Jan Talbott

Age 73 b. 1952-06-28
๐Ÿ“ 452 Grenock Cir, Sandy Springs Ga
๐Ÿ“ž (678) 429-0350, (770) 356-7860
โœ‰๏ธ CUMIJANTAL@YAHOO.COM

Jan Talbott from Wrightwood, CA

San Bernardino Co.
๐Ÿ“ Po Box 3078
๐Ÿ“ž (787) 732-8291, (914) 939-9011, (605) 778-6602

Jan Talbott from Long Beach, CA

Age 79 b. Nov 1946 Los Angeles Co.
๐Ÿ“ 4150 Long Beach Blvd
๐Ÿ“ž (954) 484-0973

Jan Talbott

๐Ÿ“ 100 S Bradford St, Kimball Sd
๐Ÿ“ž (605) 680-5004, (111) 111-0002
โœ‰๏ธ TALBOTTSHONEY@MIDSTATESD.NET

Jan Talbott

๐Ÿ“ 3254 Yucca Mesa Rd, Yucca Valley Ca
๐Ÿ“ž (605) 680-5004, (111) 111-0002
โœ‰๏ธ TALBOTTSHONEY@MIDSTATESD.NET

Jan Talbott

๐Ÿ“ 0 Boone, Landers Ca 92285
๐Ÿ“ž (605) 680-5004, (111) 111-0002
โœ‰๏ธ TALBOTTSHONEY@MIDSTATESD.NET

Jan Talbott

๐Ÿ“ 100 Bradford, Kimball Sd 57355
๐Ÿ“ž (605) 680-5004, (111) 111-0002
โœ‰๏ธ TALBOTTSHONEY@MIDSTATESD.NET

Jan Talbott from Altadena, CA

Female
๐Ÿ“ 2674 Raymond Ave
๐Ÿ“ž (626) 665-7859 (VERIZON WIRELESS)

Jan Talbott from Atlanta, GA

Age 73 b. Jun 1952 Fulton Co.
๐Ÿ“ 452 Grenock Cir Ne
๐Ÿ“ž (770) 393-1854

Jan Talbott from Kimball, SD

Age 59 b. Nov 1966 Brule Co.
๐Ÿ“ 413 South Pne

Jan Talbott from La Quinta, CA

Age 80 b. 1946 U
๐Ÿ“ 60395 Living Stone Dr
๐Ÿ“ž (818) 516-9469 (Cell)

Jan Talbott from Cape Coral, FL

๐Ÿ“ 706 Sw 35th St

Jan Talbott from Roswell, GA

Fulton Co.
๐Ÿ“ 750 Warsaw Rd

Jan Talbott from Mowrystown, OH

Highland Co.
๐Ÿ“ 16 S High St

Jan Talbott from Hillsboro, OH

Highland Co.
๐Ÿ“ 138 Somer St

Jan Talbott from Glendale, CA

Los Angeles Co.
๐Ÿ“ 425 E Colorado St Ste 120

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 16 contact records for Jan Talbott across 5 states. The most recent address on file is in Wrightwood, California. Of these records, 10 include phone numbers and 5 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Talbott Jan

Jefferson County
PIN: 53102
· 18963 Copeland Rd
Lot: 100,440sqft

Talbott Jan

Jefferson County
· 18963 Copeland Rd, Sabine-Pass

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

Jan Talbott

Atlanta, 30328
DOB: 1/1/1952 Gender: Female
Congress: 006

Jan Lance Talbott

Republican Reg: 09/03/2009
150 Nagel Rd, Oil City, PA, 16301
DOB: 09/22/1940

Jan Wagner Talbott

Reg: 19890131
452 Grenock Cir NE, Atlanta, 30328
Gender: Female

Jan Lance Talbott

150 Nagel Rd
DOB: 09/22/1940

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 4 voter registration records were found for Jan Talbott in Pennsylvania. Party affiliation is listed as R. 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.

2012 TOYOTA SEQUOIA
ยท Registered to: Jan Talbott
ยท VIN: 5TDDW5G19CS065555
·
100 S Bradford St, Kimball, SD, 57355-2167
·
(605) 778-6427
2011 Mercedes-Benz M-Class
ยท Registered to: Jan Talbott
ยท VIN: 4JGBB7CB0BA634796
·
100 S Bradford St, Kimball, SD, 57355
·
(605) 778-6427
2010 Dodge Challenger
ยท Registered to: Jan Talbott
ยท VIN: 2B3CJ4DV0AH111475
·
452 Grenock Cir Ne, Atlanta, GA, 30328-1305
·
(770) 393-1854
2013 Ford F-150
ยท Registered to: Jan Talbott
ยท VIN: 1FTFW1R60DFC65669
·
100 S Bradford St, Kimball, SD, 57355
·
(605) 778-6427

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 4 vehicle registration records are associated with Jan Talbott. Registered makes include Toyota, Mercedes-Benz, Dodge, Ford. The most recent model year on record is 2013. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Business Record

+18185481788
Glendale,

Big O Tires 5734

Jan TalbottPrincipal
(818) 548-1788jan@bigoaz.com
1201 S Central Ave, Glendale, CA91204

Big O Tires

Owner
(818) 548-1788Jan@bigo.com
Glendale, CA
Gasoline Service Stations and Automotive Dealers (Automotive)

Jan Talbott

United States

Jan Talbott

Owner, BLACK DONUTS, IN ยท Greater Los Angeles Area

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 9 business affiliations were found for Jan Talbott. Companies include Big O Tires 5734, Big O Tires. Roles listed include Null and Principal. Records are compiled from state business registries, SEC filings, and professional networking databases.

Black Donuts, INC.

Filed: May 31, 2002
Registered Agent: Jan Wm Talbott

Black Donuts, INC.

Filed: May 31, 2002
CEO: Jan Wm Talbott

Black Donuts, INC.

Addr: 2674 N Raymond Ave, Altadena, CA, 91001
CA
CEO: Jan Wm Talbott

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

Jan Talbott

George Washington High School - Cedar Rapids, IA, IA
1964

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Jan Talbott has 1 education-related record on file, which may include educator certifications and historical yearbook entries. Yearbook data represents a historical snapshot and may not reflect current information.

$250 May 30, 2001
2002 DEM
Villaraigosa, Antonio R
Talbott, Jan Ceo @ Integrated Management Long Beach, CA
$250 May 30, 2001
DEM
Villaraigosa, Antonio R
Contributor Ceo @ Integrated Management Long Beach, CA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 2 political contribution records found for Jan Talbott. Total disclosed contributions amount to $500. Recipients include Villaraigosa, Antonio R. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Jan Talbott

Age 25
·
100 S Bradford St, Kimball, SD 57355 (Brule County)
43.7482, -98.9499
· (605) 778-6602
TZ: Central
Homeowner Single Family
MP

Jan Talbott

·
1599 Macedonia Rd, Midland, OH 45148 (Clinton County)
39.3304, -83.8707
TZ: Eastern
Single Family
MP

Jan W Talbott

Age 65 Female
·
452 Grenock Cir, Atlanta, GA 30328 (Fulton County)
33.9540, -84.3720
· (678) 429-0350
Marital: Married TZ: Eastern
Occ: Healthcare
Homeowner Single Family Built 1964
MP

Jan L Talbott

Age 76 Male
·
150 Nagel Rd, Oil City, PA 16301 (Venango County)
41.4637, -79.5992
· (814) 676-0721
Marital: Married TZ: Eastern
Homeowner Single Family Built 1950 Purchased 2005
MP

Jan W Talbott

Age 69
·
60395 Living Stone Dr, La Quinta, CA 92253 (Riverside County)
33.6099, -116.2500
Marital: Single TZ: Pacific
Homeowner Single Family Built 2005 Purchased 2017
MP

Jan L Talbott

Age 61 Female
·
9636 Green Valley Rd, Mount Vernon, OH 43050 (Knox County)
40.4247, -82.5654
· (740) 397-2845
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1956

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

Robert D. White

Sole Proprietorship

$130,300 Paid in Full
Address:
PO Box 304
Wimberley, TX78676-0304
Approved

Apr 15, 2020

Forgiven

$131,538

Jobs Reported

10

Loan #

8773157100

Loan Size

Small

Black Oxide Company INC

Subchapter S Corporation

$17,400 Paid in Full
Address:
PO Box 304
Spencer, MA01562-0304
Approved

May 4, 2020

Forgiven

$17,501

Jobs Reported

2

Loan #

1352557407

Loan Size

Small

Wright County Historical Society

Non-Profit Organization

$48,500 Paid in Full
Address:
PO Box 304
Buffalo, MN55313-0304
Approved

Apr 11, 2020

Forgiven

$49,051

Jobs Reported

5

Loan #

2828257107

Loan Size

Small

Cross Town Motor Inn CORP.

Cooperative

$11,500 Paid in Full
Address:
PO Box 304
Cedarhurst, NY11516
Approved

May 1, 2020

Forgiven

$11,632

Jobs Reported

1

Loan #

7084287703

Loan Size

Small

Aleisa G. Johnson

Sole Proprietorship

$3,958 Paid in Full
Address:
PO Box 304
Sebastopol, MS39359-0304
Approved

Apr 29, 2020

Forgiven

$3,983

Jobs Reported

1

Loan #

2782687307

Loan Size

Small

King-Mesa Gin, INC.

Corporation

$224,789 Paid in Full
Address:
PO Box 304
Lamesa, TX79331-0001
Approved

Apr 9, 2020

Forgiven

$227,986

Jobs Reported

30

Loan #

1063177110

Loan Size

Medium

Ambulance Service CORP INC

Non-Profit Organization

$419,200 Paid in Full
Address:
PO Box 304
Glasgow, KY42142
Approved

Apr 27, 2020

Forgiven

$421,389

Jobs Reported

57

Loan #

4730967207

Loan Size

Medium

Glastonbury Arts, INC.

Non-Profit Organization

$5,325 Paid in Full
Address:
PO Box 304
Glastonbury, CT06033
Approved

Apr 27, 2020

Forgiven

$5,372

Jobs Reported

4

Loan #

4404807210

Loan Size

Small

Sharon G Berliner Lcsw

Sole Proprietorship

$20,800 Paid in Full
Address:
PO Box 304
Kennebunk, ME04043
Approved

Apr 14, 2020

Forgiven

$20,977

Jobs Reported

1

Loan #

6961907109

Loan Size

Small

Kbond Mfg Jewwler

Sole Proprietorship

$22,801 Paid in Full
Address:
PO Box 304
Holliday, TX76366-0304
Approved

Apr 27, 2020

Forgiven

$22,959

Jobs Reported

1

Loan #

3489347207

Loan Size

Small

Promed Medical Management INC

Subchapter S Corporation

$28,000 Paid in Full
Address:
PO Box 304
Carmel, IN46082-0304
Approved

Apr 15, 2020

Forgiven

$28,208

Jobs Reported

2

Loan #

1331337205

Loan Size

Small

Robert Wilson Enterprises, INC.

Subchapter S Corporation

$17,700 Paid in Full
Address:
PO Box 304
England, AR72046
Approved

Apr 29, 2020

Forgiven

$17,820

Jobs Reported

9

Loan #

2250727305

Loan Size

Small

Lighthouse Of The Carolinas. INC

Non-Profit Organization

$1,600 Paid in Full
Address:
PO Box 304
Greenwood, SC29648-0304
Approved

Apr 29, 2020

Forgiven

$1,609

Jobs Reported

1

Loan #

3844127304

Loan Size

Small

Vk Automotive LLC

Limited Liability Company(LLC

$70,000 Paid in Full
Address:
1201 S Central Ave
Glendale, CA91204
Approved

May 1, 2020

Forgiven

$70,673

Jobs Reported

5

Loan #

3041147709

Loan Size

Small

Joseph B Barker

Sole Proprietorship

$9,424 Paid in Full
Address:
PO Box 304
Antwerp, OH45813-0304
Approved

Aug 5, 2020

Forgiven

$9,451

Jobs Reported

6

Loan #

3814538206

Loan Size

Small

Alter CORP

Corporation

$22,900 Paid in Full
Address:
PO Box 304
Black Canyon City, AZ85324
Approved

Apr 28, 2020

Forgiven

$23,031

Jobs Reported

2

Loan #

1310137303

Loan Size

Small

William E. Pohlmeier

Self-Employed Individuals

$8,552 Paid in Full
Address:
PO Box 304
Edgar, NE68935
Approved

May 7, 2020

Forgiven

$9,705

Jobs Reported

1

Loan #

3484687401

Loan Size

Small

Linda Melendez

Sole Proprietorship

$4,174 Paid in Full
Address:
PO Box 304
Columbia, MS39429
Approved

May 21, 2020

Forgiven

$4,246

Jobs Reported

1

Loan #

1712627801

Loan Size

Small

Family Violence Project

Non-Profit Organization

$25,900 Paid in Full
Address:
PO Box 304
Augusta, ME04332-0304
Approved

Apr 10, 2020

Forgiven

$26,068

Jobs Reported

32

Loan #

2156677100

Loan Size

Small

Richard Lara Farms INC

Corporation

$177,500 Paid in Full
Address:
PO Box 304
Westley, CA95387-0304
Approved

Apr 30, 2020

Forgiven

$168,547

Jobs Reported

16

Loan #

4736767305

Loan Size

Medium

S&h Retail INC

Subchapter S Corporation

$20,900 Paid in Full
Address:
PO Box 304
Akeley, MN56433-0304
Approved

Apr 4, 2020

Forgiven

$21,115

Jobs Reported

12

Loan #

4860967009

Loan Size

Small

Bybee & Bybee Of Nevada, INC.

Subchapter S Corporation

$43,300 Paid in Full
Address:
PO Box 304
McLean, TX79057
Approved

Apr 10, 2020

Forgiven

$43,604

Jobs Reported

6

Loan #

2056977110

Loan Size

Small

Montroy Supply Company

Corporation

$1,198,427 Paid in Full
Address:
2674 Raymond Ave
Signal Hill, CA90755-2128
Approved

Apr 12, 2020

Forgiven

$1,006,269

Jobs Reported

116

Loan #

4019637102

Loan Size

Medium-Large

First Bapt Church Hereford

Non-Profit Organization

$19,700 Paid in Full
Address:
PO Box 304
Monkton, MD21111
Approved

May 7, 2020

Forgiven

$19,922

Jobs Reported

1

Loan #

3698677404

Loan Size

Small

Khris & Brooke Winings Farm Jv

Joint Venture

$9,104 Paid in Full
Address:
PO Box 304
Dalhart, TX79022-0304
Approved

May 4, 2020

Forgiven

$9,182

Jobs Reported

1

Loan #

1315477408

Loan Size

Small

Warfield Prescription Center INC

Corporation

$35,200 Paid in Full
Address:
PO Box 304
Warfield, KY41267
Approved

Apr 28, 2020

Forgiven

$35,626

Jobs Reported

3

Loan #

7059047209

Loan Size

Small

Basin Electric INC

Corporation

$51,600 Paid in Full
Address:
PO Box 304
Stanford, MT59479-0304
Approved

Apr 3, 2020

Forgiven

$52,027

Jobs Reported

6

Loan #

4452667003

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 27 PPP loan records are linked to businesses associated with Jan Talbott. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Jan Talbott on the map

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Jan Talbott in Sandy Springs, GA: Background Summary

Location
452 Grenock Cir, Sandy Springs Ga, Sandy Springs, GA
Other Locations
Wrightwood, CA ยท Long Beach, CA ยท Altadena, CA and 8 more
Profiles Found
16 people with this name
Phone Numbers
(678) 429-0350 and 9 others on file
Email
cumijantal@yahoo.com and 1 other on file
Career
Principal at Big O Tires 5734, Big O Tires
Voter Registration
Registered Republican
Properties
2properties owned
Vehicles
4 linked โ€” 2012 Toyota Sequoia, 2011 Mercedes-Benz M-Class and 2 more
Contributions
$500 total โ€” Villaraigosa, Antonio R
PPP Loans
$2649K for Robert D. White, Black Oxide Company 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 Jan Talbott. Because public records are indexed by name rather than by a unique identifier, the 79 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 Jan Talbott

Search Complexity: High

79 public records across 7states, belonging to approximately 16 different individuals. With 16 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: California (19%), followed by South Dakota and Ohio. Spans the West and Midwest regions.

CA15recordsSD7recordsOH4recordsGA4recordsPA2recordsFL1record

Record Type Breakdown

Data spans 8 record categories. Largest: PPP Loan Records (38%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (21) and Business & Corporate Filings (9).

27
PPP Loan Records
21
Contact & Address Records
9
Business & Corporate Filings
4
Voter Registration Records
4
Vehicle Registration Records
3
Corporate Records

Age Distribution

Age range: approximately 20 years. Largest group: Senior (65+) (67%).

Senior (65+)2peopleMiddle-Age (40-64)1person

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

Frequently Asked Questions About Jan Talbott

Is Jan Talbott a registered voter?
Yes, voter registration records show Jan Talbott is registered. We found 4 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Jan Talbott own property?
County assessor records show 2 properties associated with Jan Talbott . 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 Jan Talbott?
Records show 4 vehicle registrations associated with Jan Talbott, including a 2012 TOYOTA SEQUOIA. Registered makes include Toyota, Mercedes-Benz, Dodge, Ford. 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 Jan Talbott?
We found 9 business affiliations for Jan Talbott (null). Other companies include Big O Tires. Business records are compiled from state registries, SEC filings, and professional databases.
Has Jan Talbott made political donations?
FEC disclosure records show 2 reported political contributions from Jan Talbott, totaling $500. Recipients include Villaraigosa, Antonio R. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Jan Talbott?
Our database contains 79 total records for Jan Talbott spanning 7 states. This includes 16 distinct contact records, 10 with phone numbers, 5 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 Jan Talbott?
The 79 records displayed for Jan Talbott 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 Jan Talbott 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.