Thomas Zuppa from Buffalo, NY

Age 65
๐Ÿ“ 2347 Niagara St, Buffalo, NY 14207
๐Ÿ“ž (702) 837-5258, (702) 837-5258, (716) 875-8562, (716) 876-8645, (716) 877-1240, (702) 813-0789, (702) 897-9306
โœ‰๏ธ xtzharley@aol.com, xtzharley@cox.net
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Shelley M Zuppa,Anthony W Zuppa,Beatrice A Zuppa,Tom Zuppa,David Zuppa

Thomas Zuppa from Lecanto, FL

Age 60
๐Ÿ“ 122 Po Box, Lecanto, FL 34460
๐Ÿ“ž (732) 661-1766, (352) 746-0141, (732) 661-1766, (732) 738-1438, (908) 324-0873, (908) 442-2115
โœ‰๏ธ ztuppa@aol.com
๐Ÿช A Plus Technologies Llc, A Plus Home And Business Technologies Llc

Thomas Zuppa from Buffalo, NY

Age 51
๐Ÿ“ 110 Schutrum St, Buffalo, NY 14212
๐Ÿ“ž (716) 895-4932, (716) 895-1912, (716) 895-4932, (716) 896-9853
โœ‰๏ธ appuz@aol.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Tammy A Zuppa,Tammy A Zoppa

Thomas Zuppa from Eustis, FL

Age 53 b. Apr 1972 Lake Co.
๐Ÿ“ Po Box 21
๐Ÿ“ž (352) 483-2297, (352) 746-0141, (405) 310-3008
๐Ÿ‘ค aka Thomas Quppa

Thomas Zuppa from Eustis, FL

Age 42
๐Ÿ“ 425 Prescott St, Eustis, FL 32726
๐Ÿ“ž (352) 483-2297, (352) 483-2297, (352) 598-3621, (352) 735-6287, (732) 738-6314, (352) 347-1758, (732) 661-1766
๐Ÿช A Plus Home And Business Technologies Limited Liab

Thomas Zuppa from North Billerica, MA

Age 57
๐Ÿ“ 90 Parlmont Park, North Billerica, MA 01862
๐Ÿ“ž (978) 663-7883, (978) 663-7883, (978) 663-3996
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Debra D Zuppa,Debra D Zuppa

Thomas Zuppa from Buffalo, NY

Age 42 b. Dec 1983 Erie Co.
๐Ÿ“ 104 Quincy St
๐Ÿ“ž (716) 895-1912

Thomas Zuppa from Watertown, MA

Age 57
๐Ÿ“ 31 Charles St, Watertown, MA 02472
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Susan J Eckstrom,Ellena V Zuppa,Ronald J Zappa

Thomas Zuppa from Buffalo, NY

Age 77 b. Feb 1949 Erie Co.
๐Ÿ“ 2347 Niagara St
๐Ÿ“ž (847) 886-7031

Thomas Zuppa from Las Vegas, NV

Age 77 b. Feb 1949 Clark Co.
๐Ÿ“ 7049 Morales Cir
๐Ÿ“ž (509) 892-1797

Thomas Zuppa from Haverhill, MA

Male
๐Ÿ“ 10 School Sq
๐Ÿ“ž (978) 360-5505 (SPRINT)

Thomas Zuppa from Gardner, MA

Age 46 b. 1980 Male
๐Ÿ“ 15 Otter River Rd
๐Ÿ“ž (978) 360-5505

Thomas Zuppa from N Billerica, MA

Age 68 b. Jan 1958 Middlesex Co.
๐Ÿ“ 156 Parlmont Park

Thomas Zuppa from Bedminster, NJ

Age 70 b. Aug 1955 Somerset Co.
๐Ÿ“ 199 Reed Ln

Thomas Zuppa from Eustis, FL

Lake Co.
๐Ÿ“ 425 Sprescott
๐Ÿ“ž (573) 204-8069

Thomas Zuppa from Fords, NJ

Middlesex Co.
๐Ÿ“ 317 New Brunswick Ave 1

Thomas Zuppa from Gardner, MA

๐Ÿ“ 36 Ridgewood Ln 14

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 17 contact records for Thomas Zuppa across 5 states. The most recent address on file is in Eustis, Florida. Of these records, 12 include phone numbers and 3 include email addresses. Ages range from 42 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.

Zuppa Thomas Sr

Citrus County
· 2901 N Folkestone Loop, Inverness 34442.0
Assessed: $15,420 ยท Sale: $100 (2017/01/01)

Zuppa, Thomas N & Colleen A

Residential Somerset County
· 199 Reed Lane, 07921

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

Thomas N Zuppa

Democrat
94 River St 2, Hoboken, 07030
DOB: 4/3/1987
County: Hudson

Thomas Joseph Zuppa

NF Reg: 06/30/2016
145 Sherfield Ct, Elizabethtown, PA, 17022
DOB: 07/09/1987

Thomas Anthony Zuppa

9168 Black Slate St, Las Vegas, NV, 89123
County: Clark

Thomas L Zuppa

BLK
104 Quincy St, 1, 14212
DOB: 19630125 Gender: Male

Thomas L Zuppa

Democrat
27 Central Ave, 1, 14206
DOB: 19831223 Gender: Male

Thomas Joseph Zuppa

145 Sherfield Ct
DOB: 07/09/1987

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 6 voter registration records were found for Thomas Zuppa in Pennsylvania, Nevada. Records show affiliations with D, NF, BLK, DEM, 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.

2011 TOYOTA COROLLA
ยท Registered to: Thomas Zuppa
ยท VIN: 2T1BU4EE8BC737559
·
90 Parlmont Park, North Billerica, MA, 01862-2744
·
(978) 663-7883
2004 DODGE NEON 4DR SEDAN
ยท Registered to: Thomas Zuppa
ยท VIN: 1B3AS66S34D596182
·
9168 Black Slate St, Las Vegas, NV, 89123
2000 CADILLAC DEVILLE 4DR SEDAN
ยท Registered to: Thomas Zuppa
ยท VIN: 1G6KD54Y3YU194928
·
9168 Black Slate St, Las Vegas, NV, 89123
ยท Registered to: Thomas Zuppa
·
9168 Black Slate St, Las Vegas, NV, 89123
1998 NISSAN ALTIMA
ยท Registered to: Thomas Zuppa
·
26 Jefferson Blvd, Edison, NJ, 08817

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 5 vehicle registration records are associated with Thomas Zuppa. Registered makes include Toyota, Dodge, Cadillac, N and others. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Alliance Community Health Center INC

Thomas ZuppaTrustee
Jersey City, NJ

Thomas Zuppa

Shipping And Logistics Specialist
Digital Entertainment
Nevada

Thomas Zuppa, Jr.

Greater New York City Area

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 5 business affiliations were found for Thomas Zuppa. Roles listed include Trustee. Records are compiled from state business registries, SEC filings, and professional networking databases.

thomas NICHOLAS zuppa JR.

Currently registered
School: Seton Hall University School of Law (2013)
Co:
Chasan Lamparello Mallon & Cappuzzo, PC
Addr: Secaucus, NJ

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Thomas Zuppa 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.

Thomas Zuppa

Kensington/West Smith County High School - Kensington, KS, KS
1968

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Thomas Zuppa 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.

$100 Feb 19, 2018
2018 DEM
Booker, Cory A
Zuppa, Thomas Lawyer @ Chasan Lamparello Mallon & Cappuzzo, P Jersey City, NJ
$250 Mar 25, 2024
2024 DEM
Menendez, Robert J.
Zuppa, Thomas N Jersey City, NJ
$35 Jun 28, 2018
2018 DEM
Malinowski, Tom
Zuppa, Thomas Lawyer @ Chasan Lamparello Mallon & Cappuzzo, P Jersey City, NJ
$35 Jun 28, 2018
DEM
Malinowski, Tom
Contributor Lawyer @ Chasan Lamparello Mallon & Cappuzzo, P Jersey City, NJ
$100 Apr 13, 2019
Unknown Committee
Zuppa, Thomas Attorney @ Chasan Lamparello Jersey City, NJ

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 5 political contribution records found for Thomas Zuppa. Total disclosed contributions amount to $520. Recipients include Malinowski, Tom. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Thomas C Zuppa

Age 60 Male
·
90 Parlmont Park, N Billerica, MA 01862 (Middlesex County)
42.5745, -71.2762
· (978) 455-0348
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family
MP

Thomas A Zuppa

Age 68 Male
·
7770 La Cienega St, Las Vegas, NV 89123 (Clark County)
36.0488, -115.1610
Marital: Single TZ: Pacific
Edu: Graduate School
Single Family
MP

Thomas E Zuppa

Age 69 Male
·
PO Box 122, Lecanto, FL 34460 (Citrus County)
28.8509, -82.4874
Marital: Married TZ: Eastern
Homeowner Multi-Family
MP

Thomas Zuppa

Age 36 Male
·
15 Otter River Rd, Gardner, MA 01440 (Worcester County)
42.6021, -72.0309
TZ: Eastern
Edu: High School
Single Family
MP

Thomas J Zuppa

Age 30 Male
·
145 Sherfield Ct, Elizabethtown, PA 17022 (Lancaster County)
40.1647, -76.5855
· (978) 930-9988
Marital: Inferred Single TZ: Eastern
Single Family
MP

Thomas Zuppa

Male
·
2347 Niagara St, Buffalo, NY 14207 (Erie County)
42.9486, -78.9083
TZ: Eastern
Homeowner Single Family Built 1900

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 6 demographic profiles associated with Thomas Zuppa. 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 Thomas Zuppa. These loans were issued to businesses, not individuals.

Wendcentral CORP

Corporation

$526,185 Paid in Full
Address:
27 Central Ave
Cortland, NY13045-2611
Approved

Jun 15, 2021

Forgiven

$528,059

Jobs Reported

34

Loan #

1019569104

Loan Size

Medium

Chestnut Dental Associates PC

Corporation

$1,817,722 Paid in Full
Address:
87 Chestnut St
Needham, MA02492-2578
Approved

Jan 22, 2021

Forgiven

$1,825,851

Jobs Reported

150

Loan #

3623508303

Loan Size

Medium-Large

Southwest P2 LP

Limited Liability Partnership

$86,264 Paid in Full
Address:
27 Central Ave
Cortland, NY13045-2611
Approved

Mar 12, 2021

Forgiven

$86,692

Jobs Reported

142

Loan #

9554768510

Loan Size

Small

Corelife Eatery LLC

Limited Liability Company(LLC

$1,690,700 Paid in Full
Address:
27 Central Ave
Cortland, NY13045
Approved

Apr 14, 2020

Forgiven

$1,710,710

Jobs Reported

329

Loan #

5728367101

Loan Size

Medium-Large

Wendcharles Ii LLC

Limited Liability Company(LLC

$985,342 Paid in Full
Address:
27 Central Ave
Cortland, NY13045-2611
Approved

Apr 10, 2020

Forgiven

$991,686

Jobs Reported

187

Loan #

1690747103

Loan Size

Medium

Southwest Delaware LLC

Limited Liability Company(LLC

$228,277 Paid in Full
Address:
27 Central Ave
Cortland, NY13045-2611
Approved

Mar 12, 2021

Forgiven

$229,422

Jobs Reported

142

Loan #

9154858503

Loan Size

Medium

Corelife Of Illinois LLC

Limited Liability Company(LLC

$532,059 Paid in Full
Address:
27 Central Ave
Cortland, NY13045-2611
Approved

Mar 23, 2021

Forgiven

$534,770

Jobs Reported

60

Loan #

6486978605

Loan Size

Medium

Corelife Of Albany LLC

Limited Liability Company(LLC

$436,067 Paid in Full
Address:
27 Central Ave
Cortland, NY13045-2611
Approved

Mar 26, 2021

Forgiven

$438,325

Jobs Reported

116

Loan #

9910188608

Loan Size

Medium

Kelar Partners LLC

Limited Liability Company(LLC

$403,459 Paid in Full
Address:
27 Central Ave
Cortland, NY13045-2611
Approved

Mar 12, 2021

Forgiven

$405,482

Jobs Reported

142

Loan #

9502198503

Loan Size

Medium

Corelife Of The Midwest LLC

Limited Liability Company(LLC

$136,700 Paid in Full
Address:
27 Central Ave
Cortland, NY13045
Approved

Apr 12, 2020

Forgiven

$138,194

Jobs Reported

38

Loan #

3846737107

Loan Size

Small

Corelife Of The Midwest LLC

Limited Liability Company(LLC

$198,924 Paid in Full
Address:
27 Central Ave
Cortland, NY13045-2611
Approved

Mar 23, 2021

Forgiven

$199,856

Jobs Reported

35

Loan #

6947508608

Loan Size

Medium

Southwest P5 LP

Limited Liability Partnership

$73,783 Paid in Full
Address:
27 Central Ave
Cortland, NY13045-2611
Approved

Mar 12, 2021

Forgiven

$74,149

Jobs Reported

142

Loan #

9241228500

Loan Size

Small

Wendelk, CORP

Subchapter S Corporation

$632,632 Paid in Full
Address:
27 Central Ave
Cortland, NY13045
Approved

May 1, 2020

Forgiven

$639,607

Jobs Reported

112

Loan #

2245167701

Loan Size

Medium

Corelife Of Ithaca, LLC

Limited Liability Company(LLC

$77,500 Paid in Full
Address:
27 Central Ave
Cortland, NY13045
Approved

Apr 29, 2020

Forgiven

$77,507

Jobs Reported

16

Loan #

2342557310

Loan Size

Small

Corelife Eatery LLC.

Limited Liability Company(LLC

$2,000,000 Paid in Full
Address:
27 Central Ave
Cortland, NY13045-2611
Approved

Mar 26, 2021

Forgiven

$2,010,795

Jobs Reported

286

Loan #

9523988601

Loan Size

Medium-Large

Corelife Of Illinois, LLC

Limited Liability Company(LLC

$372,900 Paid in Full
Address:
27 Central Ave
Cortland, NY13045
Approved

Apr 12, 2020

Forgiven

$377,130

Jobs Reported

115

Loan #

3844927101

Loan Size

Medium

Chestnut Dental Associates, P.c.

Corporation

$1,833,365 Paid in Full
Address:
87 Chestnut St
Needham, MA02492-2578
Approved

Apr 28, 2020

Forgiven

$1,835,318

Jobs Reported

155

Loan #

1412147307

Loan Size

Medium-Large

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 17 PPP loan records are linked to businesses associated with Thomas Zuppa. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Thomas Zuppa on the map

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Thomas Zuppa in Eustis, FL: Background Summary

Location
PO Box 21, Eustis, FL 32727
Other Locations
Buffalo, NY ยท Las Vegas, NV ยท Haverhill, MA and 4 more
Profiles Found
17 people with this name
Phone Numbers
(702) 837-5258 and 11 others on file
Email
xtzharley@aol.com and 3 others on file
Possible Relatives
Shelley M Zuppa, Anthony W Zuppa, Beatrice A Zuppa, Tom Zuppa, David Zuppa and 19 more
Career
Trustee
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
5 linked โ€” 2011 Toyota Corolla, 2004 Dodge Neon and 3 more
Contributions
$520 total โ€” Malinowski, Tom
PPP Loans
$12032K for Wendcentral CORP, Chestnut Dental Associates PC

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 Thomas Zuppa. 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 Thomas Zuppa

Search Complexity: High

75 public records across 7states, belonging to approximately 17 different individuals. With 17 distinct profiles across 7 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 7 states. Highest concentration: Massachusetts (17%), followed by New Jersey and Florida. Spans the Northeast and South regions.

MA13recordsNJ10recordsFL7recordsNY6recordsNV3recordsPA2records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (40%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (17) and Voter Registration Records (6).

27
Contact & Address Records
17
PPP Loan Records
6
Voter Registration Records
5
Vehicle Registration Records
5
Business & Corporate Filings
5
Political Contribution Records

Age Distribution

Age range: approximately 35 years, suggesting multiple generations. Largest group: Senior (65+) (40%).

Senior (65+)4peopleMiddle-Age (40-64)6people

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

Frequently Asked Questions About Thomas Zuppa

Is Thomas Zuppa a registered voter?
Yes, voter registration records show Thomas Zuppa is registered with D affiliation. We found 6 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Thomas Zuppa own property?
County assessor records show 2 properties associated with Thomas Zuppa . 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 Thomas Zuppa?
Records show 5 vehicle registrations associated with Thomas Zuppa, including a 2011 TOYOTA COROLLA. Registered makes include Toyota, Dodge, Cadillac, N. 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 Thomas Zuppa?
We found 5 business affiliations for Thomas Zuppa (TRUSTEE). Business records are compiled from state registries, SEC filings, and professional databases.
Has Thomas Zuppa made political donations?
FEC disclosure records show 5 reported political contributions from Thomas Zuppa, totaling $520. Recipients include Malinowski, Tom. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Thomas Zuppa?
Our database contains 75 total records for Thomas Zuppa spanning 7 states. This includes 17 distinct contact records, 12 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 Thomas Zuppa?
The 75 records displayed for Thomas Zuppa 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 Thomas Zuppa 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.