GOTV Intel

Jennifer Capps Balkcom

State Representative, North Carolina House District 117 · Candidate for North Carolina 11th Congressional District · Republican

On the 2026 ballotCandidate · North Carolina 11th Congressional District · Nov 3 General

Ballot status source: NC State Board of Elections — 2026 general-election candidate list: US HOUSE OF REPRESENTATIVES DISTRICT 11 · read Sep 20, 2026

Order a GOTV Intel ReportGet Alerts on JenniferWho Is Running for This Seat

Running for North Carolina 11th Congressional District, Nov 3 General. The race page has 2 other candidates, 5 certified results. See the race

The District

What North Carolina 11th Congressional District covers

Covers all of Buncombe County, Haywood County, Swain County, Macon County, Jackson County, Cherokee County, Madison County, McDowell County, Transylvania County, Henderson County, Yancey County, Graham County, Avery County, Clay County and Mitchell County; part of Polk County.

Map of North Carolina 11th Congressional District with 289 precincts

289 precincts · District lines: Congressional lines: enacted plan "S.L. 2025-95 Congress" (Senate Bill 249, ratified Oct 22, 2025 as Session Law 2025-95 (not subject to veto)); 2026 status: In effect for the 2026 elections: a federal three-judge panel denied a request to block the districts (Nov 2025). Official file https://webservices.ncleg.gov/ViewBillDocument/2025/7667/0/SL%202025-95%20-%20Shapefile

Key Votes

The record

  • SB 512: Greater Accountability for Boards/Commissions · voted Yes

    Veto Override · House tally Aye 72 – No 44 – Not voting 0 – Exc. absence 4 · PASS · 2023-2024 session (roll call #593, 10/10/2023 1:11 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • HB 618: Charter School Review Board · voted Yes

    Veto Override · House tally Aye 74 – No 45 – Not voting 0 – Exc. absence 1 · PASS · 2023-2024 session (roll call #508, 8/16/2023 4:58 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • HB 237: Various Criminal and Election Law Changes · voted Yes

    Veto Override · House tally Aye 70 – No 46 – Not voting 0 – Exc. absence 4 · PASS · 2023-2024 session (roll call #736, 6/26/2024 5:25 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • HB 149: Disaster Recovery Act of 2024 · voted Yes

    C RPT Adoption · House tally Aye 113 – No 0 – Not voting 0 – Exc. absence 7 · PASS · 2023-2024 session (roll call #797, 10/9/2024 3:04 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • SB 382: Disaster Relief-3/Budget/Various Law Changes · voted Yes

    Veto Override · House tally Aye 72 – No 46 – Not voting 0 – Exc. absence 2 · PASS · 2023-2024 session (roll call #811, 12/11/2024 4:50 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • HB 10: Require ICE Cooperation and Budget Adjustments · voted Yes

    Veto Override · House tally Aye 72 – No 44 – Not voting 0 – Exc. absence 4 · PASS · 2023-2024 session (roll call #802, 11/19/2024 3:02 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • SB 749: No Partisan Advantage in Elections · voted Yes

    Veto Override · House tally Aye 72 – No 44 – Not voting 0 – Exc. absence 4 · PASS · 2023-2024 session (roll call #595, 10/10/2023 1:42 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • SB 747: Elections Law Changes · voted Yes

    Veto Override · House tally Aye 72 – No 44 – Not voting 0 – Exc. absence 4 · PASS · 2023-2024 session (roll call #596, 10/10/2023 2:25 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source
Show all 37 recorded votes

  • SB 41: Guarantee 2nd Amendment Freedom and Protections · voted Yes

    Veto Override · House tally Aye 71 – No 46 – Not voting 0 – Exc. absence 3 · PASS · 2023-2024 session (roll call #140, 3/29/2023 9:40 a.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • HB 76: Access to Healthcare Options · voted No

    Third Reading · House tally Aye 92 – No 22 – Not voting 0 – Exc. absence 5 · PASS · 2023-2024 session (roll call #25, 2/16/2023 10:22 a.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • HB 76: Access to Healthcare Options · voted No

    R3 Ruled Mat'l M11 Concur · House tally Aye 87 – No 24 – Not voting 1 – Exc. absence 8 · PASS · 2023-2024 session (roll call #113, 3/23/2023 10:22 a.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • HB 259: 2023 Appropriations Act · voted Yes

    R3 Ruled Mat'l C RPT Adoption · House tally Aye 70 – No 40 – Not voting 0 – Exc. absence 10 · PASS · 2023-2024 session (roll call #589, 9/22/2023 12:28 a.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • SB 49: Parents' Bill of Rights · voted Yes

    Veto Override · House tally Aye 72 – No 47 – Not voting 0 – Exc. absence 1 · PASS · 2023-2024 session (roll call #522, 8/16/2023 5:57 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • HB 808: Gender Transition/Minors · voted Yes

    Veto Override · House tally Aye 74 – No 45 – Not voting 0 – Exc. absence 1 · PASS · 2023-2024 session (roll call #509, 8/16/2023 5:03 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • SB 20: Care for Women, Children, and Families Act · voted Yes

    Veto Override · House tally Aye 72 – No 48 – Not voting 0 – Exc. absence 0 · PASS · 2023-2024 session (roll call #380, 5/16/2023 8:39 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • HB 574: Fairness in Women's Sports Act · voted Yes

    Veto Override · House tally Aye 74 – No 45 – Not voting 0 – Exc. absence 1 · PASS · 2023-2024 session (roll call #507, 8/16/2023 4:53 p.m.)

    Official · North Carolina General Assembly — House roll call transcript · source

  • SB 558: Eliminating "Diversity, Equity, and Inclusion (DEI)" in Public Higher Educ Veto Override · voted Yes

    Eliminating "Diversity, Equity, and Inclusion (DEI)" in Public Higher Educ Veto Override · House tally Aye 71 – No 47 – Not voting 1 – Exc. absence 1 · PASS · 2025–26 session (roll call #740, 6/24/2026 3:25 PM)

    Official · North Carolina General Assembly — member vote record · source

  • SB 227: Eliminating "Diversity, Equity, and Inclusion (DEI)" in Public Education · voted Yes

    Eliminating "Diversity, Equity, and Inclusion (DEI)" in Public Education. Veto Override · House tally Aye 71 – No 47 – Not voting 1 – Exc. absence 1 · PASS · 2025–26 session (roll call #738, 6/24/2026 3:11 PM)

    Official · North Carolina General Assembly — member vote record · source

  • SB 153: North Carolina Border Protection Act · voted Yes

    North Carolina Border Protection Act. Veto Override · House tally Aye 71 – No 47 – Not voting 1 – Exc. absence 1 · PASS · 2025–26 session (roll call #736, 6/24/2026 3:00 PM)

    Official · North Carolina General Assembly — member vote record · source

  • SB 889: Property Tax Reappraisal Moratorium · voted Yes

    Property Tax Reappraisal Moratorium. Third Reading · House tally Aye 69 – No 43 – Not voting 0 – Exc. absence 8 · PASS · 2025–26 session (roll call #702, 6/10/2026 2:34 PM)

    Official · North Carolina General Assembly — member vote record · source

  • SB 254: Charter School Changes · voted Yes

    Charter School Changes. Veto Override · House tally Aye 74 – No 46 – Not voting 0 – Exc. absence 0 · PASS · 2025–26 session (roll call #590, 7/29/2025 10:39 AM)

    Official · North Carolina General Assembly — member vote record · source

  • SB 416: Personal Privacy Protection Act · voted Yes

    Personal Privacy Protection Act. Veto Override · House tally Aye 74 – No 46 – Not voting 0 – Exc. absence 0 · PASS · 2025–26 session (roll call #588, 7/29/2025 10:28 AM)

    Official · North Carolina General Assembly — member vote record · source

  • SB 266: The Power Bill Reduction Act · voted Yes

    The Power Bill Reduction Act. Veto Override · House tally Aye 74 – No 46 – Not voting 0 – Exc. absence 0 · PASS · 2025–26 session (roll call #586, 7/29/2025 10:21 AM)

    Official · North Carolina General Assembly — member vote record · source

  • SB 257: 2025 Appropriations Act · voted Yes

    2025 Appropriations Act. Third Reading · House tally Aye 86 – No 20 – Not voting 1 – Exc. absence 13 · PASS · 2025–26 session (roll call #392, 5/22/2025 11:16 AM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 958: Election Law Changes · voted Yes

    Election Law Changes. M11 Concur · House tally Aye 62 – No 47 – Not voting 2 – Exc. absence 9 · PASS · 2025–26 session (roll call #801, 8/4/2026 6:26 PM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 171: Equality in State Agencies/Prohibition on Diversity, Equity, and Inclusion Veto Override · voted Yes

    Equality in State Agencies/Prohibition on Diversity, Equity, and Inclusion Veto Override · House tally Aye 71 – No 47 – Not voting 1 – Exc. absence 1 · PASS · 2025–26 session (roll call #734, 6/24/2026 2:46 PM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 1089: Constitutional Amendment Property Tax Levy Limit · voted Yes

    Constitutional Amendment Property Tax Levy Limit. Third Reading · House tally Aye 73 – No 46 – Not voting 0 – Exc. absence 1 · PASS · 2025–26 session (roll call #662, 5/20/2026 12:57 PM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 87: Educational Choice for Children Act (ECCA) · voted Yes

    Educational Choice for Children Act (ECCA). Veto Override · House tally Aye 73 – No 46 – Not voting 0 – Exc. absence 1 · PASS · 2025–26 session (roll call #656, 5/20/2026 11:17 AM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 805: Prevent Sexual Exploitation/Women and Minors · voted Yes

    Prevent Sexual Exploitation/Women and Minors. Veto Override · House tally Aye 72 – No 48 – Not voting 0 – Exc. absence 0 · PASS · 2025–26 session (roll call #584, 7/29/2025 10:05 AM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 549: Clarify Powers of State Auditor · voted Yes

    Clarify Powers of State Auditor. Veto Override · House tally Aye 72 – No 48 – Not voting 0 – Exc. absence 0 · PASS · 2025–26 session (roll call #582, 7/29/2025 9:58 AM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 402: Limit Rules With Substantial Financial Costs · voted Yes

    Limit Rules With Substantial Financial Costs. Veto Override · House tally Aye 73 – No 47 – Not voting 0 – Exc. absence 0 · PASS · 2025–26 session (roll call #580, 7/29/2025 9:51 AM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 318: The Criminal Illegal Alien Enforcement Act · voted Yes

    The Criminal Illegal Alien Enforcement Act. Veto Override · House tally Aye 72 – No 48 – Not voting 0 – Exc. absence 0 · PASS · 2025–26 session (roll call #578, 7/29/2025 9:42 AM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 193: Firearm Law Revisions · voted Yes

    Firearm Law Revisions. Veto Override · House tally Aye 72 – No 48 – Not voting 0 – Exc. absence 0 · PASS · 2025–26 session (roll call #576, 7/29/2025 9:26 AM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 546: Medicaid Modernization · voted Yes

    Medicaid Modernization. R3 Ruled Mat'l M11 Concur · House tally Aye 112 – No 0 – Not voting 3 – Exc. absence 5 · PASS · 2025–26 session (roll call #507, 6/25/2025 3:14 PM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 251: Various Disaster Recovery Reforms · voted Yes

    Various Disaster Recovery Reforms. M11 Concur · House tally Aye 113 – No 1 – Not voting 0 – Exc. absence 6 · PASS · 2025–26 session (roll call #429, 6/17/2025 5:14 PM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 1012: Disaster Recovery Act of 2025 - Part II · voted Yes

    Disaster Recovery Act of 2025 - Part II. A1 Greene Second Reading · House tally Aye 106 – No 0 – Not voting 1 – Exc. absence 13 · PASS · 2025–26 session (roll call #393, 5/22/2025 11:17 AM)

    Official · North Carolina General Assembly — member vote record · source

  • HB 47: Disaster Recovery Act of 2025 - Part I · voted Yes

    Disaster Recovery Act of 2025 - Part I. Second Reading · House tally Aye 116 – No 0 – Not voting 0 – Exc. absence 4 · PASS · 2025–26 session (roll call #5, 2/25/2025 4:57 PM)

    Official · North Carolina General Assembly — member vote record · source

Newest first. A close vote was decided by 5% of the votes cast or less (or 10 votes or fewer, under a fifth of the votes). Broke with party: voted against most of their party, where the record gives the party split.

Committees and Appointments

  • Committee assignments · NC House, 2025–2026 session

    Chairman: Insurance; Appropriations, Agriculture and Natural and Economic Resources. Vice Chairman: Appropriations; House Select Committee on Helene Recovery. Member: Agriculture and Environment; Commerce and Economic Development; Education – K-12. Non-standing: Joint Legislative Commission on Governmental Operations; Joint Legislative Oversight Committee on Capital Improvements. (Confirmed on ncleg.gov 2026-09-24.)

    Official · North Carolina General Assembly — member committee page · source

Their Money

Campaign finance

Last Change
Profile updated · Sep 24
Raised
Not on file
Cash on Hand
Not on file
Next Report Due
Q3 Report · Oct 15

No totals on file from the reports listed below.

Finance Reports

  • Campaign committee registered; no periodic FEC report on file yet

    Checked 2026-09-24: principal campaign committee C00958785 (candidate ID H6NC11321) has no periodic Form 3 report (quarterly or pre-/post-election) covering 2025–26 in the FEC electronic-filing list or the FEC image index, so no receipts, spending or cash on hand have been reported yet. A committee registered after June 30 files its first report with the October Quarterly (due Oct 15, 2026).

    Sep 24, 2026 · Official · Federal Election Commission

  • Campaign committee registered; no periodic FEC report filed yet

    Checked 2026-09-24: FEC docquery filings index for committee C00958785 (BALKCOM FOR CONGRESS), principal campaign committee of candidate ID H6NC11321. It has 2 filing(s) on record and no periodic Form 3 report (quarterly, pre-/post-election) covering 2025–26, so there are no reported receipts, expenditures or campaign contacts yet.

    Sep 24, 2026 · Official · Federal Election Commission

  • Financial disclosure · state SEI not viewable online (NC)

    Exists but not viewable online: as a sitting N.C. House member Jennifer Balkcom files an annual Statement of Economic Interest with the N.C. State Ethics Commission (N.C.G.S. ch. 138A). The Commission states SEIs are public records 'available to the public upon request'; none are posted online (ethics.nc.gov checked 2026-09-24). A records request to SEI@ethics.nc.gov is drafted and awaiting the principal. No U.S. House financial disclosure or threshold notice is on file for this candidate (see the House absence item).

    Sep 24, 2026 · Official · N.C. State Ethics Commission

  • Financial disclosure · no House filing on record

    No record in system: no House financial disclosure report or threshold notice for Jennifer Balkcom (NC-11) in the Clerk's 2025–2026 FD index files (generated 2026-09-23) or the Clerk's live search (last name 'Balkcom', state NC, filing years 2025–2026, checked 2026-09-24).

    Sep 24, 2026 · Official · Clerk of the U.S. House of Representatives

Money shows as the filings named here report it. Payees are who the campaign paid; individual contributors are not shown.

Advertising

Who is advertising for and against Jennifer

  • Advertising summary · for and against (2026 cycle)

    For: own campaign $0 on Google; outside Google ads $92,865–$113,469; Snap $0; broadcast TV pending; FEC independent expenditures $84,836. Against: outside Google ads $0–$0; opponent campaign ads $0–$0; Snap $0; broadcast TV pending; FEC independent expenditures $1,078,051. 2026 cycle. Broadcast TV: not yet searched — not yet counted. Meta not included.

    Sep 23, 2026 · Official · Ads summary (2026 cycle)

  • Google/YouTube ads · NO GOING BACK PAC INC. (supporting)

    NO GOING BACK PAC INC. — supporting this candidate (evidence: schedule e). 22 ads since Nov 2024; spend on these ads $92,865–$113,469 (Google creative spend ranges, geo-allocated); 22 of them also linked to other candidates.

    Sep 23, 2026 · Official · Google Political Ads Transparency Report (bundle updated 2026-09-23 21:37 PT) · source

Independent Expenditures

FEC independent expenditures on file: $455,148 supporting, $3,912,799 opposing, across 52 reports.

  • HMPOpposing · $1,527,693

    5 reports, newest Sep 29, 2026 · Federal Election Commission — electronic filing · newest filing

  • YOUR COMMUNITY PACOpposing · $1,263,255

    5 reports, newest Oct 1, 2026 · Federal Election Commission — electronic filing · newest filing

  • EDF Action VotesOpposing · $451,603

    16 reports, newest Oct 9, 2026 · Federal Election Commission — electronic filing · newest filing

  • SD 2026Opposing · $370,000

    1 report, newest Sep 15, 2026 · Federal Election Commission — electronic filing · newest filing

  • Americans for Prosperity Action, Inc. (AFP Action) DBA CVA Action and DBA LIBRE ActionSupporting · $288,213

    8 reports, newest Oct 7, 2026 · Federal Election Commission — electronic filing · newest filing

  • NRDC Action VotesOpposing · $250,000

    2 reports, newest Sep 29, 2026 · Federal Election Commission — electronic filing · newest filing

  • NO GOING BACK PAC INC.Supporting · $84,837

    3 reports, newest Sep 21, 2026 · Federal Election Commission — electronic filing · newest filing

  • CIVIC RENEWAL FUND INC.Supporting · $82,098

    5 reports, newest Oct 8, 2026 · Federal Election Commission — electronic filing · newest filing

  • Way To Lead PACOpposing · $48,760

    2 reports, newest Sep 26, 2026 · Federal Election Commission — electronic filing · newest filing

  • CAMPAIGN FOR WORKING CLASS COMMUNITIESOpposing · $1,488

    5 reports, newest Aug 30, 2026 · Federal Election Commission — electronic filing · newest filing

Spend as each platform or filing reports it. Each line is a separate measure, and they are not added together.

In Their Words

What they have said, on the record

“He’s not withholding Helene funding. We’ve never — in the state House that I’ve served in — ever withheld Helene funding. We have fought to get Helene funding”
The long muck-out: Helene recovery has progressed slowly over two ...Sep 23, 2026 · Press · Smoky Mountain News · source
“I think the biggest thing in Washington is (Tropical Storm) Helene recovery”
Trump-endorsed Balkcom tells GOP club why ‘common sense’ voters should elect her to Chuck Edwards’ 11th District seatSep 20, 2026 · Press · Asheville Daily Planet · source
“A lot of you know me. I’m an eighth-generation farm girl.”
Trump-endorsed Balkcom tells GOP club why ‘common sense’ voters should elect her to Chuck Edwards’ 11th District seatSep 20, 2026 · Press · Asheville Daily Planet · source
“They want to know that the person asking for their vote isn’t just telling them what they want to hear during an election. They want to see a record. I have that record.”
NRCC adds Balkcom in NC11 race to MAGA Majority programSep 8, 2026 · Press · Carolina Journal · source
“I’m blessed that my campaign has the backing of President Trump and Republican leadership”
NRCC adds Balkcom in NC11 race to MAGA Majority programSep 8, 2026 · Press · Carolina Journal · source
“I think conservative voters across Western North Carolina want something to be excited about again”
NRCC adds Balkcom in NC11 race to MAGA Majority programSep 8, 2026 · Press · Carolina Journal · source
Show all 15 statements
“Let's do more making fertilizers here. Let's build more tractors here. Let's have those parts here, built and bringing jobs back”
Jamie Ager, Jennifer Balkcom share stage in first joint public forum ...Aug 27, 2026 · Press · WLOS News 13 · source
“We have affordability. People are still hurting. People need those things”
Jennifer Balkcom makes first public appearance as GOP nominee in NC-11 raceAug 13, 2026 · Press · WLOS News 13 · source
“In 2016, I saw that they had left me, and I decided to switch parties to Republicans because they represented what I stood for, my morals, and I was ready to go”
Jennifer Balkcom makes first public appearance as GOP nominee in NC-11 raceAug 13, 2026 · Press · WLOS News 13 · source
“My grandfather was a Democrat. My great-grandfather was a Democrat in North Carolina”
Jennifer Balkcom makes first public appearance as GOP nominee in NC-11 raceAug 13, 2026 · Press · WLOS News 13 · source
“Rural health care — that is another thing we’ve got to work on and make it affordable”
Jennifer Balkcom makes first public appearance as GOP nominee in NC-11 raceAug 13, 2026 · Press · WLOS News 13 · source
“That’s why we work together to secure five million from the state”
Jennifer Balkcom makes first public appearance as GOP nominee in NC-11 raceAug 13, 2026 · Press · WLOS News 13 · source
“I hadn’t planned to go to Washington. But I’ve learned throughout my life that when your community needs you, you don’t sit on the sidelines; you step up”
State Rep. Jennifer Balkcom is taking U.S. Rep. Chuck Edwards’ place on the NC-11 ticket. Here’s what that means for her state House seat | WHQRAug 12, 2026 · Press · WHQR · source
“Like many Americans, the Democrat Party left me behind when they abandoned their values and embraced extremism. We’re seeing that extremism play out across the country, as their party nominates radical socialists who want to raise taxes, open our borders, and do away with our way of life”
State Rep. Jennifer Balkcom is taking U.S. Rep. Chuck Edwards’ place on the NC-11 ticket. Here’s what that means for her state House seat | WHQRAug 12, 2026 · Press · WHQR · source
“I’m blessed to receive the Republican nomination for the 11th Congressional District”
Jennifer Balkcom nominated for North Carolina 11th Congressional District | The Tryon Daily BulletinAug 11, 2026 · Press · Tryon Daily Bulletin · source

Interviews and Published Statements

  • U.S. House Candidate Jennifer Balkcom (R-NC) Speaks at Campaign Event

    Campaign event · C-SPAN

    Sep 16, 2026 · Press · C-SPAN · source

  • NC-11 candidate state Rep. Jennifer Balkcom sits down with Carolina Journal

    Studio interview · Carolina Journal

    Sep 16, 2026 · Press · Carolina Journal · source

In the News

Press coverage

Show all 11 articles

Headlines link to the original reporting, captured on the date shown.

Reach Them

Websites and accounts

  • Official Websitencleg.gov/Members/Biography/H/820Official
  • Campaign Websitejenniferbalkcom.comFull-page capture of https://jenniferbalkcom.com/ at 2026-09-24T12:50:09Z UTC. Public metrics: not applicable (website).Sep 24, 2026 · Self-published · Campaign websiteSelf-published
  • Xx.com/JenBalkcomFull-page capture of https://x.com/JenBalkcom at 2026-09-24T12:51:23Z UTC. Public metrics: not extracted this pass (page may show a login wall to logged-out viewers; see screenshot).Sep 24, 2026 · Self-published · XSelf-published

The Paper Trail

Filings, results and exhibits

  • U.S. Representative · NC-11

    Republican · Candidate · On the 2026 ballot

    Sep 19, 2026 · Official · fec-cn26

File read Sep 25, 2026. Each item names its source. Record ID p_dvmndasxx.

GOTV Intel reports are sourced, cited research leads your campaign confirms against the primary record before use. They are never a consumer report and never for employment, credit, insurance, housing or licensure.