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Fred Cates

📍 4315 Charriton Dr, Houston Tx
📞 (111) 111-0002, (832) 328-0910, (281) 225-4179, (281) 235-4121
✉️ CATES.WILLIS.BARBARA@GMAIL.COM, cates.willis.barbara@gmail.com

Mr Fred A Cates from Tacoma, WA

Age 74 b. 7/11/1951
📍 505 E 93rd St, #tacoma, WA 98445-2121
👨‍👩‍👧 Relatives: Nancy M Cates,Andrea M Rich,Arlene M Johnson,Hilary Dianne Rivas,Myrtle E Cates,Phyliss A Johnson,Shelley L Johnson,Aaron J Stubbs,Autumn M Donaldson,Brianne Rae Vanbrunt,Christine Johnson Stokes,Jack D Johnson,Mary Jean Merlich,Michael D Donaldson,Nicolas B Peralta,Paul M Rich,Shirley A Donaldson,Stephen E Bradley,Uriah Adolfo Rivas,Alexander N Merlich,Amber M Caldwell,Andrew M Kraeger,Bret A Marzolf,Christopher L Newcomb,Holly Ann Price,Ivan L Rotter,J Bradley,J Bradley,J Bradley,J Bradley,James C Anderson,James R Bradley,James H Daniels,Jamie E Daniels,Jean M Evans,Jeffrey C Daniels,Jeremiah L Rotter,Jimmie D Stokes Sr,Joni L Bradley,Kari M Daniels,Lisa Lynn Bradley,Lisa I Cole,Marcia P Bradley,Megan E Rotter,Michael E Gearhart,Monica R Gearhart,Scott Allen Price,Shane T Rotter,Theresa M Rotter,Tori O Gearhart
🕐 17 previous addresses

Fred Cates

Age 80 b. 1946-01-10
📍 1021 Claymill Dr, Spring Hill Tn
📞 (404) 317-1167, (770) 403-7469
✉️ FREDCATES@ATT.NET

Fred Cates from Tupelo, MS

0
📍 915 Taylor St, Tupelo, MS 38801
📞 (662) 842-7886
👨‍👩‍👧 Relatives: Chad W Cates,Lonnie E Cates,Carey W Cates,Aimee C Hurley,Carey Ucates,Faye E Cates,Kathleen Mercer Cates

Fred Cates from Rockdale, TX

Age 68 b. Nov 1957
📍 1614 W Cameron Ave
📞 (512) 446-0649, (512) 446-6535
👤 aka Fred A Cates, Frederick A Cates, Fred S Cates

Fred Cates from Empire, AL

Age 87
📍 732 Phillipstown Rd, Empire, AL 35063
📞 (205) 648-3967, (205) 648-3967
👨‍👩‍👧 Relatives: Beverly Cates Capps,Annie O Cates,Patricia B Cates

Fred Cates from Colusa, CA

Age 110 b. Oct 1915 Colusa Co.
📍 326 Florimond Dr
📞 (530) 458-2419

Fred Cates from Ridgefield, WA

Age 81 b. 1945 Clark Co.
📍 4501 Nw 188th St
📞 (360) 573-0853

Fred Cates from Garden Grove, CA

Age 92 b. Jan 1934 Orange Co.
📍 13952 Hala Way
📞 (402) 339-2526

Fred Cates from Hillsborough, NC

Age 94 b. Jan 1932 Orange Co.
📍 112 W Union St
📞 (919) 732-2700

Fred Cates from Tucson, AZ

Age 87 b. Jul 1938 Pima Co.
📍 29 W Carlton St
📞 (520) 294-3359

Fred Cates from Rochester, NY

Age 81 b. Aug 1944 Monroe Co.
📍 63 Barbie Dr
📞 (219) 744-2720

Fred Cates from Jackson Hts, NY

Age 96
📍 7615 35th Ave #5a, Jackson Hts, NY 11372
📞 (718) 335-8214, (718) 335-8214
👨‍👩‍👧 Relatives: Emily Cates,Emily Cates

Fred Cates from Oxnard, CA

Age 87 b. Jun 1938 Ventura Co.
📍 1810 Muirfield Dr
📞 (573) 996-2099
👤 aka Kates Fred

Fred Cates from Empire, AL

Age 98 b. Apr 1927 Walker Co.
📍 732 Phillipstown Rd
📞 (201) 725-7377

Fred Cates from Thatcher, AZ

Age 92 b. 1934 Graham Co.
📍 3421 S Robinson Ave
📞 (928) 428-7298

Fred Cates from Tacoma, WA

Age 74 b. Jul 1951 Pierce Co.
📍 505 E 93rd St
📞 (916) 645-7960

Fred Cates from Irving, TX

Age 94 b. Apr 1931 Dallas Co.
📍 2704 Rock Island Rd Apt 141
📞 (972) 313-1510

Mr Fred A Cates from Tacoma, WA

Age 74 b. 7/12/1951
📍 9130 E G St, #tacoma, WA 98445-2154
🕐 3 previous addresses

Fred Cates from Deland, FL

Male
📍 1426 N Amelia Ave
📞 (904) 738-2459 (VERIZON WIRELESS)

Fred Cates from Tucson, AZ

Age 88 b. 1938 Male
📍 19 W Carlton St
📞 (520) 294-3359

Fred Cates from Coulterville, IL

Age 65 b. 1961 Randolph Co.
📍 Po Box 257

Fred Cates from Minneapolis, MN

Age 92 b. Nov 1933 Hennepin Co.
📍 301 Saint Anthony Ave Unit 21

Fred Cates from Lawrenceville, GA

Age 80 b. 1946 Gwinnett Co.
📍 1705 Flowing Spring Ct

Fred Cates from Hesperia, CA

Age 99 b. Apr 1926 San Bernardino Co.
📍 10730 3rd Ave

Fred Cates from Rockdale, TX

Age 68 b. Nov 1957 Milam Co.
📍 1608 W Cameron Ave

Fred Cates from Roanoke Rapid, NC

Age 111 b. Apr 1914 Halifax Co.
📍 75 Three Bridges Rd

Fred Cates from Pahrump, NV

Age 87 b. Jan 1939 Nye Co.
📍 5640 Bonnie St
👤 aka Fred Kates

Fred Cates from Coulterville, IL

Age 64 b. Sep 1961 Randolph Co.
📍 6049 Columbine Rd

Fred Cates from Greensboro, NC

Guilford Co.
📍 1521 Bridford Pkwy

Fred Cates from Jackson Heights, NY

Queens Co.
📍 7615 35th Av 5 A

Fred Cates from Arleta, CA

Los Angeles Co.
📍 13225 Crowley St

Fred Cates from Canyon Cntry, CA

Los Angeles Co.
📍 18145 Soledad Canyon Rd

Fred Cates from Tacoma, WA

Pierce Co.
📍 8522 9th Avenue Ct E

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 34 contact records for Fred Cates across 13 states. The most recent address on file is in Rockdale, Texas. Of these records, 20 include phone numbers and 2 include email addresses. Ages range from 87 to 96, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Cates, Fred

Saratoga County
PIN: 31.11-1-50
· 47 Carey Rd
Lot: 55,399sqft

Cates Fred

Clark County
PIN: 182203000
Lot: 217,094sqft

Cates Fred A & Cynthia

Milam County

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

Fred Cates

Augusta, 30904
DOB: 1/1/1944 Gender: Male
Congress: 012

Fred Cates

Lawrenceville, 300433067
DOB: 1/1/1946 Gender: Male
Congress: 007

Fred Cates

Republican
24702e Rowland Pl, Aurora, CO, 80016
DOB: 1978 Gender: Male
County: Arapahoe

Fred L Cates

Reg: 19961007
370 Sweet Ivy Ln, Lawrenceville, 300433067
Gender: Male

Fred Joseph Cates

County: Ripley

fred S cates

Democrat Reg: 10/22/1966
Removed
DOB: 1927 Gender: Male
County: Orange

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 6 voter registration records were found for Fred Cates in Colorado. Records show affiliations with REP, DEM, which may reflect different individuals or changes over time. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2008 GMC Yukon Denali
· Registered to: Fred Cates
· VIN: 1GKFK638X8J157750
·
633 Imperial Ln, Grand Junction, CO, 81504
·
(970) 985-4348
2001 CADILLAC DEVILLE CAR MID LUXURY
· Registered to: Fred Cates
· VIN: 1G6KF57931U159164
·
3421 S Robinson Ave, Thatcher, AZ, 85552
·
(928) 428-7298
2005 HYUNDAI ELANTRA
· Registered to: Fred Cates
· VIN: KMHDN46D75U953515
·
29 W Carlton St, Tucson, AZ, 85706
·
(520) 294-3359
2011 Chevrolet Silverado 2500Hd
· Registered to: Fred Cates
· VIN: 1GC1KXC85BF166488
·
633 Imperial Ln, Grand Junction, CO, 81504-4452
·
(970) 985-4348
2019 DODGE CHALLENGER SRT
· Registered to: Fred Cates
· VIN: 2C3CDZC92KH718846
·
24702 E Rowland Pl, Aurora, CO, 80016
2009 Ford Fusion
· Registered to: Fred Cates
· VIN: 3FAHP08119R160029
·
370 Sweet Ivy Ln, Lawrenceville, GA, 30043-3067
·
(404) 317-1167

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 6 vehicle registration records are associated with Fred Cates. Registered makes include Gmc, Cadillac, Hyundai, Chevrolet and others. The most recent model year on record is 2019. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Rockdale Auto Repair

Owner
(512) 446-2670
Rockdale, TX
Automotive Services, Parking and Repair (Automotive)

Rockdale Auto Sales

Owner
(512) 446-2670
Rockdale, TX
Gasoline Service Stations and Automotive Dealers (Automotive)

Fred Cates

Owner
Raleigh, North Carolina, United States
LinkedIn

Western Financial Planning

Fred CatesUditors
(360) 608-5311fcates@wfpc.com
4501 Nw 188th St, Ridgefield, WA98642

Mc Intosh State Bank

Fred CatesVigilant
(770) 501-0046fcates@mail.com
1705 Flowing Spring Ct, Lawrenceville, GA30043
mcintoshbancshares.com

Fred Cates

Owner, 20000 · Raleigh-Durham, North Carolina Area

Mc Intosh State Bank

Fred CatesVigilant
(770) 501-0046fcates@mail.com
1705 Flowing Spring Ct, Lawrenceville, GA30043

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 10 business affiliations were found for Fred Cates. Companies include Rockdale Auto Repair, Rockdale Auto Sales, Western Financial Planning and 1 more. Roles listed include Uditors and Vigilant. Records are compiled from state business registries, SEC filings, and professional networking databases.

Joelin Enterprises INC

Addr: 765 La Brisa, Vinita, OK, 74301
OK
INCORPORATOR: Fred Cates

Unknown Corporation

Addr: 765 La Brisa, Vinita, OK, 74301
OK
INCORPORATOR: fred J cates

Unknown Corporation

Addr: 1608 Garden City Highway, Midland, TX, 79706
TX
Officer: Fred Cates

Source: Public Records Fred Cates appears in 3 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$100 Aug 6, 2008
2008 REP
McCrory, Pat
Cates, Fred Owner @ Cates Family Hillsborough, NC
$200 Nov 22, 1991
1992 REP
Faircloth, Duncan McLauchlin
Cates, Fred Retired Hillsborough, NC
$100 Jan 20, 2010
2010 REP
Burr, Richard
Cates, Fred S Jr Real Estate @ Self Employed Hillsborough, NC
$100 Oct 30, 1995
1996 REP
Vinroot, Richard A
Cates, Fred S Hillsborough, NC
$200 Mar 22, 1996
1996 DEM
Boyles, Harlan E
Cates, Fred S Hillsborough, NC
$200 Nov 22, 1991
REP
Faircloth, Duncan McLauchlin
Contributor Retired Hillsborough, NC
$200 Nov 22, 1991
Unknown Committee
Cates, Fred Retired Hillsborough, NC
$100
2008 R
McCrory, Pat
Contributor Owner @ Cates Family Hillsborough, NC

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 8 political contribution records found for Fred Cates. Total disclosed contributions amount to $1,200. Recipients include Faircloth, Duncan McLauchlin, McCrory, Pat. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Fred L Cates

Age 56 Male
·
PO Box 257, Coulterville, IL 62237 (Randolph County)
38.1867, -89.6038
Marital: Single TZ: Central
Edu: High School
Homeowner Single Family
MP

Fred J Cates

Age 77 Male
·
4 Fox Dr, Doniphan, MO 63935 (Ripley County)
36.6299, -90.8185
· (573) 996-2099
Marital: Single TZ: Central
Occ: Professional
Homeowner Single Family
MP

Fred W Cates

Age 91 Male
·
10730 3rd Ave, Hesperia, CA 92345 (San Bernardino County)
34.4432, -117.3040
· (760) 949-7824
Marital: Married TZ: Pacific
Occ: Professional Edu: High School
Homeowner Single Family Built 1978 Purchased 1988
MP

Fred A Cates

Age 39 Male
·
24702 E Rowland Pl, Aurora, CO 80016 (Arapahoe County)
39.5898, -104.7000
Marital: Single TZ: Mountain
Edu: High School
Homeowner Single Family Built 2003 Purchased 2013
MP

Fred Cates

Male
·
7012 Ellsworth Cir, Fair Oaks, CA 95628 (Sacramento County)
38.6503, -121.3020
TZ: Pacific
Single Family
MP

Fred Cates

Age 71 Male
·
370 Sweet Ivy Ln, Lawrenceville, GA 30043 (Gwinnett County)
34.0120, -84.0062
· (404) 317-1167
Marital: Married TZ: Eastern
Occ: Agriculture Edu: Some College
Homeowner Single Family Built 1996 Purchased 2012
MP

Fred R Cates

Age 79 Male
·
19 W Carlton St, Tucson, AZ 85706 (Pima County)
32.1357, -110.9680
· (520) 294-3359
Marital: Single TZ: Mountain
Homeowner Single Family Built 1945 Purchased 1991
MP

Fred J Cates

Age 72 Male
·
13023 NE Highway 99, Vancouver, WA 98686 (Clark County)
45.7156, -122.6510
Marital: Married TZ: Pacific
Occ: Management
Multi-Family
MP

Fred Cates

Male
·
6121 S D St, Tacoma, WA 98408 (Pierce County)
47.2015, -122.4360
TZ: Pacific
Homeowner Single Family Built 1943 Purchased 2005
MP

Fred Cates

Male
·
1614 W Cameron Ave, Rockdale, TX 76567 (Milam County)
30.6466, -97.0212
TZ: Central
Homeowner Single Family Built 1985 Purchased 1997
MP

Fred Cates

Age 71 Male
·
7338 Loma Linda Dr NE, Rockford, MI 49341 (Kent County)
43.0961, -85.5207
· (313) 694-8605
Marital: Married TZ: Eastern
Occ: White Collar Edu: Graduate School
Homeowner Single Family
MP

Fred A Cates

Age 66 Male
·
505 E 93rd St, Tacoma, WA 98445 (Pierce County)
47.1731, -122.4240
Marital: Married TZ: Pacific
Edu: High School
Homeowner Single Family Built 1940 Purchased 1993

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 12 demographic profiles associated with Fred Cates. 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 Fred Cates. These loans were issued to businesses, not individuals.

Xristou Meneton INC

Corporation

$31,227 Paid in Full
Address:
112 W Union St
Morganton, NC28655-3460
Approved

Feb 20, 2021

Forgiven

$31,412

Jobs Reported

39

Loan #

2154678506

Loan Size

Small

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

Find Fred Cates on the map

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Found 74 results across 18 states

Fewer
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Fred Cates in Houston, TX: Background Summary

Location
4315 Charriton Dr, Houston Tx, Houston, TX
Other Locations
Rockdale, TX · Colusa, CA · Ridgefield, WA and 20 more
Profiles Found
34 people with this name
Phone Numbers
(832) 328-0910 and 24 others on file
Email
cates.willis.barbara@gmail.com and 1 other on file
Possible Relatives
Nancy M Cates, Andrea M Rich, Arlene M Johnson, Hilary Dianne Rivas, Myrtle E Cates and 53 more
Career
Uditors, Vigilant at Rockdale Auto Repair, Rockdale Auto Sales
Voter Registration
Registered Republican
Properties
2properties owned
Vehicles
6 linked — 2008 Gmc Yukon Denali, 2001 Cadillac Deville and 4 more
Contributions
$1,200 total — Faircloth, Duncan McLauchlin, McCrory, Pat
PPP Loans
$31,227 for Xristou Meneton 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 Fred Cates. 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 — 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 Fred Cates

Search Complexity: High

96 public records across 18states, belonging to approximately 34 different individuals. With 34 distinct profiles across 18 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 18 states. Highest concentration: Washington (10%), followed by California and Texas. Spans the West and South regions.

WA10recordsCA10recordsTX8recordsNC8recordsAZ8recordsGA5records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (56%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (10) and Political Contribution Records (8).

47
Contact & Address Records
10
Business & Corporate Filings
8
Political Contribution Records
6
Voter Registration Records
6
Vehicle Registration Records
3
Property Ownership Records

Frequently Asked Questions About Fred Cates

Is Fred Cates a registered voter?
Yes, voter registration records show Fred Cates is registered. We found 6 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Fred Cates own property?
County assessor records show 3 properties associated with Fred Cates . 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 Fred Cates?
Records show 6 vehicle registrations associated with Fred Cates, including a 2008 GMC Yukon Denali. Registered makes include Gmc, Cadillac, Hyundai, 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 Fred Cates?
We found 10 business affiliations for Fred Cates, including Rockdale Auto Repair. Other companies include Rockdale Auto Sales, Western Financial Planning. Business records are compiled from state registries, SEC filings, and professional databases.
Has Fred Cates made political donations?
FEC disclosure records show 8 reported political contributions from Fred Cates, totaling $1,200. Recipients include Faircloth, Duncan McLauchlin and McCrory, Pat. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Fred Cates?
Our database contains 96 total records for Fred Cates spanning 18 states. This includes 34 distinct contact records, 20 with phone numbers, 2 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 Fred Cates?
The 96 records displayed for Fred Cates 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 Fred Cates 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.