William Stgermain from N Attleboro, MA

Age 89
๐Ÿ“ 248 Hoppin Hill Ave, N Attleboro, MA 02760
๐Ÿ“ž (508) 695-5379, (508) 695-5379

William Stgermain from Columbus, NJ

Age 65
๐Ÿ“ 84 Juliustown Rd, Columbus, NJ 08022
๐Ÿ“ž (609) 267-3508

William Stgermain from Columbus, NJ

Age 76 b. 1950 Burlington Co.
๐Ÿ“ 84 Juliustown Rd
๐Ÿ“ž (609) 261-1476, (609) 267-3508

William Stgermain from Epsom, NH

0
๐Ÿ“ 18 Po Box, Epsom, NH 03234
๐Ÿ“ž (603) 485-7088
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Monica R Stgermain,Kraig W Stgermain

William Stgermain from Worcester, MA

Age 68
๐Ÿ“ 9 Rosemary St #1, Worcester, MA 01604
๐Ÿ“ž (508) 755-3259, (508) 757-0870, (508) 757-7387
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Rosemary M Stgermain,Angela M Stgermain

William Stgermain from Randolph, MA

Age 88 b. Oct 1937 Norfolk Co.
๐Ÿ“ 136 Allen St
๐Ÿ“ž (781) 963-7125

William Stgermain from Fountain, FL

๐Ÿ“ 11541 Harrington Rd
๐Ÿ“ž (850) 803-0021 (AT&T MOBILITY)
โœ‰๏ธ WILLIAM.STGERMAIN@YAHOO.COM

William Stgermain from Hanover, CT

Age 80 b. 1946 New London Co.
๐Ÿ“ Po Box 132
๐Ÿ“ž (860) 822-8648

William Stgermain from Enfield, CT

Age 54 b. 1972 Male
๐Ÿ“ 204 Gatewood Dr
๐Ÿ“ž (860) 478-7169 (Cell)

William Stgermain from Escondido, CA

San Diego Co.
๐Ÿ“ 900 Chestnut St
๐Ÿ“ž (760) 738-9384

William Stgermain from Boca Raton, FL

Palm Beach Co.
๐Ÿ“ 17776 Southwick Way
๐Ÿ“ž (847) 298-1684
๐Ÿ‘ค aka William J Germain, John William Germaine, William J Germaine

William Stgermain from New Orleans, LA

Age 98
๐Ÿ“ 1131 Atlantic Ave, New Orleans, LA 70114
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Thomas Stgermain

William Stgermain from Medford, MA

Age 75 b. 1951 Male
๐Ÿ“ 22 Greenhalge St
๐Ÿ“ž (781) 395-6879

William Stgermain from Fitchburg, MA

Age 89 b. Nov 1936
๐Ÿ“ 41 Fox St

William Stgermain from N Kingstown, RI

Age 72 b. Jun 1953 Washington Co.
๐Ÿ“ 865 Stony Ln

William Stgermain from Stafford Springs, CT

Age 64 b. 1962 Tolland Co.
๐Ÿ“ 5 Furnace Hollow Rd

William Stgermain from N Kingstown, RI

Age 73 b. May 1952 Washington Co.
๐Ÿ“ 81 Pendar Rd # 4

William Stgermain from Worcester, MA

Age 79 b. Apr 1946 Worcester Co.
๐Ÿ“ 90 Rosemary St

William Stgermain from Woodinville, WA

Age 61 b. Nov 1964 King Co.
๐Ÿ“ 19914 Ne 151st Pl

William Stgermain from Kirkland, WA

King Co.
๐Ÿ“ 12021 100th Ave Ne 3 B
๐Ÿ“ž (562) 856-8953

William Stgermain from Milton, FL

Santa Rosa Co.
๐Ÿ“ 825 College Dr

William Stgermain from Marcus Hook, PA

Delaware Co.
๐Ÿ“ 3501 W 10th St

William Stgermain from Harbor Springs, MI

Emmet Co.
๐Ÿ“ 636 Ann St

William Stgermain from Mission, TX

Hidalgo Co.
๐Ÿ“ 500 N Bryan Rd J

William Stgermain from Londonderry, NH

Rockingham Co.
๐Ÿ“ 174 Winterwood Dr

William Stgermain from Long Branch, NJ

Monmouth Co.
๐Ÿ“ 175 2nd Ave

William Stgermain from Goffstown, NH

๐Ÿ“ 502 Shirley Hill Rd

William Stgermain from Concord, NH

Merrimack Co.
๐Ÿ“ 70 Airport Rd

William Stgermain from Punta Gorda, FL

Charlotte Co.
๐Ÿ“ 1059 Harbour Wood Dr

William Stgermain from Essexville, MI

Bay Co.
๐Ÿ“ 1415 W Center Rd

William Stgermain from Orono, ME

๐Ÿ“ 2369 Essex St

William Stgermain from Cumberland, RI

๐Ÿ“ 156 Bear Hill Rd Apt 334

William Stgermain from Saint Augustine, FL

Saint Johns Co.
๐Ÿ“ 971 Alcala Dr

William Stgermain from Redmond, WA

King Co.
๐Ÿ“ 13344 Ne 80th St

William Stgermain from Petoskey, MI

๐Ÿ“ Petoskey, MI, 49770

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 37 contact records for William Stgermain across 13 states. The most recent address on file is in Columbus, New Jersey. Of these records, 15 include phone numbers and 3 include email addresses. Ages range from 65 to 98, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

William D Stgermain

Unaffiliated
84 Juliustown Rd, Columbus, 08022
DOB: 9/19/1948
County: Burlington

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 1 voter registration record was found for William Stgermain. Party affiliation is listed as U. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2010 Buick Lucerne
ยท Registered to: William Stgermain
ยท VIN: 1G4HJ5E11AU133290
·
180 Seaview Ct, Marco Island, FL, 34145-3316
·
(239) 642-7891
2002 HONDA CIVIC CAR BASIC ECONOMY
ยท Registered to: William Stgermain
ยท VIN: 2HGES26762H592990
·
942 Sierra Ct, Vista, CA, 92081
2007 TOYOTA YARIS
ยท Registered to: William Stgermain
ยท VIN: JTDBT923271016720
·
11541 Harrington Rd, Fountain, FL, 32438-2307
1994 NISSAN ALTIMA CAR UPPER MIDSIZE
ยท Registered to: William Stgermain
ยท VIN: 1N4BU31D3RC146362
·
942 Sierra Ct, Vista, CA, 92081
2007 HONDA ODYSSEY
ยท Registered to: William Stgermain
ยท VIN: 5FNRL387X7B462305
·
47 Seton Dr, Bedford, NH, 03110-5130

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 5 vehicle registration records are associated with William Stgermain. Registered makes include Buick, Honda, Toyota, Nissan. The most recent model year on record is 2010. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Woodland Hills Church of Christ

William StgermainExecutive
wstgermain@gmail.com
bookchapterverse.org

Woodland Hills Church of Christ

William StgermainExecutive
wstgermain@gmail.com

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 6 business affiliations were found for William Stgermain. Companies include Woodland Hills Church of Christ. Roles listed include Executive and Owner. Records are compiled from state business registries, SEC filings, and professional networking databases.

William StGermain

Notre Dame High School - Berlin, NH, NH
1972

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases William Stgermain 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.

$20 Dec 31, 2016
2016
General Dynamics Corporation Political Action Committee (gdc Pac)
Stgermain, William Lewis Test Engineer Specialist @ Electric Boat CORP N Kingstown, RI
$20 Jan 1, 1
2008
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William Lewis Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$20 Dec 31, 2009
2010
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William Lewis Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$10 Oct 13, 2010
2010
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William Lewis Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$50 Jun 7, 2020
2020 REP
McSally, Martha
Stgermain, William Test Engineer @ Electric Boat North Kingstown, RI
$30 Nov 26, 2018
2018
General Dynamics Corporation Political Action Committee (gdc Pac)
Stgermain, William Lewis Test Engineer Specialist @ Electric Boat CORP N Kingstown, RI
$30 Nov 22, 2010
2012
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William Lewis Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$10 Oct 30, 2004
2004
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William L Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$20 Dec 31, 2008
2008
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William Lewis Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$20 Nov 30, 2017
2018
General Dynamics Corporation Political Action Committee (gdc Pac)
Stgermain, William Lewis Test Engineer Specialist @ Electric Boat CORP N Kingstown, RI
$10 Nov 27, 2004
2004
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William L Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$10 Oct 16, 2004
2004
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William L Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$100 Sep 6, 2020
2020 REP
Republican National Committee
Stgermain, William Test Engineer @ Electric Boat North Kingstown, RI
$30 Dec 31, 2020
2020
General Dynamics Corporation Political Action Committee (gdc Pac)
Stgermain, William Lewis Test Engineer Specialist @ Electric Boat CORP N Kingstown, RI
$10 Oct 15, 2008
2008
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William Lewis Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$10 Dec 11, 2004
2004
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William L Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$30 Nov 30, 2019
2020
General Dynamics Corporation Political Action Committee (gdc Pac)
Stgermain, William Lewis Test Engineer Specialist @ Electric Boat CORP N Kingstown, RI
$30 Nov 23, 2020
2020
General Dynamics Corporation Political Action Committee (gdc Pac)
Stgermain, William Lewis Test Engineer Specialist @ Electric Boat CORP N Kingstown, RI
$20 Nov 30, 2009
2010
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William Lewis Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$30 Nov 28, 2016
2016
General Dynamics Corporation Political Action Committee (gdc Pac)
Stgermain, William Lewis Test Engineer Specialist @ Electric Boat CORP N Kingstown, RI
$30 Dec 31, 2017
2018
General Dynamics Corporation Political Action Committee (gdc Pac)
Stgermain, William Lewis Test Engineer Specialist @ Electric Boat CORP N Kingstown, RI
$20 Dec 31, 2010
2012
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William Lewis Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$20 Oct 31, 2017
2018
General Dynamics Corporation Political Action Committee (gdc Pac)
Stgermain, William Lewis Test Engineer Specialist @ Electric Boat CORP N Kingstown, RI
$30 Nov 24, 2008
2008
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William Lewis Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$10 Nov 13, 2004
2004
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William L Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$20 Oct 31, 2009
2010
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William Lewis Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$10 Dec 25, 2004
2004
General Dynamics Voluntary Political Contribution Plan (gdvpcp)
Stgermain, William L Test Engineer Sr @ Electric Boat CORP N Kingstown, RI
$50 Jun 7, 2020
2020 REP
McSally, Martha
Stgermain, William Test Engineer @ Electric Boat North Kingstown, RI
$20 Dec 31, 2016
General Dynamics Corporation Political Action Committee (gdc Pac)
Contributor Test Engineer Specialist @ Electric Boat CORP N Kingstown, RI

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 29 political contribution records found for William Stgermain. Total disclosed contributions amount to $720. Recipients include General Dynamics Corporation Political Action Committee (gdc Pac). Federal law requires disclosure of contributions above $200 to federal candidates.

MP

William R Stgermain

Age 71 Male
·
9 Rosemary St, Worcester, MA 01604 (Worcester County)
42.2630, -71.7761
· (508) 755-3259
Marital: Single TZ: Eastern
Occ: White Collar Edu: High School
Homeowner Multi-Family Built 1928 Purchased 2009
MP

William G Stgermain

Age 80 Male
·
93 Fitch Hill Ave, Fitchburg, MA 01420 (Worcester County)
42.5880, -71.7922
· (978) 342-2102
Marital: Married TZ: Eastern
Homeowner Single Family Built 1947 Purchased 1973
MP

William J Stgermain

Age 65 Male
·
22 Greenhalge St, Medford, MA 02155 (Middlesex County)
42.4357, -71.0990
· (781) 395-6879
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1970 Purchased 1977
MP

William V Stgermain

Age 71 Male
·
PO Box 132, Hanover, CT 06350 (New London County)
41.6390, -72.0671
· (860) 822-8648
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family
MP

William Stgermain

Male
·
5 Furnace Hollow Rd, Stafford Spgs, CT 06076 (Tolland County)
41.9654, -72.2853
TZ: Eastern
Homeowner Single Family Built 1961 Purchased 2004
MP

William Stgermain

Male
·
5 Cul De Sac Dr, Hope Valley, RI 02832 (Washington County)
41.5311, -71.6925
· (401) 353-0503
TZ: Eastern
Homeowner Single Family Built 1999 Purchased 2012

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

Eli And Bessie Cohen Camps Of Massachusetts INC.

Partnership

$424,525 Paid in Full
Address:
300 Bedford St
Manchester, NH03101
Approved

Apr 15, 2020

Forgiven

$430,138

Jobs Reported

32

Loan #

9548017102

Loan Size

Medium

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

Find William Stgermain 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
4
5
11
2
14
1
3
7
4
1
7
1
3

William Stgermain in FL: Background Summary

Location
11541 Harrington Rd Fountain, FL 32438-2307
Other Locations
Columbus, NJ ยท Randolph, MA ยท Fountain, FL and 26 more
Profiles Found
37 people with this name
Phone Numbers
(850) 319-8649 and 15 others on file
Email
billstg@cox.net and 6 others on file
Possible Relatives
Elizabeth A St. Germain, Germain I St., Gregory Germain, Inez B St. Germain, Inez B Stgermain and 91 more
Career
Executive, Owner at Woodland Hills Church of Christ
Voter Registration
Registered No Party Preference
Vehicles
5 linked โ€” 2010 Buick Lucerne, 2002 Honda Civic and 3 more
Contributions
$720 total โ€” General Dynamics Corporation Political Action Committee (gdc Pac)
PPP Loans
$425K for Eli And Bessie Cohen Camps Of Massachusetts 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 William Stgermain. Because public records are indexed by name rather than by a unique identifier, the 96 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

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 William Stgermain

Search Complexity: High

96 public records across 13states, belonging to approximately 37 different individuals. With 37 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: Massachusetts (15%), followed by Florida and New Hampshire. Spans the Northeast and South regions.

MA14recordsFL11recordsNH7recordsRI7recordsCT5recordsNJ4records

Record Type Breakdown

Data spans 6 record categories. Largest: Contact & Address Records (53%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (29) and Business & Corporate Filings (6).

47
Contact & Address Records
29
Political Contribution Records
6
Business & Corporate Filings
5
Vehicle Registration Records
1
Voter Registration Records
1
PPP Loan Records

Age Distribution

Age range: approximately 36 years, suggesting multiple generations. Largest group: Senior (65+) (82%).

Senior (65+)9peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About William Stgermain

Is William Stgermain a registered voter?
Yes, voter registration records show William Stgermain is registered with U affiliation. We found 1 voter registration entry across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
What vehicles are registered to William Stgermain?
Records show 5 vehicle registrations associated with William Stgermain, including a 2010 Buick Lucerne. Registered makes include Buick, Honda, Toyota, Nissan. 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 William Stgermain?
We found 6 business affiliations for William Stgermain (Executive). Business records are compiled from state registries, SEC filings, and professional databases.
Has William Stgermain made political donations?
FEC disclosure records show 29 reported political contributions from William Stgermain, totaling $720. Recipients include General Dynamics Corporation Political Action Committee (gdc Pac). Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for William Stgermain?
Our database contains 96 total records for William Stgermain spanning 13 states. This includes 37 distinct contact records, 15 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 William Stgermain?
The 96 records displayed for William Stgermain 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 William Stgermain 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.