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Stephen Czech from Keller, TX

Age 45
📍 9904 Chadbourne Rd, Keller, TX 76248
📞 (817) 337-2741, (817) 337-2741, (817) 847-7781, (310) 782-8023, (817) 685-4028, (602) 297-1329
✉️ rat_4@msn.com
👨‍👩‍👧 Relatives: Steve R Czech,Richard Leo Czech,Rosann Cheryl Shulemson,Jean M Czech,Karen Lorraine Czech,Theresa Ann Heliotes,Alice Mary Balkowczech,Jennifer Gail Bachman,Rosane Czech

Stephen Czech from Richmond, VA

Age 45
📍 1621 Cary St, Richmond, VA 23220
📞 (804) 323-5151, (804) 353-1593, (804) 934-9675, (518) 370-0508
👨‍👩‍👧 Relatives: Stephen Czech,Angeline Czech,Katina M Czech,Patricia A Czech,Katina M Czech

Stephen Czech from Richmond, VA

Age 46
📍 2149 Waters Mill Pt, Richmond, VA 23235
📞 (804) 323-5151
👨‍👩‍👧 Relatives: Katina M Czech,Stephen Czech,Albert L Czech

Stephen Czech from New Canaan, CT

Male
📍 927 Silvermine Rd
📞 (917) 208-1325 (AT&T MOBILITY), (203) 286-9999

Stephen Czech from Wilmington, DE

Age 53 b. Jun 1972 New Castle Co.
📍 1816 Saint Elizabeth St
📞 (302) 622-8558

Stephen Czech from Saint Paul, MN

Age 70 b. Jan 1956 Washington Co.
📍 6271 46th St N
📞 (651) 777-0635

Stephen Czech from Richmond, VA

Age 114 b. Sep 1911 Richmond City Co.
📍 2701 E Main St Apt 502
📞 (559) 359-4244

Stephen Czech from Green Bay, WI

Age 61 b. Jun 1964 Brown Co.
📍 1225 Hickory Hill Dr
📞 (920) 499-5676

Stephen Czech from Calabasas, CA

Age 63 b. Mar 1963 Los Angeles Co.
📍 24781 Del Rancho Pso

Stephen Czech from Richmond, VA

Age 58 b. Feb 1968 Henrico Co.
📍 3220 Coppermill Trce O

Stephen Czech from Chicago, IL

Age 48 b. Mar 1978 Cook Co.
📍 4711 N Leavitt St

Stephen Czech from Elgin, IL

Age 67 b. Jun 1958 Kane Co.
📍 502 Thorndale Dr

Stephen Czech from Rolling Mdws, IL

Age 63 b. Dec 1962 Cook Co.
📍 2850 Golf Rd Unit 308

Stephen Czech from Fort Worth, TX

Age 57 b. Feb 1969 Tarrant Co.
📍 96 Pennsylvania Dr

Stephen Czech from Chicago, IL

Age 63 b. Mar 1963 Cook Co.
📍 200 W Madison St Fl 17
👤 aka Stephen J Czech

Stephen Czech from Saint Paul, MN

Age 43 b. Jul 1982
📍 6681 Stratford Alcove
👤 aka Steve J Czech, Stephen J Czech, Steve J Czech

Stephen Czech from Torrance, CA

Age 56 b. Sep 1969 Los Angeles Co.
📍 1233 Desford St
👤 aka Czech Stephen

Stephen Czech from Newport Coast, CA

Male
📍 52 Twilight Blf
📞 (949) 494-5205

Stephen Czech from Schenectady, NY

Schenectady Co.
📍 138 Giffords Church Rd Unit A

Stephen Czech from Schenectady, NY

Schenectady Co.
📍 1365 Van Antwerp Rd C 24

Stephen Czech from Hancock, MN

Stevens Co.
📍 33796 County Road 2

Stephen Czech from Schenectady, NY

Schenectady Co.
📍 Po Box 4505

Stephen Czech from Calabasas, CA

Los Angeles Co.
📍 24781 Paseo Del Rancho

Stephen Czech from Richmond, VA

Richmond City Co.
📍 2606 E Franklin St

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 24 contact records for Stephen Czech across 9 states. The most recent address on file is in New Canaan, Connecticut. Of these records, 9 include phone numbers and 1 include email addresses. Ages range from 45 to 46, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Czech, Stephen

Tarrant County
PIN: 27990B-D-22
· 12000 Jennings Way, TX
Built: 2006.0
Assessed: $0

Czech Stephen Sr & Pamela J

Washington County
· 6271 46th St N, Oakdale

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 2 property records linked to Stephen Czech in Oakdale. Values shown are from county assessor records and may differ from current market prices.

Stephen Czech

22 Austin Rd, Wilmington, 19810
DOB: 1972
County: N

Stephen P Czech

Reg: 30129975
4027 Chaucer Pl, 32, 12159
DOB: 19680201 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Stephen Czech. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2012 LEXUS RX 350
· Registered to: Stephen Czech
· VIN: 2T2BK1BA0CC122832
·
927 Silvermine Rd, New Canaan, CT, 06840-4339
·
(203) 966-5919
2007 SATURN VUE
· Registered to: Stephen Czech
· VIN: 5GZCZ53437S861653
·
6271 46th St N, Saint Paul, MN, 55128-2409
2004 FORD ECONOLINE VAN FULL SIZE VAN
· Registered to: Stephen Czech
· VIN: 1FTNE24L04HA60147
·
6271 46th St N, Saint Paul, MN, 55128
·
(952) 777-0635
2009 Chevrolet Malibu
· Registered to: Stephen Czech
· VIN: 1G1ZH57B59F179434
·
502 Thorndale Dr, Elgin, IL, 60120-8117
·
(773) 791-8776
1998 FORD F150 FULL SIZE TRUCK
· Registered to: Stephen Czech
· VIN: 1FTZX18W5WNA63883
·
6271 46th St N, Saint Paul, MN, 55128
·
(952) 777-0635
· Registered to: Stephen Czech
· VIN: CT905000630
·
6271 46th St N, Saint Paul, MN, 55128
·
(952) 777-0635
2007 TOYOTA TUNDRA FULL SIZE TRUCK
· Registered to: Stephen Czech
· VIN: 5TFRV54127X012418
·
9904 Chadbourne Rd, Fort Worth, TX, 76244
·
(817) 337-2741
2011 Honda Cr-V
· Registered to: Stephen Czech
· VIN: 5J6RE4H74BL086829
·
927 Silvermine Rd, New Canaan, CT, 06840-4339
·
(203) 966-5919
2014 Ford Escape Se
· Registered to: Stephen Czech
· VIN: 1FMCU0GX4EUC23416
·
3515 Arista Blvd, Texarkana, TX, 75503
2017 JEEP WRANGLER UNLIMI
· Registered to: Stephen Czech
· VIN: 1C4HJWEG1HL698430
·
6681 Stratford Alcove, Saint Paul, MN, 55125
·
(785) 213-0396
1992 FORD ESCORT HCHBK 4DR
· Registered to: Stephen Czech
· VIN: 1FAPP14J0NW107188
·
6271 46th St N, Saint Paul, MN, 55128
·
(952) 777-0635
· Registered to: Stephen Czech
· VIN: 1MDCT3S15KK388963
·
6271 46th St N, Saint Paul, MN, 55128
·
(952) 777-0635
1995 PONTIAC GRAND AM 4DR SEDAN
· Registered to: Stephen Czech
· VIN: 1G2NW55MXSC778681
·
6271 46th St N, Saint Paul, MN, 55128
·
(952) 777-0635
1997 FORD F150 PICKUP
· Registered to: Stephen Czech
· VIN: 1FTDX1722VKC88920
·
6271 46th St N, Saint Paul, MN, 55128
·
(952) 777-0635
2013 Chevrolet Traverse
· Registered to: Stephen Czech
· VIN: 1GNKVGKD9DJ244630
·
1225 Hickory Hill Dr, Green Bay, WI, 54304
·
(920) 499-5676
· Registered to: Stephen Czech
·
9904 Chadbourne Rd, Fort Worth, TX, 76244
·
(817) 337-2741

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 16 vehicle registration records are associated with Stephen Czech. Registered makes include Lexus, Saturn, Ford, Chevrolet 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.

Czech Asset Management

tbartolotta@czechamlp.com
Greenwich,

The Mikey Czech Foundation INC

Stephen CzechCo-Founder & Co-Chairman
New Canaan, CT

Stephen Czech

Chief Executive Officer
Phalanx Studios
Saint Paul, Minnesota, United States Media Production
LinkedIn

Stephen Czech

Delaware
LinkedIn

Suncoast Healthcare Pro

Stephen CzechExecutive Director
(302) 593-8474stephen.czech@netscape.net
1816 Saint Elizabeth St, Wilmington, DE19805
suncoasthealthcare.net

Contrarian Capital

Stephen CzechManaging Director
(203) 862-8200sczech@contrariancapital.com
Greenwich, CT

Stephen Czech

Greater Minneapolis-St. Paul Area

Stephen Czech

President of the general partner of the Issuer.
Old Greenwich, CT

Suncoast Healthcare Pro

Stephen CzechExecutive Director
(302) 593-8474stephen.czech@netscape.net
1816 Saint Elizabeth St, Wilmington, DE19805

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 15 business affiliations were found for Stephen Czech. Companies include Phalanx Studios, Contrarian Capital, Suncoast Healthcare Pro. Roles listed include Null and Co-Founder & Co-Chairman. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: AK
AK
Incorporator/Organizer: Stephen P. Czech

Stephen Czech

Stephen Czech

Unknown Corporation

Addr: 1700 East Putnam Avenue, Suite 207, Old Greenwich, CT, 06870
CT
Director: stephen J czech

Unknown Corporation

DIRECTOR: Stephen J. Czech

Stephen Czech

Stephen Czech

Hacienda Brides

Addr: 1700 East Putman Avenue Ste 207, Old Greenwich, CT, 06870
CT
Officer: Stephen Czech

Hacienda Brides

Addr: 1700 East Putman Avenue Ste 207, Old Greenwich, CT, 06870
CT
Officer: Stephen Czech

Alfred Angelo Newco, INC.

Addr: MA
MA
DIRECTOR: Stephen Czech

Alfred Angelo Newco, Inc.

ID: 0802015481
Addr: 1700 East Putnam Avenue, Suite 207, Old Greenwich, CT, 06870
CT
Director: Stephen J Czech

Source: Public Records Stephen Czech appears in 11 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Stephen Czech

Canyon Del Oro High School - Tucson, AZ, AZ
1987

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Stephen Czech 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.

$250 Feb 14, 2012
2012 REP
Shays, Christopher
Czech, Stephen J Hedge Fund Manager @ Czech Asset Management LP New Canaan, CT
$2,700 Jun 29, 2015
2016 REP
Bush, Jeb
Czech, Stephen J Hedge Fund Manager @ Czech Asset Management LP New Canaan, CT
$10 Sep 13, 2019
2020
Markle, Joshua K
Czech, Stephen Marketing @ Bank Of America Wilmington, DE
$10 Sep 13, 2019
2020
Actblue Texas
Czech, Stephen Marketing @ Bank Of America Wilmington, DE
$250 Jun 11, 2012
2012 DEM
Critz, Mark
Czech, Stephen J Hedge Funds Mgr @ Czech Assets Mgt LP New Canaan, CT
$2,500 Jan 25, 2012
2012 REP
Romney, Mitt
Czech, Stephen J Hedge Fund Manager @ Czech Asset Management LP New Canaan, CT
$10,000 May 22, 2012
2012 REP
Romney, Mitt / Ryan, Paul D.
Czech, Stephen J Hedge Fund Manager @ Czech Asset Management LP New Canaan, CT
$7,500 May 22, 2012
2012 REP
Republican National Committee
Czech, Stephen J Hedge Fund Manager @ Czech Asset Management LP New Canaan, CT
$2,500 May 22, 2012
2012 REP
Romney, Mitt
Czech, Stephen J Hedge Fund Manager @ Czech Asset Management LP New Canaan, CT
$2,700 Jun 29, 2015
REP
Bush, Jeb
Contributor Hedge Fund Manager @ Czech Asset Management LP New Canaan, CT
$2,700 Jun 29, 2015
Unknown Committee
Czech, Stephen J. Mr. Hedge Fund Manager @ Czech Asset Management LP New Canaan, CT
$10
2020
Markle, Joshua K
Contributor Marketing @ Bank Of America Wilmington, DE
$10 20190913
ActBlue Texas
Contributor Marketing @ Bank Of America Wilmington, DE

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 13 political contribution records found for Stephen Czech. Total disclosed contributions amount to $31,140. Recipients include Bush, Jeb, Markle, Joshua K, ActBlue Texas. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Stephen J Czech

Age 54 Male
·
927 Silvermine Rd, New Canaan, CT 06840 (Fairfield County)
41.1533, -73.4515
· (203) 918-6411
Marital: Married TZ: Eastern
Homeowner Single Family Built 2001 Purchased 2012
MP

Stephen M Czech

Age 60 Male
·
30319 County Road 18, Starbuck, MN 56381 (Pope County)
45.5853, -95.5430
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family
MP

Stephen Czech

Male
·
22 Austin Rd, Wilmington, DE 19810 (New Castle County)
39.8263, -75.5304
· (302) 622-8558
TZ: Eastern
Homeowner Single Family Built 1964 Purchased 2012
MP

Stephen Czech

Age 35 Male
·
6681 Stratford Alcove, Saint Paul, MN 55125 (Washington County)
44.9029, -92.9712
· (785) 213-0396
Marital: Married TZ: Central
Occ: Service Industry Edu: Graduate School
Homeowner Single Family Built 1979 Purchased 2009
MP

Stephen J Czech

Age 61 Male
·
502 Thorndale Dr, Elgin, IL 60120 (Kane County)
42.0274, -88.2429
· (773) 791-8776
Marital: Married TZ: Central
Occ: Professional Edu: High School
Homeowner Single Family Built 1980 Purchased 2005
MP

Stephen Czech

Male
·
5911 Richmond Rd, Texarkana, TX 75503 (Bowie County)
33.4614, -94.0728
TZ: Central
Multi-Family
MP

Stephen Czech

Age 53 Male
·
1265 Prairie Creek Blvd, Oconomowoc, WI 53066 (Waukesha County)
43.1054, -88.4792
· (920) 499-5676
Marital: Married TZ: Central
Occ: Service Industry
Multi-Family
MP

Stephen Czech

Age 61 Male
·
6271 46th St N, Saint Paul, MN 55128 (Washington County)
45.0148, -92.9796
· (952) 777-0635
TZ: Central
Homeowner Single Family Built 1977

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

Madison Square Park Conservancy INC

Non-Profit Organization

$471,902 Paid in Full
Address:
11 Madison Ave Fl 15
New York, NY10010-3643
Approved

Mar 26, 2021

Forgiven

$474,613

Jobs Reported

27

Loan #

1234298701

Loan Size

Medium

Source: SBA PPP Loan Data · CARES Act Public Disclosures 1 PPP loan record is linked to businesses associated with Stephen Czech. 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 Czech on the map

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Found 73 results across 12 states

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Stephen Czech in Keller, TX: Background Summary

Location
9904 Chadbourne Rd,Keller, TX 76248, Keller, TX
Other Locations
New Canaan, CT · Wilmington, DE · Saint Paul, MN and 11 more
Profiles Found
24 people with this name
Phone Numbers
(817) 337-2741 and 8 others on file
Email
rat_4@msn.com
Possible Relatives
Steve R Czech, Richard Leo Czech, Rosann Cheryl Shulemson, Jean M Czech, Karen Lorraine Czech and 9 more
Career
Co-Founder & Co-Chairman, Executive Director at Phalanx Studios, Contrarian Capital
Properties
2properties owned
Vehicles
16 linked — 2012 Lexus Rx 350, 2007 Saturn Vue and 14 more
Contributions
$31.1K total — Bush, Jeb, Markle, Joshua K
PPP Loans
$472K for Madison Square Park Conservancy 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 Stephen Czech. Because public records are indexed by name rather than by a unique identifier, the 103 results displayed here may include information belonging to multiple individuals who share the same name — 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 — 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 — some restrict access or redact certain fields such as date of birth or residential address — 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 — 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 Czech

Search Complexity: High

103 public records across 12states, belonging to approximately 24 different individuals. With 24 distinct profiles across 12 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 12 states. Highest concentration: Connecticut (14%), followed by Minnesota and New York. Spans the Northeast and Midwest regions.

CT14recordsMN14recordsNY9recordsDE8recordsTX7recordsIL7records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (36%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Vehicle Registration Records (16) and Business & Corporate Filings (15).

34
Contact & Address Records
16
Vehicle Registration Records
15
Business & Corporate Filings
13
Political Contribution Records
11
Corporate Records
2
Property Ownership Records

Age Distribution

Age range: approximately 71 years, suggesting multiple generations. Largest group: Senior (65+) (23%).

Senior (65+)3peopleMiddle-Age (40-64)10people

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

Frequently Asked Questions About Stephen Czech

Is Stephen Czech a registered voter?
Yes, voter registration records show Stephen Czech is registered. We found 2 voter registration entries across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Stephen Czech own property?
County assessor records show 2 properties associated with Stephen Czech . 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 Czech?
Records show 16 vehicle registrations associated with Stephen Czech, including a 2012 LEXUS RX 350. Registered makes include Lexus, Saturn, Ford, 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 Stephen Czech?
We found 15 business affiliations for Stephen Czech (null). Other companies include Contrarian Capital, Suncoast Healthcare Pro. Business records are compiled from state registries, SEC filings, and professional databases.
Has Stephen Czech made political donations?
FEC disclosure records show 13 reported political contributions from Stephen Czech, totaling $31,140. Recipients include Bush, Jeb and Markle, Joshua K and 1 others. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Stephen Czech?
Our database contains 103 total records for Stephen Czech spanning 12 states. This includes 24 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 Stephen Czech?
The 103 records displayed for Stephen Czech 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 Czech 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.