Therese Kovach

Age 69 b. 1956-08-31
๐Ÿ“ Apt 152, 4160 N Valentine Ave, Fresno Ca
๐Ÿ“ž (559) 400-3286, (559) 400-3286, (714) 726-7957, (714) 860-9933, (111) 111-0002
โœ‰๏ธ THERESEKOVACH1@GMAIL.COM, theresekovach1@gmail.com, kovach_therese@yahoo.com, jtmarino714@gmail.com

Therese Kovach from Gloucester, MA

Age 64
๐Ÿ“ 14 Dodge St #3, Gloucester, MA 01930
๐Ÿ“ž (978) 283-9352, (978) 886-5335

Therese Kovach from Placentia, CA

Age 65
๐Ÿ“ 213 Backs Ln, Placentia, CA 92870
๐Ÿ“ž (714) 860-9933

Therese Kovach from Fullerton, CA

Female
๐Ÿ“ 215 E Orangethorpe Ave # 240
๐Ÿ“ž (714) 470-6782 (SPRINT)

Therese Kovach from Cleveland, OH

Age 76 b. 1950 Female
๐Ÿ“ 6824 Ackley Rd
๐Ÿ“ž (440) 888-3822

Therese Kovach from Victorville, CA

Age 69 b. Aug 1956 San Bernardino Co.
๐Ÿ“ 15367 Bonanza Rd D

Therese Kovach from Lakewood, CO

Age 73 b. Sep 1952 Jefferson Co.
๐Ÿ“ 1759 S Lee St

Therese Kovach from Lakewood, CO

Age 63
๐Ÿ“ 1759 Lee St, Lakewood, CO 80232

Therese Kovach from Placentia, CA

Age 70 b. 1956 Female
๐Ÿ“ 213 Backs Ln Apt B

Therese Kovach from Cleveland, OH

Cuyahoga Co.
๐Ÿ“ 5500 Laurent Dr

Therese Kovach from West Newton, MA

Middlesex Co.
๐Ÿ“ 57 Noble St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 11 contact records for Therese Kovach across 4 states. The most recent address on file is in Placentia, California. Of these records, 5 include phone numbers and 1 include email addresses. Ages range from 63 to 65, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Kovach Therese M And Parcel Randy L

Adams County
· 10780 Zuni Dr, West-Adams

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

Therese M Kovach

Republican Reg: 10/01/1982
606 1st St, Oakdale, PA, 15071
DOB: 04/04/1952 Gender: Female

Therese Kovach

UAF
10780zuni Dr, Westminster, CO, 80234
DOB: 1951 Gender: Female Ph: 303-466-2407
County: Adams

Therese M Kovach

606 1st St
DOB: 04/04/1952 Gender: Female

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 3 voter registration records were found for Therese Kovach in Pennsylvania, Colorado. Records show affiliations with R, UAF, 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.

1997 DODGE STRATUS
ยท Registered to: Therese Kovach
ยท VIN: 1B3EJ46C2VN528677
·
10780 Zuni Dr, Denver, CO, 80234
·
(303) 466-2407

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 1 vehicle registration record is associated with Therese Kovach. Registered makes include Dodge. The most recent model year on record is 1997. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Therese Kovach

Patient Access Training & De ยท Anaheim, California

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 2 business affiliations were found for Therese Kovach. Records are compiled from state business registries, SEC filings, and professional networking databases.

Augmentative Communication Services LLC

Addr: Highlands Ranch, CO
Registered Agent: Therese Martischang Kovach

Source: Public Records Therese Kovach appears in 1 corporate filing from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Therese Kovach

CP
CLINICAL PSYCHOLOGIST
Individual Female
NPI: 1114053162
School: OTHER (1991)

Source: CMS NPI Registry (NPPES) ยท State Medical Boards ยท Healthcare Provider Databases 1 healthcare provider record found for Therese Kovach in the CMS National Provider Identifier registry. NPI registration is required for providers billing Medicare or Medicaid. Listing here does not constitute an endorsement of care quality.

therese M kovach

Active
License # 357
Addr: Denver, CO

Therese Kovach

Slp
Active
Addr: Denver, CO

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Therese Kovach 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.

Therese Kovach

Lourdes Academy - Cleveland, OH, OH
1968

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Therese Kovach 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.

$10 Feb 2, 2010
2010 DEM
Polis, Jared
Kovach, Therese Counselor @ Self Gloucester, MA
$39 Sep 5, 2015
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$32 Mar 8, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$27 Dec 19, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$5 Apr 27, 2016
2016 DEM
Actblue
Kovach, Therese Counselor @ Self Beverly, MA
$27 Nov 5, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$27 Jul 30, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$10 Feb 22, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Employed Beverly, MA
$15 Jan 5, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$50 Apr 27, 2016
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$25 Jan 12, 2016
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$25 Jan 31, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$25 May 12, 2016
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$27 Jan 14, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$20 Jul 1, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$27 Nov 13, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$3 Jan 14, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$25 Feb 12, 2016
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$25 Dec 13, 2015
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$10 Aug 10, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$14 Oct 26, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$100 Nov 16, 2015
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$27 Aug 25, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$5 Dec 4, 2010
2012
Actblue
Kovach, Therese Counselor @ Self Gloucester, MA
$100 Mar 21, 2016
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$25 Jun 12, 2016
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$25 Mar 12, 2016
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$10 Feb 7, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Employed Beverly, MA
$25 Mar 12, 2016
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$27 Feb 22, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Employed Beverly, MA
$100 Sep 3, 2015
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$10 Dec 31, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$27 Jul 30, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$3 Jan 26, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$27 Jul 30, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$25 May 12, 2016
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$100 Mar 21, 2016
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$25 Dec 4, 2010
2012
Progressive Change Campaign Committee
Kovach, Therese Counselor @ Self Gloucester, MA
$8 Jun 9, 2020
2020 DEM
Lopez, Samelys
Kovach, Therese Counselor @ Self Gloucester, MA
$20 Jun 27, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counseelor @ Self Gloucester, MA
$32 Mar 4, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Employed Beverly, MA
$27 Oct 16, 2019
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$10 Feb 7, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Employed Beverly, MA
$10 Feb 5, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Employed Beverly, MA
$3 Jan 16, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$25 Nov 10, 2009
2010
Actblue
Kovach, Therese Counselor @ Self Gloucester, MA
$25 Dec 12, 2015
2016 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$15 Mar 10, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Beverly, MA
$3 Jan 16, 2020
2020 DEM
Sanders, Bernard
Kovach, Therese Counselor @ Self Gloucester, MA
$3 Feb 2, 2010
2010
Actblue
Kovach, Therese Counselor @ Self Gloucester, MA
$1,500 Aug 20, 2002
DEM
Salazar, Ken
Contributor Denver, CO
$27 Oct 16, 2019
Unknown Committee
Kovach, Therese Counselor @ Self Beverly, MA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 52 political contribution records found for Therese Kovach. Total disclosed contributions amount to $2,835. Recipients include Salazar, Ken. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Therese Kovach

Age 67 Female
·
29 Old Salem Rd, Gloucester, MA 01930 (Essex County)
42.6052, -70.6830
TZ: Eastern
Homeowner Single Family Built 1900 Purchased 2015
MP

Therese M Kovach

Age 65 Female
·
606 1st St, Oakdale, PA 15071 (Allegheny County)
40.4013, -80.1820
· (724) 693-9017
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1968 Purchased 1990
MP

Therese Kovach

Age 66 Female
·
10780 Zuni Dr, Denver, CO 80234 (Adams County)
39.8909, -105.0160
· (303) 466-2407
TZ: Mountain
Homeowner Single Family Built 1999 Purchased 2000
MP

Therese M Kovach

Age 67 Female
·
6824 Ackley Rd, Cleveland, OH 44129 (Cuyahoga County)
41.3932, -81.7324
· (440) 888-3822
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family Built 1930 Purchased 1983
MP

Therese Kovach

Female
·
12 Via Visione, Henderson, NV 89011 (Clark County)
36.1146, -114.9300
TZ: Pacific
Multi-Family
MP

Therese Kovach

Female
·
15 Fossa Ter, Beverly, MA 01915 (Essex County)
42.5430, -70.8806
TZ: Eastern
Multi-Family
MP

Therese Kovach

Age 61 Female
·
213 Backs Ln, Placentia, CA 92870 (Orange County)
33.8696, -117.8680
Marital: Inferred Single TZ: Pacific
Occ: White Collar Edu: High School
Multi-Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with Therese Kovach. 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 Therese Kovach. These loans were issued to businesses, not individuals.

Joy Rund

Sole Proprietorship

$38,312 Paid in Full
Address:
606 1st St
Benicia, CA94510-3212
Approved

Mar 24, 2021

Forgiven

$38,532

Jobs Reported

23

Loan #

7868218600

Loan Size

Small

Benicia Fitness

Sole Proprietorship

$11,537 Paid in Full
Address:
606 1st St
Benicia, CA94510-3212
Approved

Apr 30, 2020

Forgiven

$11,644

Jobs Reported

23

Loan #

5555397307

Loan Size

Small

Hair Works Salon INC

Subchapter S Corporation

$22,757 Paid in Full
Address:
2 S Main St Ste 104
Uxbridge, MA01569-1870
Approved

Mar 26, 2021

Forgiven

$22,970

Jobs Reported

3

Loan #

9795938601

Loan Size

Small

Hair Works Salon INC

Subchapter S Corporation

$26,600 Paid in Full
Address:
2 S Main St Unit 104
Uxbridge, MA01569-1870
Approved

Apr 28, 2020

Forgiven

$26,822

Jobs Reported

5

Loan #

7346537206

Loan Size

Small

Jeanne Brawner Insurance LLC

Limited Liability Company(LLC

$9,610 Paid in Full
Address:
606 1st St
Glasgow, MO65254-1008
Approved

Feb 9, 2021

Forgiven

$9,643

Jobs Reported

1

Loan #

5691808409

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 5 PPP loan records are linked to businesses associated with Therese Kovach. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Therese Kovach on the map

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Therese Kovach in Fresno, CA: Background Summary

Location
Apt 152, 4160 N Valentine Ave, Fresno Ca, Fresno, CA
Other Locations
Placentia, CA ยท Fullerton, CA ยท Cleveland, OH and 3 more
Profiles Found
11 people with this name
Phone Numbers
(559) 400-3286 and 5 others on file
Email
theresekovach1@gmail.com and 2 others on file
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
1 linked โ€” 1997 Dodge Stratus
Contributions
$2,834.84 total โ€” Salazar, Ken
Healthcare
Licensed provider โ€” CLINICAL PSYCHOLOGIST
Licenses
2 professional licenses (SLP)
PPP Loans
$109K for Joy Rund, Benicia Fitness

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 Therese Kovach. Because public records are indexed by name rather than by a unique identifier, the 95 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.

Healthcare Provider Data

Healthcare provider information is sourced from the National Plan and Provider Enumeration System (NPPES), a registry managed by the Centers for Medicare and Medicaid Services (CMS). Every healthcare provider that bills Medicare or Medicaid is required to obtain a National Provider Identifier (NPI), so the presence of an NPI listing confirms that the individual holds recognized healthcare credentials. The specialty, practice address, and taxonomy codes reflect the provider's own attestation at the time of registration or most recent update. An NPI listing does not constitute an endorsement of care quality, nor does it indicate whether the provider is currently accepting new patients.

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 Therese Kovach

Search Complexity: High

95 public records across 6states, belonging to approximately 11 different individuals. With 11 distinct profiles across 6 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 6 states. Highest concentration: California (9%), followed by Colorado and Massachusetts. Spans the West and Northeast regions.

CA9recordsCO8recordsMA7recordsOH4recordsPA2recordsNV1record

Record Type Breakdown

Data spans 10 record categories. Largest: Political Contribution Records (60%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (19) and PPP Loan Records (5).

52
Political Contribution Records
19
Contact & Address Records
5
PPP Loan Records
3
Voter Registration Records
2
Business & Corporate Filings
2
Professional License Records

Age Distribution

Age range: approximately 11 years. Largest group: Senior (65+) (60%).

Senior (65+)3peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Therese Kovach

Is Therese Kovach a registered voter?
Yes, voter registration records show Therese Kovach is registered in Pennsylvania with R affiliation. 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 Therese Kovach own property?
County assessor records show 1 property associated with Therese Kovach . 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 Therese Kovach?
Records show 1 vehicle registration associated with Therese Kovach, including a 1997 DODGE STRATUS. 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 Therese Kovach?
We found 2 business affiliations for Therese Kovach. Business records are compiled from state registries, SEC filings, and professional databases.
Is Therese Kovach a healthcare provider?
Yes, the CMS National Provider Identifier registry lists Therese Kovach as a registered healthcare provider (NPI: 1114053162). NPI registration is required for all providers billing Medicare or Medicaid. This listing confirms enrollment in the federal healthcare system but does not indicate quality of care.
Has Therese Kovach made political donations?
FEC disclosure records show 52 reported political contributions from Therese Kovach, totaling $2,835. Recipients include Salazar, Ken. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Therese Kovach?
Our database contains 95 total records for Therese Kovach spanning 6 states. This includes 11 distinct contact records, 5 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 Therese Kovach?
The 95 records displayed for Therese Kovach 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 Therese Kovach 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.