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Ryan Rummel

📍 13536 Old China Spring Rd, Waco Tx 76708
📞 (254) 855-4842, (254) 855-4353
✉️ SIMPLECOUNTRYGIRL57@YAHOO.COM

Ryan Rummel

Age 35 b. 1990-10-01
📍 1616 Pierce Avenue Ext, Oxford Ms
📞 (662) 538-5538, (404) 538-5538
✉️ RGRUMMEL@OLEMISS.EDU

Ryan Rummel

📍 13536 Old China Spring Rd, Waco Tx
📞 (254) 855-4842, (254) 855-4353
✉️ SIMPLECOUNTRYGIRL57@YAHOO.COM

Ryan Rummel

Age 38 b. 1988-01-12
📍 2854 Burning Hill St, San Antonio Tx
📞 (210) 844-0955, (210) 360-9080
✉️ RYANRUMMEL@YAHOO.COM

Ryan Rummel

Age 49 b. 1976-05-15
📍 1607 King St, Jacksonville Fl
📞 (904) 981-3871, (904) 981-3871
✉️ none@none.com

Ryan Rummel

Age 41 b. 1985-02-13
📍 837 Wheelock Ave, Hartford Wi
📞 (262) 894-6884, (262) 894-6884
✉️ RYARUM14@GMAIL.COM

Ryan Rummel

📍 3239 Shoshoni Rise, San Antonio Tx
📞 (210) 844-0955, (210) 360-9080
✉️ RYANRUMMEL@YAHOO.COM

Ryan Rummel from Palmer, AK

Age 44 b. 1982 Male
📍 608 E Beaver Ave
📞 (907) 745-9017 (Cell)
✉️ brandyrose_82@hotmail.com

Ryan Rummel from Pecatonica, IL

Age 56 b. 1970 Winnebago Co.
📍 16201 Edwardsville Rd
📞 (815) 247-9100

Ryan Rummel from Toledo, OH

Age 53 b. Mar 1972 Lucas Co.
📍 5644 Plantation Dr
📞 (419) 474-9223

Ryan Rummel from Stockton, CA

Male
📍 8127 Mariners Dr #3301
📞 (209) 769-5571 (VERIZON WIRELESS)

Ryan Rummel from Bradenton, FL

Age 36 b. 1990 Male
📍 10016 Spoonbill Rd E
📞 (404) 285-6444

Ryan Rummel from Stockton, CA

Age 52 b. Jan 1974 San Joaquin Co.
📍 8275 Mariners Dr 302

Ryan Rummel from Jacksonville, FL

Age 49 b. Apr 1976 Duval Co.
📍 1607 King St

Ryan Rummel from Lincoln, NE

Age 52 b. Jan 1974 Lancaster Co.
📍 500 Sortside Dr Unit 35

Ryan Rummel from Seward, IL

Age 53 b. Jul 1972 Winnebago Co.
📍 3214 S Pecatonica Rd

Ryan Rummel from Crozet, VA

Age 64 b. Sep 1961 Albemarle Co.
📍 5705 Oak Dr A

Ryan Rummel from Jacksonville, FL

Age 49 b. Apr 1976 Duval Co.
📍 11957 Tierra Verde Ct

Ryan Rummel from Cincinnati, OH

Hamilton Co.
📍 5562 Verulam Ave

Ryan Rummel from Kearney, NE

Buffalo Co.
📍 1601 University Dr Unit 205

Ryan Rummel from Bayville, NJ

📍 51 Bittern Ln

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 21 contact records for Ryan Rummel across 8 states. The most recent address on file is in Palmer, Alaska. Of these records, 12 include phone numbers and 8 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Rummel Ryan

Mclennan County
PIN: 110596001
· 13536 Old China Spring Rd
Lot: 63,807sqft

Rummel Ryan

Mclennan County
PIN: 110598001
Lot: 171,101sqft

Rummel Ryan

Mclennan County
PIN: 110596001
· 13536 Old China Spring Rd
Lot: 150,038sqft

Rummel Ryan

Mclennan County
PIN: 110597001
· 13536 Old China Spring Rd
Lot: 41,417sqft

Rummel Ryan

Mclennan County
· 13536 Old China Spring Rd, Waco

Rummel, Ryan R

Residential Ocean County
· 1804 Serpentine Dr, 08731

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 6 property records linked to Ryan Rummel in Waco. Values shown are from county assessor records and may differ from current market prices.

Ryan T Rummel

Unaffiliated
15 Martindale Rd, Millburn, 07078
DOB: 10/15/1984
County: Essex

Ryan L Rummel

NF Reg: 03/13/2017
1243 3rd St, Windber, PA, 15963
DOB: 06/22/1993

Ryan Otto Rummel

Unaffiliated
Palmer
Gender: M

Ryan R Rummel

115 SW 254Th St, Newberry, , 326690000

Ryan R Rummel

County: Clay

Ryan L Rummel

1243 3rd St
DOB: 06/22/1993

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 6 voter registration records were found for Ryan Rummel in Pennsylvania, . Records show affiliations with U, NF, which may reflect different individuals or changes over time. 1 registration is currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2010 Chevrolet Silverado 1500
· Registered to: Ryan Rummel
· VIN: 3GCRKSE34AG277456
·
10220 Ne 102nd Ln, Kansas City, MO, 64157-7811
·
(402) 610-4225
2001 TOYOTA ECHO CAR ENTRY LEVEL
· Registered to: Ryan Rummel
· VIN: JTDBT123010197881
·
333 E Bay St, Jacksonville, FL, 32202
2010 Volkswagen Jetta
· Registered to: Ryan Rummel
· VIN: 3VWRJ7AJ0AM014545
·
1841 Timber Ridge Rd, Lincoln, NE, 68522-9162
·
(402) 610-4225
2010 Chevrolet Malibu
· Registered to: Ryan Rummel
· VIN: 1G1ZC5EB3AF288805
·
240 Pember St # 62, Maynard, IA, 52257
1989 HONDA PRELUDE COUPE
· Registered to: Ryan Rummel
· VIN: JHMBA4238KC064985
·
36 Hollyhock Ct Apt D, Fairfield, OH, 45014
· Registered to: Ryan Rummel
·
524 S Grant Ave, Red Lodge, MT, 59068

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 6 vehicle registration records are associated with Ryan Rummel. Registered makes include Chevrolet, Toyota, Volkswagen, Honda. 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.

Ryan Rummel

Oak Bar Manager
+13522838646ryan@oakgainesville.com

Ryan Rummel

Owner
(815) 247-9100
Seward, IL
Agricultural Production - Crops (Agriculture)

Associated Builders & Contractors Of

Ryan RummelDirector
San Antonio, TX

Ryan Rummel

United States
LinkedIn

Sport Clips

Ryan RummelGaming Surveillance Officers and Gaming Investigators
(209) 769-5571amjude@sportclips.com
8127 Mariners Dr #3301, Stockton, CA95219

Laparkan Trading LTD

Ryan RummelBusiness Undergraduate Advising
(815) 866-7381ryanr@flash.net
3214 S Pecatonica Rd, Pecatonica, IL61063
lpkchurch.com

Laparkan Trading LTD

Ryan RummelBusiness Undergraduate Advising
(815) 866-7381ryanr@flash.net
3214 S Pecatonica Rd, Pecatonica, IL61063

Ryan Rummel, CPA

Audit Manager

Laparkan Trading LTD

Ryan RummelBusiness Undergraduate Advising
(815) 866-7381ryanr@flash.net
3214 S Pecatonica Rd, Pecatonica, IL61063

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 31 business affiliations were found for Ryan Rummel. Companies include Ryan Rummel, Sport Clips, Laparkan Trading LTD. Roles listed include Oak Bar Manager and Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: 13536 Old China Spring Rd, Waco, TX, 76708
TX
PRESIDENT: ryan N rummel

Mesquite Creek Properties, LLC

Addr: 13536 Old China Spring Rd, Waco, TX, 76708
TX
Agent: Ryan Rummel

Unknown Corporation

Addr: 13536 Old China Spring Rd, Waco, TX, 76708
TX
Officer: Ryan N. Rummel

Mesquite Creek Properties, LLC

ID: 0801483676
Addr: 13536 Old China Spring Rd, Waco, TX, 76708
TX
PRESIDENT: Ryan N Rummel

Mesquite Creek Properties, LLC

ID: 0801483676
Addr: 13536 Old China Spring Rd, Waco, TX, 76708
TX
SECRETARY: Ryan N Rummel

Source: Public Records Ryan Rummel appears in 5 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Ryan Rummel

Central Regional High School - Bayville, NJ, NJ
1991

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Ryan Rummel 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.

$32 Sep 13, 2019
2020
Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
Rummel, Ryan R Sprinkler Fitter @ Quick Response Fire Prot, INC Forked River, NJ
$26 Nov 16, 2018
2018
Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
Rummel, Ryan R Sprinkler Fitter @ Quick Response Fire Prot, INC Forked River, NJ
$35 Nov 18, 2019
2020
Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
Rummel, Ryan R Sprinkler Fitter @ Quick Response Fire Prot, INC Forked River, NJ
$26 Oct 10, 2017
2018
Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
Rummel, Ryan R Sprinkler Fitter @ Quick Response Fire Prot, INC Forked River, NJ
$34 Sep 12, 2018
2018
Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
Rummel, Ryan R Sprinkler Fitter @ Quick Response Fire Prot, INC Forked River, NJ
$26 Nov 20, 2017
2018
Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
Rummel, Ryan R Sprinkler Fitter @ Quick Response Fire Prot, INC Forked River, NJ
$24 Dec 26, 2019
2020
Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
Rummel, Ryan R Sprinkler Fitter @ Quick Response Fire Prot, INC Forked River, NJ
$27 Oct 9, 2018
2018
Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
Rummel, Ryan R Sprinkler Fitter @ Quick Response Fire Prot, INC Forked River, NJ
$33 Sep 18, 2017
2018
Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
Rummel, Ryan R Sprinkler Fitter @ Quick Response Fire Prot, INC Forked River, NJ
$29 Dec 26, 2017
2018
Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
Rummel, Ryan R Sprinkler Fitter @ Quick Response Fire Prot, INC Forked River, NJ
$26 Oct 10, 2017
Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
Contributor Sprinkler Fitter @ Quick Response Fire Prot, INC Forked River, NJ
$34 Nov 18, 2019
Unknown Committee
Rummel, Ryan R. Sprinkler Fitter @ Quick Response Fire Prot., INC. Forked River, NJ
$250 20190904
South Texas Associated Builders & Contractors, Inc. PAC
Contributor Cpa @ Rsm Us, LLP San Antonio, TX

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 13 political contribution records found for Ryan Rummel. Total disclosed contributions amount to $601. Recipients include Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac, South Texas Associated Builders & Contractors, Inc. PAC. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Ryan R Rummel

Age 44 Male
·
1804 Serpentine Dr, Forked River, NJ 08731 (Ocean County)
39.8499, -74.2134
· (609) 994-3434
Marital: Single TZ: Eastern
Homeowner Single Family Built 1950 Purchased 2007
MP

Ryan N Rummel

Age 33 Male
·
13536 Old China Spring Rd, Waco, TX 76708 (McLennan County)
31.6382, -97.2777
· (254) 855-1170
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Purchased 2007
MP

Ryan Rummel

Age 45 Male
·
16201 Edwardsville Rd, Pecatonica, IL 61063 (Winnebago County)
42.2311, -89.3588
· (815) 247-9100
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Purchased 2004
MP

Ryan Rummel

Male
·
6 Beaver Trl, Red Lodge, MT 59068 (Carbon County)
45.2524, -109.2270
TZ: Mountain
Single Family
MP

Ryan L Rummel

Age 45 Male
·
102 W Main St, Madison, IN 47250 (Jefferson County)
38.7369, -85.2427
Marital: Inferred Single TZ: Eastern
Occ: Professional
Multi-Family
MP

Ryan T Rummel

Age 29 Male
·
15 Martindale Rd, Short Hills, NJ 07078 (Essex County)
40.7463, -74.3118
· (973) 564-8198
Marital: Single TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1939 Purchased 1984
MP

Ryan M Rummel

Age 36 Male
·
116 Michigan St, Westville, IL 61883 (Vermilion County)
40.0307, -87.6378
· (217) 474-8889
Marital: Married TZ: Central
Homeowner Single Family Purchased 2005
MP

Ryan P Rummel

Age 41 Male
·
333 E Bay St, Jacksonville, FL 32202 (Duval County)
30.3255, -81.6542
Marital: Single TZ: Eastern
Edu: Some College
Single Family
MP

Ryan Rummel

Male
·
4624 Hercules Ave, Jacksonville, FL 32205 (Duval County)
30.3060, -81.7253
TZ: Eastern
Homeowner Single Family Built 1939 Purchased 2014
MP

Ryan G Rummel

Age 27 Male
·
10016 Spoonbill Rd E, Bradenton, FL 34209 (Manatee County)
27.4930, -82.6617
· (404) 285-6444
Marital: Single TZ: Eastern
Homeowner Single Family Built 1965 Purchased 2003
MP

Ryan Rummel

Male
·
837 Wheelock Ave, Hartford, WI 53027 (Washington County)
43.3062, -88.3718
TZ: Central
Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 11 demographic profiles associated with Ryan Rummel. 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 Ryan Rummel. These loans were issued to businesses, not individuals.

Riana Buffin

Sole Proprietorship

$20,832 Exemption 4
Address:
8127 Mariners Dr
Stockton, CA95219-4529
Approved

Mar 28, 2021

Jobs Reported

1

Loan #

2380438709

Loan Size

Small

Jessica Dunham

Self-Employed Individuals

$20,833 Paid in Full
Address:
8127 Mariners Dr
Stockton, CA95219-4529
Approved

May 11, 2021

Forgiven

$20,898

Jobs Reported

1

Loan #

8193518907

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 2 PPP loan records are linked to businesses associated with Ryan Rummel. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Ryan Rummel on the map

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Found 48 results across 15 states

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Ryan Rummel in Waco, TX: Background Summary

Location
13536 Old China Spring Rd, Waco Tx 76708, Waco, TX
Other Locations
Palmer, AK · Pecatonica, IL · Toledo, OH and 9 more
Profiles Found
21 people with this name
Phone Numbers
(254) 855-4842 and 12 others on file
Email
simplecountrygirl57@yahoo.com and 5 others on file
Career
Oak Bar Manager, Owner at Ryan Rummel, Sport Clips
Voter Registration
Registered No Party Preference
Properties
4properties owned
Vehicles
6 linked — 2010 Chevrolet Silverado 1500, 2001 Toyota Echo and 4 more
Contributions
$601.4 total — South Texas Associated Builders & Contractors, Inc. PAC, Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac
PPP Loans
$41,665 for Riana Buffin, Jessica Dunham

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 Ryan Rummel. Because public records are indexed by name rather than by a unique identifier, the 102 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 Ryan Rummel

Search Complexity: High

102 public records across 15states, belonging to approximately 21 different individuals. With 21 distinct profiles across 15 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 15 states. Highest concentration: Texas (9%), followed by Illinois and Florida. Spans the Midwest and South regions.

TX9recordsIL9recordsFL7recordsNJ6recordsCA3recordsNE3records

Record Type Breakdown

Data spans 8 record categories. Largest: Business & Corporate Filings (34%), which reveal professional roles and employer history. Also includes Contact & Address Records (21) and Political Contribution Records (13).

31
Business & Corporate Filings
21
Contact & Address Records
13
Political Contribution Records
6
Property Ownership Records
6
Voter Registration Records
6
Vehicle Registration Records

Age Distribution

Age range: approximately 29 years, suggesting multiple generations. Largest group: Senior (65+) (13%).

Senior (65+)1personMiddle-Age (40-64)5peopleYounger Adult (25-39)2people

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

Frequently Asked Questions About Ryan Rummel

Is Ryan Rummel a registered voter?
Yes, voter registration records show Ryan Rummel is registered with U affiliation. We found 6 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Ryan Rummel own property?
County assessor records show 6 properties associated with Ryan Rummel . 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 Ryan Rummel?
Records show 6 vehicle registrations associated with Ryan Rummel, including a 2010 Chevrolet Silverado 1500. Registered makes include Chevrolet, Toyota, Volkswagen, Honda. 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 Ryan Rummel?
We found 31 business affiliations for Ryan Rummel (Oak Bar Manager). Other companies include Sport Clips, LAPARKAN TRADING LTD. Business records are compiled from state registries, SEC filings, and professional databases.
Has Ryan Rummel made political donations?
FEC disclosure records show 13 reported political contributions from Ryan Rummel, totaling $601. Recipients include Road Sprinkler Fitters Local Union No. 669, Ua, Afl Cio Pac and South Texas Associated Builders & Contractors, Inc. PAC. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Ryan Rummel?
Our database contains 102 total records for Ryan Rummel spanning 15 states. This includes 21 distinct contact records, 12 with phone numbers, 8 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 Ryan Rummel?
The 102 records displayed for Ryan Rummel 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 Ryan Rummel 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.