Stephen Cogan from Port Charlotte, FL

Age 51
๐Ÿ“ 23401 Mckim Ave, Port Charlotte, FL 33980
๐Ÿ“ž (941) 286-0803, (941) 627-9108, (516) 698-7512
โœ‰๏ธ mellocritter@aol.com, mellocritter@hotmail.com, scogan@cfl.rr.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Angela Cronincogan,Angela Cronin Cronin,Angela Cogan,Cacioppo Cogan,Holly I Cogan

Stephen Cogan from Ashland, KY

Age 47
๐Ÿ“ 2339 Woods Ct, Ashland, KY 41102
๐Ÿ“ž (606) 928-8420, (606) 928-8420, (606) 329-0740
โœ‰๏ธ scscogan@wwd.net
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Christa Cogan,Nancy C Cogan,Robert M Cogan,Anne Christine Cogan,Steve Cogan,Steohen W Cogan,Anna C Cogan

Stephen Cogan from Worthington, KY

Age 60
๐Ÿ“ 933 Newman Dr, Worthington, KY 41183
๐Ÿ“ž (606) 836-9023, (606) 836-9023, (606) 928-8280, (304) 525-1983, (304) 525-3172
โœ‰๏ธ smcogan@zoomnet.net
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Steve M Cogan,Melissa D Cogan,Leslie Dawn Cogan,M Cogan
๐Ÿช The Prescription Shop, Inc

Stephen Cogan from Rocky Point, NY

Age 72
๐Ÿ“ 26 Brookhaven Dr, Rocky Point, NY 11778
๐Ÿ“ž (631) 474-0592, (631) 474-1566, (516) 689-7415, (516) 689-7416, (631) 689-7428, (516) 474-1503
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Michelle Lee Neumann,Leandrea K Dilorenzo,Christopher L Cogan,Leandra K Cogan,L Cogan,Leona Cogan

Stephen Cogan from Rocky Point, NY

Age 83 b. May 1942 Suffolk Co.
๐Ÿ“ 26 Brookhaven Dr
๐Ÿ“ž (503) 738-8470
๐Ÿ‘ค aka Stephen B Cogan, Steve Logan

Stephen Cogan from Worthington, KY

Age 72 b. Dec 1953 Greenup Co.
๐Ÿ“ 933 Newman Dr
๐Ÿ“ž (606) 836-9023

Stephen Cogan from Benicia, CA

Age 70 b. 1956 Male
๐Ÿ“ 424 York Dr
๐Ÿ“ž (707) 745-8105

Stephen Cogan from Virginia Beach, VA

Age 68 b. 1958 Virginia Beach City Co.
๐Ÿ“ 1125 Nipigon Ct
๐Ÿ“ž (757) 301-2126

Stephen Cogan from Portland, OR

Age 69 b. Aug 1956 Multnomah Co.
๐Ÿ“ 7738 Se 141st Ave
๐Ÿ“ž (916) 727-3526

Stephen Cogan from Ashland, KY

Age 59 b. Jun 1966 Boyd Co.
๐Ÿ“ 2339 W Woods Ct
๐Ÿ“ž (606) 928-8420

Stephen Cogan from Craryville, NY

Male
๐Ÿ“ 325 Post Hill Rd
๐Ÿ“ž (718) 413-9782 (SPRINT)

Stephen Cogan from Coram, NY

Age 62 b. May 1963 Suffolk Co.
๐Ÿ“ 14 4th St

Stephen Cogan from Pt Charlotte, FL

Age 62 b. May 1963 Charlotte Co.
๐Ÿ“ 23401 Mckim Ave

Stephen Cogan from Hamilton, OH

Age 61 b. Dec 1964 Butler Co.
๐Ÿ“ 6990 Stratton Ct

Stephen Cogan from Mobile, AL

Age 57 b. Sep 1968 Mobile Co.
๐Ÿ“ 5412 Timberlane Dr

Stephen Cogan from Brooklyn, NY

Age 87 b. Dec 1938 Kings Co.
๐Ÿ“ 386 Henry St Unit
๐Ÿ‘ค aka Stephen Cogan

Stephen Cogan from Brentwood, NY

0
๐Ÿ“ 119 Ferris Ave, Brentwood, NY 11717

Stephen Cogan from Pt Charlotte, FL

Charlotte Co.
๐Ÿ“ 3223 Lake View Blvd
๐Ÿ“ž (660) 826-6231

Stephen Cogan from Ashland, KY

Boyd Co.
๐Ÿ“ 6413 Hickory Hills Dr
๐Ÿ“ž (606) 324-6362

Stephen Cogan from Virginia Bch, VA

Virginia Beach City Co.
๐Ÿ“ 100 Edgebrook Ct
๐Ÿ“ž (909) 823-7279

Stephen Cogan from Springfield, OH

Clark Co.
๐Ÿ“ 1949 Wilkes Dr

Unknown Person

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 22 contact records for Stephen Cogan across 8 states. The most recent address on file is in Rocky Point, New York. Of these records, 14 include phone numbers and 3 include email addresses. Ages range from 47 to 72, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Cogan,stephen

Broward County
PIN: 484203M30090
· 153 Ventnor J, Deerfield Beach 33442
Value: $17,640

Cogan,stephen

Broward County
PIN: 484203M30090
· 153 Ventnor J, Deerfield Beach
Built: 1978.0
Assessed: $29,830

Cogan Stephen R

Ada County
· 1410 W Sherington Ct, Eagle

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 3 property records linked to Stephen Cogan in Eagle. Values shown are from county assessor records and may differ from current market prices.

stephen DOUGLAS cogan

Democrat Reg: 03/14/2011
5413 Cedarwood Dr, Raleigh, NC, 27609
DOB: 1976 Gender: Male
County: Wake

Stephen B Cogan

1915 Altivo Dr, Henderson, NV, 89074
County: Clark

Stephen L Cogan

Reg: K1350086
752 West End Avenue 17e
DOB: 19381214 Gender: Male
Senate: 10

Stephen B Cogan

Reg: M0015965
26 Brookhaven Dr
DOB: 19420530 Gender: Male
Senate: 1

Stephen L Cogan

Reg: 1/1/231370
325 Post Hill Rd
DOB: 19381214 Gender: Male
Senate: 19

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 5 voter registration records were found for Stephen Cogan in North Carolina, Nevada. Party affiliation is listed as DEM. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2004 TOYOTA CAMRY SOLARA
ยท Registered to: Stephen Cogan
ยท VIN: 4T1CA30P84U013081
·
933 Newman Dr, Worthington, KY, 41183
·
(606) 836-9023
2008 FORD ESCAPE
ยท Registered to: Stephen Cogan
ยท VIN: 1FMCU93108KB47747
·
275 W 96th St Apt 31c, New York, NY, 10025-6271
·
(212) 665-3869
2018 HYUNDAI SANTA FE SPORT
ยท Registered to: Stephen Cogan
ยท VIN: 5NMZU3LB5JH102177
·
6990 Stratton Ct, Hamilton, OH, 45011

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with Stephen Cogan. Registered makes include Toyota, Ford, Hyundai. The most recent model year on record is 2018. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Office Max

SVP Of Real Estate
+16304387800
Naperville,

Stephen Cogan

Key Worker - Aspect
Munster

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 2 business affiliations were found for Stephen Cogan. Roles listed include SVP Of Real Estate. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Business Development Corporation/Cooperative Corporation/Federally Chartered Company/Foreign Corporation/Kentucky Corporation/Professional Services Corporation/Foreign Professional Services Corp./Kentucky Professional Services Corp/Kentucky Cooperative Corporation/Foreign Cooperative Corporation/Kentucky Mutual Insurance Co./Foreign Mutual Insurance Co.
Officer: Stephen M Cogan

Stephen M. Cogan

Goddess of Chocolate, Ltd.

Addr: VA
VA
VICE PRESIDENT: Stephen Cogan

Unknown Corporation

VICE PRESIDENT: Stephen T Cogan

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

stephen cogan

A
Addr: Rocky Point, NY

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Stephen Cogan holds 1 state-issued professional license on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Stephen Cogan

Springfield-Clark County Vocational High School - Springfield, OH, OH
1994

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Stephen Cogan 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.

$15 Oct 15, 2013
2014
Walker, Scott
Cogan, Stephen Craryville, NY
$15 Nov 5, 2014
2014
Walker, Scott
Cogan, Stephen Craryville, NY
$40 Aug 3, 2020
2020 DEM
Biden, Joe
Cogan, Stephen Not Employed Mississauga, Ontar, MI
$15 Aug 22, 2013
2014
Walker, Scott
Cogan, Stephen Craryville, NY
$15 Nov 26, 2013
2014
Walker, Scott
Cogan, Stephen Craryville, NY
$10 Aug 30, 1989
1990 I
Macchiarola, Frank J
Cogan, Stephen Professor @ Manhattan Community Colle Brooklyn, NY
$40 Jun 10, 2020
2020 DEM
Biden, Joe
Cogan, Stephen Not Employed Mississauga, Ontar, MI
$100 Aug 21, 2004
2004 DEM
Hooker, John
Cogan, Stephen R Albuquerque, NM
$20 Jun 5, 2012
2012 REP
Walker, Scott (g)
Cogan, Stephen New York, NY
$15 Dec 19, 2013
2014
Walker, Scott
Cogan, Stephen Craryville, NY
$20 Apr 2, 2012
2012 REP
Wisconsin Republican Party
Cogan, Stephen New York, NY
$40 Apr 17, 2012
2012 REP
Walker, Scott (g)
Cogan, Stephen New York, NY
$40 Aug 3, 2020
DEM
Biden, Joe
Contributor Not Employed Mississauga, Ontar, MI
$50 Nov 3, 2024
Unknown Committee
Cogan, Stephen Not Employed Mississauga On L5n 5a9 Canada, ZZ
$20
2012 R
Walker, Scott (g)
Contributor New York, NY

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 15 political contribution records found for Stephen Cogan. Total disclosed contributions amount to $455. Recipients include Biden, Joe, Walker, Scott (g). Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Stephen Cogan

Male
·
485 Van Bussum Ave, Garfield, NJ 07026 (Bergen County)
40.8921, -74.1071
TZ: Eastern
Single Family
MP

Stephen M Cogan

Age 63 Male
·
933 Newman Dr, Worthington, KY 41183 (Greenup County)
38.5523, -82.7486
Marital: Single TZ: Eastern
Occ: Healthcare Edu: Some College
Homeowner Single Family
MP

Stephen Cogan

Age 53 Male
·
325 Post Hill Rd, Craryville, NY 12521 (Columbia County)
42.1299, -73.7071
· (518) 851-3589
Marital: Single TZ: Eastern
Edu: High School
Homeowner Single Family
MP

Stephen Cogan

Male
·
22041 Belinda Ave, Pt Charlotte, FL 33952 (Charlotte County)
26.9925, -82.0886
· (941) 235-0617
TZ: Eastern
Single Family
MP

Stephen R Cogan

Age 61 Male
·
1410 W Sherington Ct, Eagle, ID 83616 (Ada County)
43.7768, -116.3920
Marital: Married TZ: Mountain
Homeowner Single Family Built 2014 Purchased 2014
MP

Stephen D Cogan

Age 52 Male
·
6990 Stratton Ct, Hamilton, OH 45011 (Butler County)
39.3772, -84.4315
· (513) 759-1887
Marital: Inferred Married TZ: Eastern
Occ: Professional
Homeowner Single Family Built 1998 Purchased 2004
MP

Stephen T Cogan

Age 59 Male
·
1125 Nipigon Ct, Virginia Bch, VA 23454 (Virginia Beach City County)
36.7710, -75.9896
Marital: Married TZ: Eastern
Occ: White Collar Edu: Some College
Homeowner Single Family Built 1987 Purchased 2004
MP

Stephen S Cogan

Male
·
424 York Dr, Benicia, CA 94510 (Solano County)
38.0722, -122.1760
· (707) 745-8105
Marital: Married TZ: Pacific
Homeowner Single Family Built 1977
MP

Stephen M Cogan

Age 50 Male
·
1617 Johnson Ave, Ashland, KY 41101 (Boyd County)
38.4646, -82.6550
· (606) 325-0202
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Single Family
MP

Stephen B Cogan

Age 75 Male
·
26 Brookhaven Dr, Rocky Point, NY 11778 (Suffolk County)
40.9479, -72.9560
Marital: Married TZ: Eastern
Homeowner Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 10 demographic profiles associated with Stephen Cogan. 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 Stephen Cogan. These loans were issued to businesses, not individuals.

Art Of Anesthesia PLLC

Limited Liability Company(LLC

$20,833 Paid in Full
Address:
752 W End Ave Apt 21b
New York, NY10025-0148
Approved

Jun 5, 2020

Forgiven

$21,029

Jobs Reported

2

Loan #

8377087809

Loan Size

Small

Roads And Kingdoms Media LLC

Limited Liability Company(LLC

$16,481 Paid in Full
Address:
752 West End Avenue 21b
New York, NY10025
Approved

May 5, 2020

Forgiven

$16,660

Jobs Reported

2

Loan #

1922537404

Loan Size

Small

Hoffman Retail Bronxville, INC. DBA Whim

Corporation

$33,762 Paid in Full
Address:
752 W End Ave Apt 14a
New York, NY10025
Approved

May 1, 2020

Forgiven

$34,242

Jobs Reported

100

Loan #

2990427707

Loan Size

Small

Steven Freeman

Independent Contractors

$12,898 Paid in Full
Address:
752 W End Ave Apt 3H
New York, NY10025-0148
Approved

Mar 24, 2021

Forgiven

$12,945

Jobs Reported

1

Loan #

7885528601

Loan Size

Small

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

Find Stephen Cogan on the map

Blank map of the United States, territories not included Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
2
3
4
1
9
1
1
1
1
12
6
1
4

Stephen Cogan in Port Charlotte, FL: Background Summary

Location
23401 McKim Ave,Port Charlotte, FL 33980, Port Charlotte, FL
Other Locations
Rocky Point, NY ยท Worthington, KY ยท Benicia, CA and 11 more
Profiles Found
22 people with this name
Phone Numbers
(941) 286-0803 and 11 others on file
Email
mellocritter@aol.com and 4 others on file
Possible Relatives
Angela Cronincogan, Angela Cronin Cronin, Angela Cogan, Cacioppo Cogan, Holly I Cogan and 17 more
Career
SVP Of Real Estate
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
3 linked โ€” 2004 Toyota Camry Solara, 2008 Ford Escape and 1 more
Contributions
$455 total โ€” Biden, Joe, Walker, Scott (g)
PPP Loans
$83,974 for Art Of Anesthesia PLLC, Roads And Kingdoms Media 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 Stephen Cogan. Because public records are indexed by name rather than by a unique identifier, the 75 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 Stephen Cogan

Search Complexity: High

75 public records across 13states, belonging to approximately 22 different individuals. With 22 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: New York (16%), followed by Kentucky and Ohio. Spans the South and Northeast regions.

NY12recordsKY9recordsOH6recordsFL4recordsVA4recordsCA3records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (42%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (15) and Voter Registration Records (5).

27
Contact & Address Records
15
Political Contribution Records
5
Voter Registration Records
4
Corporate Records
4
PPP Loan Records
3
Property Ownership Records

Age Distribution

Age range: approximately 41 years, suggesting multiple generations. Largest group: Senior (65+) (50%).

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

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

Frequently Asked Questions About Stephen Cogan

Is Stephen Cogan a registered voter?
Yes, voter registration records show Stephen Cogan is registered in North Carolina with DEM affiliation. We found 5 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Stephen Cogan own property?
County assessor records show 3 properties associated with Stephen Cogan . 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 Stephen Cogan?
Records show 3 vehicle registrations associated with Stephen Cogan, including a 2004 TOYOTA CAMRY SOLARA. Registered makes include Toyota, Ford, Hyundai. 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 Stephen Cogan?
We found 2 business affiliations for Stephen Cogan (SVP Of Real Estate). Business records are compiled from state registries, SEC filings, and professional databases.
Has Stephen Cogan made political donations?
FEC disclosure records show 15 reported political contributions from Stephen Cogan, totaling $455. Recipients include Biden, Joe and Walker, Scott (g). Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Stephen Cogan?
Our database contains 75 total records for Stephen Cogan spanning 13 states. This includes 22 distinct contact records, 14 with phone numbers, 3 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 Stephen Cogan?
The 75 records displayed for Stephen Cogan 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 Stephen Cogan 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.