Russell Garvin

Age 84 b. 1941-05-02
๐Ÿ“ 6709 Lower Ridge Rd, Santa Rosa Ca
๐Ÿ“ž (415) 710-3668, (415) 710-3668
โœ‰๏ธ RGARVIN@GMAIL.COM

Mr Russell Garvin from Kalispell, MT

Age 80
๐Ÿ“ 4052 Farm To Market Rd, #kalispell, MT 59901-8406
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Beryl H Garvin,Dorothy Garvin
๐Ÿ• 6 previous addresses

Russell Garvin from Noble, OK

Age 43
๐Ÿ“ 5280 108th Ave, Noble, OK 73068
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Helen J Garvinwentz,Regina Garvin,Edith E Garvin,Russell Eugene Garvin,Ila V Garvin,Kori B Garvin

Russell Garvin from Kalispell, MT

Age 87 b. Aug 1938 Flathead Co.
๐Ÿ“ 4052 Farm To Market Rd
๐Ÿ“ž (406) 755-6257
๐Ÿ‘ค aka J Russell Garvin

Russell Garvin from Denver, CO

Age 109
๐Ÿ“ 940 Bonnie Brae Blvd, Denver, CO 80209
๐Ÿ“ž (303) 744-0525
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Gladys M Garvin,Gladys P Garvin

Russell Garvin from Santa Rosa, CA

Age 83 b. 1943 Male
๐Ÿ“ 6709 Lower Ridge Rd
๐Ÿ“ž (707) 537-7444

Russell Garvin from Mineral City, OH

Age 73 b. Jul 1952 Tuscarawas Co.
๐Ÿ“ 4762 New Cumberland Rd Ne
๐Ÿ“ž (330) 364-3670

Russell Garvin from Honolulu, HI

Age 99 b. May 1926 Honolulu Co.
๐Ÿ“ 1457 Pueo St
๐Ÿ“ž (586) 228-9287

Russell Garvin from Bucyrus, OH

Age 102 b. May 1923 Crawford Co.
๐Ÿ“ 454 W Beal Ave
๐Ÿ“ž (419) 562-4281

Russell Garvin from Brooklyn, NY

Age 64 b. Sep 1961 Kings Co.
๐Ÿ“ 545 Classon Ave Unit 2 B
๐Ÿ“ž (765) 672-8444

Russell Garvin from Gardnerville, NV

Age 48 b. Mar 1978 Douglas Co.
๐Ÿ“ 1349 El Dorado Dr
๐Ÿ“ž (920) 565-2144

Russell Garvin from Sebastian, FL

Male
๐Ÿ“ 7865 126th St
๐Ÿ“ž (772) 332-1383 (AT&T MOBILITY)

Russell Garvin from South Lake Tahoe, CA

Age 72 b. Dec 1953 El Dorado Co.
๐Ÿ“ Po Box 1409

Russell Garvin from Seattle, WA

Age 55 b. Sep 1970 King Co.
๐Ÿ“ 10056 4th Ave Sw
๐Ÿ‘ค aka Garvin Russell

Russell Garvin from East Canton, OH

Age 91 b. Sep 1934 Stark Co.
๐Ÿ“ 614 Nassau St W

Russell Garvin from Norman, OK

Age 75 b. Sep 1950 Cleveland Co.
๐Ÿ“ 730 Barbour Ave

Russell Garvin from Edwards, CO

Age 60 b. Jun 1965 Eagle Co.
๐Ÿ“ 32700 Highway 6 283

Russell Garvin from New York, NY

Age 51
๐Ÿ“ 372 127th St #3b, New York, NY 10027

Russell Garvin from Chesapeake, VA

Chesapeake City Co.
๐Ÿ“ 756 Albemarle Ct
๐Ÿ“ž (757) 545-8293

Russell Garvin from Auburn, WA

King Co.
๐Ÿ“ 1001 17th St Se Apt 604
๐Ÿ“ž (843) 346-3735

Russell Garvin from Seattle, WA

King Co.
๐Ÿ“ 9451 35th Ave 101

Russell Garvin from San Francisco, CA

San Francisco Co.
๐Ÿ“ 235 Grattan St

Russell Garvin from Everett, WA

Snohomish Co.
๐Ÿ“ 3928 116th St

Russell Garvin from South Bend, IN

St Joseph Co.
๐Ÿ“ 743 S Kentucky St

Russell Garvin from Niles, MI

๐Ÿ“ 610 Howard St

Russell Garvin from Pueblo, CO

Pueblo Co.
๐Ÿ“ 2123 E 5th St

Russell Garvin from Gresham, OR

Multnomah Co.
๐Ÿ“ 1922 Sw Mawrcrest Ct

Russell Garvin from San Jose, CA

Santa Clara Co.
๐Ÿ“ 6618 Crystal Spring Dr

Russell Garvin from Micco, FL

Brevard Co.
๐Ÿ“ 9335 Honeysuckle Dr

Russell Garvin

๐Ÿ“ 1 Gatewood Mo Po Box 12

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 31 contact records for Russell Garvin across 14 states. The most recent address on file is in Kalispell, Montana. Of these records, 14 include phone numbers and 1 include email addresses. Ages range from 43 to 109, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Garvin, Russell E & Mary E

Indian River County
PIN: 30382100010000000004.0
· 7865 126th St, Sebastian 32958
Value: $22,470

Garvin Russell E (tr)(tok)

Indian-river County
· 7875 126th St, Vero-Beach 32958.0
Built: 1980.0
Assessed: $24,169

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

Russell Garvin

UAF
38cochise Ct, Gypsum, CO, 81637
DOB: 1965 Gender: Male
County: Eagle

Russell Elder Garvin

7865 126th St, Sebastian, , 32958

Russell W. Garvin

715 Sunset Way, Dayton, NV, 89403
County: Lyon

Russell Garvin

Reg: 303435780
940 Gates Avenue 4a, 11221
DOB: 19630421 Gender: Male

Russell Donald Garvin

Independent Reg: 10/14/2008
20308 SW Monson St, Beaverton, OR, 97003
DOB: 1/1/1977
County: Washington

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 5 voter registration records were found for Russell Garvin in Colorado, , Nevada and 1 other state. Records show affiliations with UAF, IND, which may reflect different individuals or changes over time. 1 registration is currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

1999 OLDSMOBILE CUTLASS
ยท Registered to: Russell Garvin
ยท VIN: 1G3NG52M6X6303709
·
4052 Farm To Market Rd, Kalispell, MT, 59901
·
(406) 755-6257
2010 Chevrolet Silverado 1500
ยท Registered to: Russell Garvin
ยท VIN: 3GCRCSE06AG109837
·
Po Box 975, Fort Stockton, TX, 79735
·
(432) 661-2389
2008 Chevrolet Silverado 1500
ยท Registered to: Russell Garvin
ยท VIN: 2GCEC13J881332629
·
Po Box 975, Fort Stockton, TX, 79735-0975
·
(432) 661-2389
2007 Ford Mustang
ยท Registered to: Russell Garvin
ยท VIN: 1ZVFT82H575256387
·
Po Box 975, Fort Stockton, TX, 79735
·
(432) 661-2389
2005 Chevrolet Suburban
ยท Registered to: Russell Garvin
ยท VIN: 3GNEC16Z65G184492
·
Po Box 975, Fort Stockton, TX, 79735
·
(432) 661-2389
ยท Registered to: Russell Garvin
ยท VIN: 124378L347580
·
PO Box 20031, Carson City, NV, 89721
2003 Chevrolet Tahoe
ยท Registered to: Russell Garvin
ยท VIN: 1GNEK13Z73R293810
·
20 Lindbergh Dr, Gypsum, CO, 81637
·
(970) 524-1089
2009 DODGE RAM PICKUP 2500
ยท Registered to: Russell Garvin
ยท VIN: 3D7KS28L29G517568
·
PO Box 20031, Carson City, NV, 89721-0031
·
(775) 246-4086
2017 NISSAN FRONTIER
ยท Registered to: Russell Garvin
ยท VIN: 1N6DD0ER4HN714612
·
1224 Kingston Way, Gardnerville, NV, 89460 8612
2009 Nissan Murano
ยท Registered to: RUSSELL Garvin
ยท VIN: JN8AZ18U69W018038
·
8809 Willow Creek Ct, Douglasville, GA, 30135-1339
·
(678) 663-7675
1985 TOYOTA CAMRY 4DR SEDAN
ยท Registered to: Russell Garvin
ยท VIN: JT2SV12E9F0302462
·
9708 Kennett Sq NE Apt B, Bolivar, OH, 44612
ยท Registered to: Russell Garvin
ยท VIN: ID0421339CO
·
1224 Kingston Way, Gardnerville, NV, 89460
1999 DODGE DURANGO WAGON
ยท Registered to: Russell Garvin
ยท VIN: 1B4HS28Z7XF629108
·
1224 Kingston Way, Gardnerville, NV, 89460
2003
ยท Registered to: Russell Garvin
ยท VIN: 4AEAC84H23E025660
·
618 Oak Hollow Dr, Kerrville, TX, 78028
1996 FORD
ยท Registered to: Russell Garvin
·
2635 Hemple St, Chesapeake, VA, 23324
ยท Registered to: Russell Garvin
·
800 Red Bay Cir, Chesapeake, VA, 23322

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 16 vehicle registration records are associated with Russell Garvin. Registered makes include Oldsmobile, Chevrolet, Ford, Dodge and others. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Select Quote Insurance Services Inc

Russell GarvinPartner
(415) 543-7338russell@mcm.com
595 Market St Fl 6, San Francisco, CA94105

Lincap Management

Owner
(415) 882-9909
San Francisco, CA
Commodity and Security Brokers, Exchanges, Services and Dealers (Finance)

Russell Garvin

Resident Advisor
Catholic Chariries
Albany, New York, United States

Russell Garvin

Resident Advisor
Catholic Chariries
New York

Not Listed

Russell GarvinCeo
russell.garvin@yahoo.com
7865 126th St, Sebastian, FL32958
shoppingmadefun.com

Russell Garvin

Corvallis, OR

Russell Garvin

Corvallis, OR97333

Westchester Lutheran School

Russell GarvinLaw Librarian
(772) 332-1383russell.garvin@yahoo.com
7865 126th St, Sebastian, FL32958

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 14 business affiliations were found for Russell Garvin. Companies include Select Quote Insurance Services Inc, Lincap Management, Catholic Chariries and 1 more. Roles listed include Partner and Ceo. Records are compiled from state business registries, SEC filings, and professional networking databases.

R.G. Electric, LLC, Delinquent June 1, 2021

Delinquent
Addr: Gypsum, CO
Registered Agent: Russell Garvin

Russell Garvin Enterprises, INC.

Addr: Norman, OK
OK
Incorporator: Russell Garvin

Unknown Corporation

Addr: Norman, OK
OK
Incorporator: Russell Garvin

Lincap Management Company

Addr: 235 Grattan St, San Francisco, CA, 94117
CA
Officer: Russell Garvin

Source: Public Records Russell Garvin appears in 4 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

russell garvin

Expired
License # 100050
Addr: Gypsum, CO

Russell Garvin

JW
Expired
Addr: Gypsum, CO

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Russell Garvin 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.

Russell Garvin

Ventura High School - Ventura, CA, CA
1968

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Russell Garvin has 1 education-related record on file, which may include educator certifications and historical yearbook entries. Yearbook data represents a historical snapshot and may not reflect current information.

$500 Oct 19, 2020
2020
Americans For Decency And Democracy
Garvin, Russell Not Employed San Francisco, CA
$500 Oct 19, 2020
Americans For Decency And Democracy
Contributor Not Employed San Francisco, CA
$500 Oct 19, 2020
Unknown Committee
Garvin, Russell Not Employed San Francisco, CA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 3 political contribution records found for Russell Garvin. Total disclosed contributions amount to $1,500. Recipients include Americans For Decency And Democracy. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Russell Garvin

Male
·
800 Red Bay Cir, Chesapeake, VA 23322 (Chesapeake City County)
36.6986, -76.2022
TZ: Eastern
Single Family
MP

Russell D Garvin

Age 39 Male
·
20308 SW Monson St, Beaverton, OR 97003 (Washington County)
45.5129, -122.8860
Marital: Married TZ: Pacific
Edu: Some College
Homeowner Single Family Built 2000 Purchased 2005
MP

Russell Garvin

Age 54 Male
·
639 S Pearl St, Albany, NY 12202 (Albany County)
42.6309, -73.7654
· (518) 331-1684
Marital: Single TZ: Eastern
Occ: Professional Edu: High School
Multi-Family
MP

Russell E Garvin

Age 63 Male
·
1224 Kingston Way, Gardnerville, NV 89460 (Douglas County)
38.9062, -119.7490
· (775) 901-1964
Marital: Married TZ: Pacific
Edu: Vocational/Technical
Homeowner Single Family Built 1977
MP

Russell Garvin

Age 39 Male
·
207 Inverness Ct, Dayton, NV 89403 (Lyon County)
39.2721, -119.4780
· (775) 246-0703
Marital: Married TZ: Pacific
Edu: High School
Single Family
MP

Russell R Garvin

Age 65 Male
·
4762 New Cumberland Rd NE, Mineral City, OH 44656 (Tuscarawas County)
40.5655, -81.3209
· (330) 364-3670
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1963
MP

Russell P Garvin

Male
·
130 SW 112th St, Seattle, WA 98146 (King County)
47.5031, -122.3350
TZ: Pacific
Multi-Family
MP

Russell Garvin

Age 73 Male
·
6709 Lower Ridge Rd, Santa Rosa, CA 95404 (Sonoma County)
38.5147, -122.6770
· (707) 537-7444
Marital: Single TZ: Pacific
Homeowner Single Family Built 1980 Purchased 2014
MP

Russell E Garvin

Age 89 Male
·
7865 126th St, Sebastian, FL 32958 (Indian River County)
27.8269, -80.4958
· (772) 589-5366
Marital: Married TZ: Eastern
Occ: Professional Edu: Some College
Homeowner Single Family Built 1972

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 9 demographic profiles associated with Russell Garvin. 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 Russell Garvin. These loans were issued to businesses, not individuals.

Ashley Young

Self-Employed Individuals

$20,833 Paid in Full
Address:
627 S Pearl St
Albany, NY12202-1041
Approved

Feb 13, 2021

Forgiven

$20,916

Jobs Reported

1

Loan #

8597248404

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 1 PPP loan record is linked to businesses associated with Russell Garvin. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Russell Garvin on the map

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Russell Garvin in Santa Rosa, CA: Background Summary

Location
6709 Lower Ridge Rd, Santa Rosa Ca, Santa Rosa, CA
Other Locations
Kalispell, MT ยท Santa Rosa, CA ยท Mineral City, OH and 20 more
Profiles Found
31 people with this name
Phone Numbers
(405) 329-6027 and 14 others on file
Email
rgarvin@gmail.com
Possible Relatives
Edith Guerrero Garvin, Ila V Garvin, Karen Pilar Garvin, Karen-Pilar Garvin, Karen-pilar Garvin and 39 more
Career
Partner, Ceo at Select Quote Insurance Services Inc, Lincap Management
Voter Registration
Registered UAF
Properties
1property owned
Vehicles
16 linked โ€” 1999 Oldsmobile Cutlass, 2010 Chevrolet Silverado 1500 and 14 more
Contributions
$1,500 total โ€” Americans For Decency And Democracy
Licenses
2 professional licenses (JW)
PPP Loans
$20,833.33 for Ashley Young

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 Russell Garvin. Because public records are indexed by name rather than by a unique identifier, the 92 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 Russell Garvin

Search Complexity: High

92 public records across 16states, belonging to approximately 31 different individuals. With 31 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 Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county โ€” highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 16 states. Highest concentration: California (13%), followed by Florida and Colorado. Spans the West and South regions.

CA12recordsFL8recordsCO7recordsNV7recordsOK6recordsOR5records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (43%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Vehicle Registration Records (16) and Business & Corporate Filings (14).

35
Contact & Address Records
16
Vehicle Registration Records
14
Business & Corporate Filings
5
Voter Registration Records
4
Corporate Records
3
Political Contribution Records

Age Distribution

Age range: approximately 66 years, suggesting multiple generations. Largest group: Senior (65+) (67%).

Senior (65+)10peopleMiddle-Age (40-64)5people

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

Frequently Asked Questions About Russell Garvin

Is Russell Garvin a registered voter?
Yes, voter registration records show Russell Garvin is registered in Colorado with UAF affiliation. We found 5 voter registration entries across 4 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Russell Garvin own property?
County assessor records show 2 properties associated with Russell Garvin . 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 Russell Garvin?
Records show 16 vehicle registrations associated with Russell Garvin, including a 1999 OLDSMOBILE CUTLASS. Registered makes include Oldsmobile, Chevrolet, Ford, Dodge. 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 Russell Garvin?
We found 14 business affiliations for Russell Garvin, including Select Quote Insurance Services Inc (Partner). Other companies include Lincap Management, catholic chariries. Business records are compiled from state registries, SEC filings, and professional databases.
Has Russell Garvin made political donations?
FEC disclosure records show 3 reported political contributions from Russell Garvin, totaling $1,500. Recipients include Americans For Decency And Democracy. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Russell Garvin?
Our database contains 92 total records for Russell Garvin spanning 16 states. This includes 31 distinct contact records, 14 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 Russell Garvin?
The 92 records displayed for Russell Garvin 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 Russell Garvin 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.