ Dons Cold Storage Joplin, MO
$2,800 Jul 15, 2020
2020 DEM
Biden, Joe
Jay, Rick Not Employed Agazzano PC, ZZ
$18 Oct 1, 2022
2024
Save America
Jay, Rick Truck Driver Leave Of Absence @ Kb Western Livestock Haulers Donna, TX
$9 Aug 1, 2020
2020
Trump Make America Great Again Committee
Jay, Rick Driver Food Distribution @ Dons Cold Storage Joplin, MO
$1,000 Apr 18, 2013
Americans For Responsible Solutions Pac
Contributor Retired Boulder, CO
$500 Aug 11, 2020
Unknown Committee
Jay, Rick Not Employed Agazzano (PC)
$1,000 20221029
Forward Majority Action
Contributor Not Employed Boulder, CO

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 29 political contribution records found for Rick Jay. Total disclosed contributions amount to $15,108. Recipients include Americans For Responsible Solutions Pac, Forward Majority Action. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Rick Jay

Male
·
4650 S Leisure Ct, Ellicott City, MD 21043 (Howard County)
39.2461, -76.8263
· (410) 461-7125
TZ: Eastern
Single Family
MP

Rick Jay

Age 43 Male
·
929 W 2nd Ave, Hutchinson, KS 67501 (Reno County)
38.0547, -97.9525
· (620) 662-2679
Marital: Single TZ: Central
Occ: Professional Edu: High School
Homeowner Single Family Built 1915 Purchased 1991
MP

Rick L Jay

Age 59 Male
·
406 Bromley St, Marshalltown, IA 50158 (Marshall County)
42.0515, -92.9060
· (641) 754-4768
Marital: Married TZ: Central
Occ: Professional Edu: High School
Homeowner Single Family
MP

Rick R Jay

Age 60 Male
·
1926 Greythorn Dr, Fort Wayne, IN 46815 (Allen County)
41.0968, -85.0342
· (260) 749-0758
Marital: Married TZ: Eastern
Occ: Professional Edu: Some College
Homeowner Single Family Built 1998 Purchased 1999
MP

Rick Jay

Age 46 Male
·
1818 Banks Ave, Butte, MT 59701 (Silver Bow County)
45.9957, -112.4940
· (406) 491-8311
Marital: Married TZ: Mountain
Edu: Some College
Homeowner Single Family Built 1973 Purchased 2013

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 5 demographic profiles associated with Rick Jay. 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 Rick Jay. These loans were issued to businesses, not individuals.

Karen Painter

Sole Proprietorship

$20,833 Exemption 4
Address:
3301 N Shary Rd Trlr 48
Mission, TX78573-8435
Approved

Apr 26, 2021

Jobs Reported

1

Loan #

2131898902

Loan Size

Small

Jay Key Service INC

Corporation

$115,600 Paid in Full
Address:
1106 E Saint Louis St
Springfield, MO65806-2528
Approved

Apr 3, 2020

Forgiven

$116,644

Jobs Reported

10

Loan #

4420037008

Loan Size

Small

Custom Solar, LLC

Limited Liability Company(LLC

$120,890 Paid in Full
Address:
2840 Wilderness Pl
Boulder, CO80301-5414
Approved

Apr 28, 2020

Forgiven

$121,649

Jobs Reported

9

Loan #

9761647200

Loan Size

Small

Karen Painter

Sole Proprietorship

$20,833 Exemption 4
Address:
3301 N Shary Rd Trlr 48
Mission, TX78573-8435
Approved

May 22, 2021

Jobs Reported

1

Loan #

5746039005

Loan Size

Small

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

Find Rick Jay on the map

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Rick Jay in Joplin, MO: Background Summary

Location
1909 E 36th St, Joplin Mo, Joplin, MO
Other Locations
Greenbrier, AR ยท Springfield, MO ยท Ceres, CA and 9 more
Profiles Found
23 people with this name
Phone Numbers
(956) 200-2900 and 13 others on file
Email
jayricked@gmail.com and 5 others on file
Possible Relatives
Eric Nmi Jay, Sue Jay, Jason Jesurum Jay
Career
President, Maintenance Supervisor at Brock Usa, LLC, Jay Key Svc
Voter Registration
Registered No Party Preference
Properties
1property owned
Vehicles
7 linked โ€” 2012 Ram Ram Pickup 3500, 2012 Chrysler 300 and 5 more
Contributions
$15.1K total โ€” Americans For Responsible Solutions Pac, Forward Majority Action
PPP Loans
$278K for Karen Painter, Jay Key Service INC

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 Rick Jay. Because public records are indexed by name rather than by a unique identifier, the 98 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 Rick Jay

Search Complexity: High

98 public records across 16states, belonging to approximately 23 different individuals. With 23 distinct profiles across 16 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 16 states. Highest concentration: Iowa (8%), followed by Colorado and Missouri. Spans the Midwest and West regions.

IA8recordsCO6recordsMO6recordsMT4recordsIN3recordsFL3records

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (31%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (25) and Business & Corporate Filings (19).

29
Political Contribution Records
25
Contact & Address Records
19
Business & Corporate Filings
7
Vehicle Registration Records
5
Corporate Records
4
PPP Loan Records

Age Distribution

Age range: approximately 23 years, suggesting multiple generations. Largest group: Senior (65+) (83%).

Senior (65+)5peopleMiddle-Age (40-64)1person

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

Frequently Asked Questions About Rick Jay

Is Rick Jay a registered voter?
Yes, voter registration records show Rick Jay is registered in . We found 3 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Rick Jay own property?
County assessor records show 1 property associated with Rick Jay . 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 Rick Jay?
Records show 7 vehicle registrations associated with Rick Jay, including a 2012 RAM RAM PICKUP 3500. Registered makes include Ram, Chrysler, Nissan, Pontiac. 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 Rick Jay?
We found 19 business affiliations for Rick Jay (President). Other companies include Jay Key Svc, Brock U S A. Business records are compiled from state registries, SEC filings, and professional databases.
Has Rick Jay made political donations?
FEC disclosure records show 29 reported political contributions from Rick Jay, totaling $15,108. Recipients include Americans For Responsible Solutions Pac and Forward Majority Action. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Rick Jay?
Our database contains 98 total records for Rick Jay spanning 16 states. This includes 23 distinct contact records, 13 with phone numbers, 8 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 Rick Jay?
The 98 records displayed for Rick Jay 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 Rick Jay 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.