Patrick Keefer from Saugerties, NY

Age 56
๐Ÿ“ 67 Appletree Dr, Saugerties, NY 12477
๐Ÿ“ž (845) 246-2851, (845) 246-6395, (717) 273-1725, (845) 229-9759
โœ‰๏ธ pacificp@prodigy.net
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Barbara K Tompkins,Maria C Keefer,Roy A Keefer,Michael E Keefer,B Keefer

Patrick Keefer from Richmond, TX

Age 67
๐Ÿ“ 2203 Par Ln, Richmond, TX 77469
๐Ÿ“ž (713) 232-0847, (281) 342-3989, (915) 433-2423, (281) 494-5917
โœ‰๏ธ pendragon31410@yahoo.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Linda Ann Keefer,Raymond Don Keefer

Patrick Keefer

Age 55 b. 1970-03-08
๐Ÿ“ 431 Lewis Pl, Placentia Ca
๐Ÿ“ž (714) 458-0080, (714) 458-0080
โœ‰๏ธ SURFERPATRICK@GMAIL.COM

Patrick Keefer from Seffner, FL

Age 48 b. Dec 1977 Hillsborough Co.
๐Ÿ“ 705 Camellia Ct
๐Ÿ“ž (813) 689-7775, (870) 633-4388

Patrick Keefer from Manning, SC

Age 79 b. Aug 1946 Clarendon Co.
๐Ÿ“ 96 Ridge Lake Dr
๐Ÿ“ž (713) 342-3989

Patrick Keefer

๐Ÿ“ 12421 Burning Tree Rd, Fort Wayne In
๐Ÿ“ž (260) 705-0566, (260) 385-7272
โœ‰๏ธ PATK@KEEFERPRINTING.COM

Patrick Keefer

๐Ÿ“ 12421 Burning Tree, Fort Wayne In 46845
๐Ÿ“ž (260) 705-0566, (260) 385-7272
โœ‰๏ธ PATK@KEEFERPRINTING.COM

Patrick Keefer from Costa Mesa, CA

Age 45 b. Mar 1980 Orange Co.
๐Ÿ“ 433 Ogle
๐Ÿ“ž (949) 642-5602

Patrick Keefer from Gibbon, NE

Male
๐Ÿ“ 711 3rd St
๐Ÿ“ž (308) 627-9237 (VERIZON WIRELESS)

Patrick Keefer from Maricopa, CA

Age 82 b. Aug 1943 Kern Co.
๐Ÿ“ Po Box 464
๐Ÿ‘ค aka Keefer Patrick

Patrick Keefer from Kingston, NY

Age 68 b. Feb 1958 Ulster Co.
๐Ÿ“ 45 Birch St 9 F

Patrick Keefer from Twin Falls, ID

Age 56 b. Dec 1969 Twin Falls Co.
๐Ÿ“ 1846 Sigrid Ave
๐Ÿ‘ค aka Keefer Pat

Patrick Keefer from Ripley, WV

Age 52 b. Jul 1973 Jackson Co.
๐Ÿ“ 988 Shinn Ln

Patrick Keefer from Denver, CO

Age 53 b. 1973 Male
๐Ÿ“ 1523 Quitman St Apt 909
๐Ÿ“ž (304) 372-6401

Patrick Keefer from Cpe Girardeau, MO

Cape Girardeau Co.
๐Ÿ“ 2842 Whitener St
๐Ÿ“ž (573) 651-1657

Patrick Keefer from Fort Wayne, IN

Allen Co.
๐Ÿ“ 12723 Cavendish Ct
๐Ÿ“ž (515) 287-1651

Patrick Keefer from Lenoir, NC

Caldwell Co.
๐Ÿ“ 1320 Connelly Springs Rd

Patrick Keefer from Wichita, KS

Sedgwick Co.
๐Ÿ“ 805 S San Pablo Ln

Patrick Keefer from Salem, OH

Columbiana Co.
๐Ÿ“ 1121 Liberty St

Patrick Keefer from Lenoir, NC

Caldwell Co.
๐Ÿ“ 534 Connelly Spngs Rd

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 20 contact records for Patrick Keefer across 14 states. The most recent address on file is in Seffner, Florida. Of these records, 12 include phone numbers and 5 include email addresses. Ages range from 56 to 67, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Keefer Patrick Wayne

Hillsborough County
PIN: 20291029D000000000030U
· 705 Camellia Ct, Seffner 33584
Value: $64,019

Keefer Patrick Wayne

Hillsborough County
· 705 Camellia Ct, Brandon 33584.0
Built: 1964.0
Assessed: $127,185

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

Patrick David Keefer

NF Reg: 06/21/2014
744 Easton Rd, Hellertown, PA, 18055
DOB: 05/21/1996

Patrick R Keefer

Republican Reg: 10/17/2015
835 Peach Orchard Rd, McConnellsburg, PA, 17233
DOB: 09/30/1997 Gender: Male

Patrick Keefer

Republican
11100e Dartmouth Ave, Denver, CO, 80014
DOB: 1989 Gender: Male
County: Denver

Patrick W Keefer

705 Camellia Ct, Seffner, , 33584

Patrick James Keefer

Unaffiliated
2106 Townhill Rd, Baltimore, MD, 21234
Gender: Male
County: Baltimore County

Patrick John Keefer

County: Platte

patrick STEPHEN keefer

Democrat Reg: 08/18/2010
149 Freshfield Dr, Hudson, NC, 28638
DOB: 1975 Gender: Male
County: Caldwell

Patrick W Keefer

Reg: 1037275
170 College Hall, 20, 12561
DOB: 19850523 Gender: Male

Patrick R Keefer

835 Peach Orchard Rd
DOB: 09/30/1997 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 9 voter registration records were found for Patrick Keefer in Pennsylvania, Colorado, and 2 other states. Records show affiliations with NF, R, REP, UNA, DEM, which may reflect different individuals or changes over time. 2 registrations are 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 CAMRY
ยท Registered to: Patrick Keefer
ยท VIN: 4T1BF1FK3CU540232
·
149 Freshfield Dr, Hudson, NC, 28638-9290
·
(828) 212-1052
2002 CHEVROLET AVALANCHE FULL SIZE TRUCK
ยท Registered to: Patrick Keefer
ยท VIN: 3GNEC13T42G118857
·
96 Ridge Lake Dr, Manning, SC, 29102
2007 Infiniti G35
ยท Registered to: Patrick Keefer
ยท VIN: JNKBV61E07M722447
·
12723 Cavendish Ct, Fort Wayne, IN, 46845-2340
·
(260) 385-7272
2013 Kia Optima
ยท Registered to: Patrick Keefer
ยท VIN: 5XXGM4A74DG116098
·
Po Box 374, Maricopa, CA, 93252
·
(661) 623-1400
2007 CHEVROLET TAHOE
ยท Registered to: Patrick Keefer
ยท VIN: 1GNFK13057R154240
·
149 Freshfield Dr, Hudson, NC, 28638-9290
2006 Ford Freestyle
ยท Registered to: Patrick Keefer
ยท VIN: 1FMZK01196GA30495
·
705 Camellia Ct, Seffner, FL, 33584
1994 MITSUBISHI GALANT 4DR SEDAN
ยท Registered to: Patrick Keefer
ยท VIN: 4A3AJ56GXRE001270
·
12 W 10th St, Kearney, NE, 68847
2004 FORD EXPLORER
ยท Registered to: Patrick Keefer
·
705 Camellia Ct, Seffner, FL, 33584
ยท Registered to: Patrick Keefer
·
705 Camellia Ct, Seffner, FL, 33584

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 9 vehicle registration records are associated with Patrick Keefer. Registered makes include Toyota, Chevrolet, Infiniti, Kia and others. 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.

Sandline Properties

+19493555391keefer.patrick@gmail.com
Costa Mesa,

Patrick Keefer

Underwriting Chesapeake Employers Insurance Company
Chesapeake Employers' Insurance Company
Westminster, Maryland, United States Insurance

Patrick Keefer

Underwriting Chesapeake Employers Insurance Company
Chesapeake Employers' Insurance Company

Kaplan University

Patrick KeeferManager
(330) 990-1731pkeefer@msn.com
2056 State Route 45 S, Salem, OH44460
kucampus.edu

Patrick Keefer

Advisory Supply Chain Man ยท Poughkeepsie, New York

Greater Long Beach Genito

Patrick KeeferFamily and Consumer Science
(828) 429-7016pkeefer@gmail.com
1209 10th Avenue Dr Se, Hickory, NC28602

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 12 business affiliations were found for Patrick Keefer. Companies include Chesapeake Employers' Insurance Company, Greater Long Beach Genito. Roles listed include Null and Manager. Records are compiled from state business registries, SEC filings, and professional networking databases.

Patrick W Keefer

Addr: 705 Camellia Ct, Seffner, FL 33584

patrick W keefer

Age 48
State Reef Fish Angler - 1 year
Addr: 705 Camellia Ct, Seffner, FL 33584
County: Hillsborough

patrick W keefer

State Reef Fish Angler - 1 year
Addr: Seffner, FL 33584
County: Hillsborough

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Patrick Keefer holds 3 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Patrick Keefer

Newport Harbor High School - Newport Beach, CA, CA
1998

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Patrick Keefer 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.

$50 Jul 25, 2016
2016 12
Clinton, Hillary Rodham
Keefer, Patrick Advisory Scmp @ Ibm Saugerties, NY
$2 Nov 9, 2020
2020 REP
Trump, Donald J
Keefer, Patrick Realtor @ Self Employed Princeville, HI
$50 Sep 24, 2016
2016 12
Clinton, Hillary Rodham
Keefer, Patrick Advisory Scmp @ Ibm Saugerties, NY
$2 Nov 9, 2020
REP
Trump, Donald J
Contributor Realtor @ Self Employed Princeville, HI
$260 May 30, 2024
Unknown Committee
Keefer, Patrick Realtor @ Self Employed Daphne, AL

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 5 political contribution records found for Patrick Keefer. Total disclosed contributions amount to $364. Recipients include Trump, Donald J. Federal law requires disclosure of contributions above $200 to federal candidates.

Patrick R Keefer

License: 1368254 Broker

Source: State Real Estate Commissions ยท NAR License Databases

MP

Patrick Keefer

Male
·
1457 Victoria Dr, Fullerton, CA 92831 (Orange County)
33.8769, -117.9020
· (714) 458-0080
TZ: Pacific
Single Family
MP

Patrick W Keefer

Age 39 Male
·
705 Camellia Ct, Seffner, FL 33584 (Hillsborough County)
27.9691, -82.2863
· (813) 689-7775
Marital: Married TZ: Eastern
Homeowner Single Family Built 1964 Purchased 2006
MP

Patrick Keefer

Age 21 Male
·
621 Banks St, Northampton, PA 18067 (Northampton County)
40.6782, -75.4762
Marital: Single TZ: Eastern
Single Family
MP

Patrick F Keefer

Male
·
50 Oak Knoll Rd, Meredith, NH 03253 (Belknap County)
43.6608, -71.4830
TZ: Eastern
Homeowner Single Family Built 1978 Purchased 2016
MP

Patrick D Keefer

Age 21 Male
·
744 Easton Rd, Hellertown, PA 18055 (Northampton County)
40.5806, -75.3399
· (610) 703-0827
Marital: Married TZ: Eastern
Homeowner Single Family Built 1915 Purchased 1993
MP

Patrick Keefer

Male
·
9228 Abbey Ln, Ypsilanti, MI 48198 (Washtenaw County)
42.2741, -83.5792
TZ: Eastern
Single Family
MP

Patrick L Keefer

Age 59 Male
·
67 Appletree Dr, Saugerties, NY 12477 (Ulster County)
42.0640, -73.9567
· (845) 246-2857
Marital: Married TZ: Eastern
Homeowner Single Family
MP

Patrick Keefer

Male
·
1209 10th Avenue Dr SE, Hickory, NC 28602 (Catawba County)
35.7207, -81.3155
· (828) 429-7016
TZ: Eastern
Single Family
MP

Patrick R Keefer

Age 19 Male
·
835 Peach Orchard Rd, Mc Connellsbg, PA 17233 (Fulton County)
39.9490, -78.0097
· (717) 485-3496
TZ: Eastern
Single Family
MP

Patrick Keefer

Age 59 Male
·
22 Willow Ave, Lebanon, PA 17042 (Lebanon County)
40.3398, -76.4633
· (717) 372-0320
Marital: Married TZ: Eastern
Occ: Professional
Homeowner Single Family Built 1950 Purchased 1949
MP

Patrick Keefer

Male
·
59 Mulford St, Patchogue, NY 11772 (Suffolk County)
40.7577, -73.0152
TZ: Eastern
Homeowner Single Family Purchased 2014
MP

Patrick H Keefer

Age 68 Male
·
2557 26th Ave NE, Hickory, NC 28601 (Catawba County)
35.7633, -81.2806
· (828) 569-2091
Marital: Married TZ: Eastern
Homeowner Single Family Built 2000 Purchased 2009
MP

Patrick L Keefer

Age 71 Male
·
96 Ridge Lake Dr, Manning, SC 29102 (Clarendon County)
33.5756, -80.2176
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family Built 2006 Purchased 2005
MP

Patrick Keefer

Male
·
4 Lincoln Pl, Port Jeff Sta, NY 11776 (Suffolk County)
40.9087, -73.0389
TZ: Eastern
Single Family
MP

Patrick Keefer

Male
·
2106 Townhill Rd, Parkville, MD 21234 (Baltimore County)
39.4026, -76.5394
TZ: Eastern
Multi-Family
MP

Patrick Keefer

Age 20 Male
·
14120 NW 67th Pl, Parkville, MO 64152 (Platte County)
39.2155, -94.7439
· (816) 880-6618
Marital: Single TZ: Central
Homeowner Single Family Built 2000 Purchased 2000
MP

Patrick Keefer

Age 70 Male
·
491 Caswell Ave W, Twin Falls, ID 83301 (Twin Falls County)
42.5742, -114.4870
· (208) 734-3419
Marital: Single TZ: Mountain
Occ: Professional Edu: High School
Single Family
MP

Patrick R Keefer

Male
·
24240 S Canyon Dr, Quail Valley, CA 92587 (Riverside County)
33.7079, -117.2340
TZ: Pacific
Homeowner Single Family Built 1978 Purchased 2009
MP

Patrick Keefer

Age 44 Male
·
988 Shinn Ln, Ripley, WV 25271 (Jackson County)
38.8195, -81.7209
· (304) 372-6401
Marital: Married TZ: Eastern
Edu: High School
Single Family
MP

Patrick R Keefer

Age 52 Male
·
29761 Georgetown Rd, Salem, OH 44460 (Columbiana County)
40.8716, -80.9259
· (330) 692-1703
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1955 Purchased 2005

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 20 demographic profiles associated with Patrick Keefer. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find Patrick Keefer on the map

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Patrick Keefer in Saugerties, NY: Background Summary

Location
67 Appletree Dr,Saugerties, NY 12477, Saugerties, NY
Other Locations
Seffner, FL ยท Manning, SC ยท Costa Mesa, CA and 11 more
Profiles Found
20 people with this name
Phone Numbers
(845) 246-2851 and 12 others on file
Email
pacificp@prodigy.net and 3 others on file
Possible Relatives
Barbara K Tompkins, Maria C Keefer, Roy A Keefer, Michael E Keefer, B Keefer and 2 more
Career
Manager, Marketing Director at Chesapeake Employers' Insurance Company, Greater Long Beach Genito
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
9 linked โ€” 2012 Toyota Camry, 2002 Chevrolet Avalanche and 7 more
Contributions
$364 total โ€” Trump, Donald J
Licenses
2 professional licenses (State Reef Fish Angler - 1 year)

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 Patrick Keefer. Because public records are indexed by name rather than by a unique identifier, the 86 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 Patrick Keefer

Search Complexity: High

86 public records across 21states, belonging to approximately 20 different individuals. With 20 distinct profiles across 21 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 21 states. Highest concentration: North Carolina (12%), followed by Florida and California. Spans the South and Midwest regions.

NC10recordsFL9recordsCA7recordsPA6recordsNY5recordsOH5records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (38%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (12) and Voter Registration Records (9).

24
Contact & Address Records
12
Business & Corporate Filings
9
Voter Registration Records
9
Vehicle Registration Records
5
Political Contribution Records
3
Professional License Records

Age Distribution

Age range: approximately 37 years, suggesting multiple generations. Largest group: Senior (65+) (44%).

Senior (65+)4peopleMiddle-Age (40-64)5people

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

Frequently Asked Questions About Patrick Keefer

Is Patrick Keefer a registered voter?
Yes, voter registration records show Patrick Keefer is registered in Pennsylvania with NF affiliation. We found 9 voter registration entries across 5 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Patrick Keefer own property?
County assessor records show 2 properties associated with Patrick Keefer . 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 Patrick Keefer?
Records show 9 vehicle registrations associated with Patrick Keefer, including a 2012 TOYOTA CAMRY. Registered makes include Toyota, Chevrolet, Infiniti, Kia. 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 Patrick Keefer?
We found 12 business affiliations for Patrick Keefer (null). Other companies include Greater Long Beach Genito. Business records are compiled from state registries, SEC filings, and professional databases.
Has Patrick Keefer made political donations?
FEC disclosure records show 5 reported political contributions from Patrick Keefer, totaling $364. Recipients include Trump, Donald J. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Patrick Keefer?
Our database contains 86 total records for Patrick Keefer spanning 21 states. This includes 20 distinct contact records, 12 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 Patrick Keefer?
The 86 records displayed for Patrick Keefer 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 Patrick Keefer 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.