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Anna Zak from Chicopee, MA

Age 94
📍 6 Daniel Dr, Chicopee, MA 01013
📞 (413) 592-7593, (413) 594-4083, (413) 598-0228
👨‍👩‍👧 Relatives: Stanislaw Zak,Maryanne A Zak,Frank S Zak,Jasen Zak

Anna Zak from New York, NY

Age 46 b. Oct 1979 New York Co.
📍 1115 Fdr Dr Apt 10 A
📞 (503) 882-7346, (541) 882-7346
👤 aka Anna K Zak

Anna Zak from Highland Park, IL

Age 38 b. Apr 1987 Lake Co.
📍 2970 Priscilla Ave
📞 (847) 681-0838

Anna Zak from Chicopee, MA

Age 106 b. Nov 1919 Hampden Co.
📍 66 Loomis Dr
📞 (413) 592-7593

Anna Zak from Farmington, MI

Age 52 b. Jan 1974 Oakland Co.
📍 28494 Lorraine Dr
📞 (248) 478-1128

Anna Zak from Westfield, IN

Age 61 b. Sep 1964 Hamilton Co.
📍 13178 Amundson Dr
📞 (317) 873-1852

Anna Zak from Carmel, IN

Age 61 b. Sep 1964 Hamilton Co.
📍 686 Tappan St 1012
📞 (801) 451-6719

Anna Zak from Brooklyn, NY

Age 52 b. Dec 1973 Kings Co.
📍 2563 E 6th St
📞 (718) 368-4489
👤 aka Anna Stolyar

Anna Zak

📍 3810 Se Overton Dr, Richmond Il
📞 (815) 245-1947, (815) 245-1947
✉️ ANNA@KTRAINOR.COM

Anna Zak from Hartford, CT

Hartford Co.
📍 55 Trumbull St Apt 908
📞 (319) 341-7927

Anna Zak from Burlington, IA

Female
📍 712 E Market St
📞 (319) 601-9494 (SPRINT)

Anna Zak from Davenport, IA

Age 45 b. 1981 Female
📍 6118 Mississippi Ave
📞 (319) 341-7927

Anna Zak from Atlanta, GA

Age 106 b. May 1919 Dekalb Co.
📍 1945 Savoy Dr Apt L 5

Anna Zak from New Kensington, PA

Age 111 b. Apr 1915 Westmoreland Co.
📍 539 6th Ave

Anna Zak from Davidsonville, MD

Age 41 b. May 1984
📍 711 Petersburg Rd
👤 aka Anna Zak, Anna Kolko, Anna P Kolko

Anna Zak from Clifton, NJ

Age 50 b. Apr 1976
📍 90 Marilyn Pl A 25

Anna Zak from Homestead, FL

Age 30 b. Nov 1995
📍 515 Se 37th Pl
👤 aka Anna Zak, Annamari Zak

Anna Zak from Colonia, NJ

Age 32 b. Jul 1993
📍 7 Country Club Dr
👤 aka Anna Zak, Maria Zak

Anna Zak from Key Largo, FL

Age 74 b. Oct 1951 Monroe Co.
📍 77 2nd Ct

Anna Zak from Garfield, NJ

Age 74 b. Jun 1951
📍 219 Ray St
👤 aka Zak Anna

Anna Zak from Gresham, OR

Age 88 b. Oct 1937 Multnomah Co.
📍 18418 Se Tibbetts Ct

Anna Zak from Philadelphia, PA

Age 46 b. Nov 1979 Philadelphia Co.
📍 2055 Cedar St

Anna Zak from Mosinee, WI

Marathon Co.
📍 2048 State Hwy 153
📞 (803) 663-7268

Anna Zak from Philadelphia, PA

Philadelphia Co.
📍 6142 Montague St
📞 (215) 624-6412

Anna Zak from West Hills, CA

Los Angeles Co.
📍 23243 Runnymede St
📞 (818) 366-2790

Anna Zak from Milwaukee, WI

Jul 1899
📍 Milwaukee, WI, 53202

Anna Zak from Garfield, NJ

📍 131 Plauderville Ave 1

Anna Zak from Garfield, NJ

📍 4 Laurel St

Anna Zak from Willoughby, OH

Lake Co.
📍 5106 Strawberry Ln

Anna Zak from Orchard Lake, MI

Oakland Co.
📍 2689 Water Oaks

Anna Zak from Southfield, MI

Oakland Co.
📍 25247 Groden St 110

Anna Zak

📍 Po Box 2251

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 32 contact records for Anna Zak across 16 states. The most recent address on file is in New York, New York. Of these records, 15 include phone numbers and 1 include email addresses. The listed age is 94. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Zak,anna K H/E

Broward County
PIN: 494122320630
· 3899 Sienna Greens Ter, Lauderhill 33319
Value: $120,260

Zak Anna

Orange County
PIN: 282103613100230
· 960 Oakpoint Cir, Apopka
Built: 1987.0
Assessed: $353,558

Zak Anna

Orange County
· 960 Oakpoint Cir, Apopka 32712.0
Built: 1987.0
Assessed: $353,558

Zak, Anna Lynn

Residential Middlesex County
· 55 Sewaren Ave, 070771323

Anna Zak

2024 Orange County
· 9 Seaman, Crawford

Anna Zak

2023 Orange County
· 9 Seaman, Crawford

Anna Zak

2021 Orange County
· 9 Seaman, Crawford

Anna Zak

2022 Orange County
· 9 Seaman, Crawford

Zak, Anna

Doc #2022072701300001
· 91 Barlow Drive North, Brooklyn Ny 11234
Record: P

Zak, Anna

Doc #2009111800932001
Record: P

Zak, Anna

Doc #2022022801336001
Record: P

Zak, Anna

Doc #2022100300677001
· 91 Barlow Drive North, Brooklyn Ny 11234
Record: P

Zak, Anna

Doc #2022021801066001
· 2563 East 6th Street, Brooklyn Ny 11235
Record: P

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 13 property records linked to Anna Zak in Apopka, Brooklyn. Values shown are from county assessor records and may differ from current market prices.

Anna Zak

Unaffiliated
4 Laurel St 2, Garfield, 07026
DOB: 5/12/1983
County: Bergen

Anna Zak

UAF
3266coyote Hills Way, Castle Rock, CO, 80109
DOB: 1997 Gender: Female
County: Douglas

Anna Zak

BLK
2563 East 6 Street, 0, 11235
DOB: 19731221 Gender: Female

Anna Zak

Democrat
9 Seaman Rd, 18, 10919
DOB: 19390107 Gender: Female

Anna K Zak

Democrat
30 Montrose Avenue, 11206
DOB: 19791019 Gender: Female

Anna Zak

Democrat
2911 West 36 Street, 11224
DOB: 19310819 Gender: Female

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

2015 Lincoln Mkc Ls
· Registered to: Anna Zak
· VIN: 5LMCJ1A94FUJ47980
·
960 Oakpoint Circle, Apopka, FL, 32712
2017 LINCOLN MKC LS
· Registered to: Anna Zak
· VIN: 5LMCJ1A94HUJ47980
·
960 Oakpoint Circle, Apopka, FL, 32712

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 2 vehicle registration records are associated with Anna Zak. Registered makes include Lincoln. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Candidate Pool

annazaknyc@gmail.com

New York Dance And Arts Innovations INC

Anna ZakSecretary
New York, NY

Anna Zak

Maryland
LinkedIn

Suddath Relocation Systems

Anna ZakSales Customer
(319) 601-9494azak@goldenstateservices.com
712 E Market St #9, Iowa City, IA52245

New Dance Group Studio Inc

Anna ZakExecutive Director
(212) 719-2733azak@ndg.org
New York, NY

American Dental Association Foundation

Anna ZakMember
(312) 440-2661zaka@ada.org
Chicago, IL

Anna Lynn Zak

Accountant at Lyondel · Greater New York City Area

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 15 business affiliations were found for Anna Zak. Companies include Suddath Relocation Systems, New Dance Group Studio Inc, American Dental Association Foundation. Roles listed include Null and Secretary. Records are compiled from state business registries, SEC filings, and professional networking databases.

Igmanya Billing Services INC.

ID: 2936282
Addr: 1312 Kings Hwy, 3rd Floor, Brooklyn, NEW YORK, 11229
Filed: Jul 29, 2003 NEW YORK New York County
Chairman: Anna Zak

Source: Public Records Anna Zak appears in 1 corporate filing from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Anna Zak

Speech-Language Path
ACTIVE
License # 146011172
Firm: Anna Zak
Addr: Chicago, IL 60614

anna zak

Speech-Language Path
EXPIRED
License # 242001698
Addr: Chicago, IL 60614
County: Cook
Issued: Aug 24, 2010 Exp: Aug 24, 2011

Licensed Professional

Licensed Professional

Source: State Professional Licensing Boards · Dept. of Professional Regulation Anna Zak holds 4 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.

Anna R Zak

Group Tour
Feb 13, 2010, 07:30 AM
· WH

Source: White House Visitor Logs · Obama Administration Transparency Initiative · NARA Anna Zak appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

Anna Zak

Garfield High School - Garfield, NJ, NJ
2002

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Anna Zak 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.

$10 May 29, 2013
2014
Storobin For Nyc
Zak, Anna Brooklyn, NY
$50 Sep 13, 2016
2016
Iowa Dental Political Action Committee
Zak, Anna Davenport, IA
$250 Feb 1, 2003
2004 I
Hochhauser, Joseph K
Zak, Anna Community Liason @ New York State Senate Brooklyn, NY
$25 Nov 5, 2003
2004 I
Davis, Geoffrey A
Zak, Anna Special Assistant @ State Senator Martin Dilan Brooklyn, NY
$50 Oct 25, 2010
2010
Iowa Dental Political Action Committee
Zak, Anna Davenport, IA
$100 Oct 5, 2012
2012
Iowa Dental Political Action Committee
Zak, Anna Davenport, IA
$100 May 10, 2003
2004 I
Dilan, Erik M
Zak, Anna Aide @ Senator Dilan Brooklyn, NY
$50 Sep 13, 2016
Iowa Dental Political Action Committee
Contributor Davenport, IA
$50
2016
Iowa Dental Political Action Committee
Contributor Davenport, IA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 9 political contribution records found for Anna Zak. Total disclosed contributions amount to $685. Recipients include Iowa Dental Political Action Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Anna Zak

Age 37 Female
·
6142 Montague St, Philadelphia, PA 19135 (Philadelphia County)
40.0236, -75.0606
· (267) 249-9821
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1945 Purchased 2000
MP

Anna Zak

Female
·
1000 Westwood Dr, Schaumburg, IL 60173 (Cook County)
42.0743, -88.0555
TZ: Central
Multi-Family
MP

Anna J Zak

Age 35 Female
·
6118 Mississippi Ave, Davenport, IA 52807 (Scott County)
41.5675, -90.5368
· (319) 321-2594
Marital: Single TZ: Central
Homeowner Single Family
MP

Anna Zak

Age 86 Female
·
2911 W 36th St, Brooklyn, NY 11224 (Kings County)
40.5746, -74.0017
· (718) 389-1192
Marital: Married TZ: Eastern
Edu: Some College
Multi-Family
MP

Anna Zak

Age 66 Female
·
219 Ray St, Garfield, NJ 07026 (Bergen County)
40.8879, -74.1183
· (973) 479-2750
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1952 Purchased 1997
MP

Anna Zak

Age 30 Female
·
2970 Priscilla Ave, Highland Park, IL 60035 (Lake County)
42.2058, -87.8222
· (847) 681-0838
TZ: Central
Homeowner Single Family Built 1976 Purchased 2011
MP

Anna S Zak

Age 38 Female
·
116 N Washington Ave, Park Ridge, IL 60068 (Cook County)
42.0125, -87.8260
· (847) 430-3085
TZ: Central
Homeowner Single Family Built 2001 Purchased 2010
MP

Anna Zak

Age 52 Female
·
13178 Amundson Dr, Westfield, IN 46074 (Hamilton County)
39.9787, -86.2219
· (317) 873-1852
Marital: Married TZ: Eastern
Homeowner Single Family Built 2004 Purchased 2004
MP

Anna Zak

Age 78 Female
·
PO Box 41, Bullville, NY 10915 (Orange County)
41.5415, -74.3573
Marital: Inferred Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1957 Purchased 1989
MP

Anna Zak

Female
·
960 Oakpoint Cir, Apopka, FL 32712 (Orange County)
28.6911, -81.4959
TZ: Eastern
Homeowner Single Family Built 1987 Purchased 2016
MP

Anna M Zak

Age 43 Female
·
28494 Lorraine Dr, Farmingtn Hls, MI 48336 (Oakland County)
42.4650, -83.3271
· (248) 478-1128
Marital: Single TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1979 Purchased 1996
MP

Anna Zak

Age 51 Female
·
23243 Runnymede St, West Hills, CA 91307 (Los Angeles County)
34.2054, -118.6340
· (818) 704-4248
Marital: Inferred Married TZ: Pacific
Occ: Professional Edu: High School
Homeowner Single Family Built 1991 Purchased 2004
MP

Anna Y Zak

Age 43 Female
·
2563 E 6th St, Brooklyn, NY 11235 (Kings County)
40.5884, -73.9640
· (718) 368-0577
Marital: Single TZ: Eastern
Homeowner Single Family Purchased 2012
MP

Anna Zak

Age 56 Female
·
3522 S 55th Ct, Cicero, IL 60804 (Cook County)
41.8280, -87.7622
· (708) 912-6456
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1925 Purchased 2012
MP

Anna K Zak

Age 37 Female
·
30 Montrose Ave, Brooklyn, NY 11206 (Kings County)
40.7067, -73.9491
Marital: Single TZ: Eastern
Edu: Some College
Multi-Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 15 demographic profiles associated with Anna Zak. 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 Anna Zak. These loans were issued to businesses, not individuals.

Jaleesa Lipscomb

Sole Proprietorship

$17,915 Paid in Full
Address:
30 Montrose Ave
Brooklyn, NY11206-1957
Approved

May 12, 2021

Forgiven

$18,018

Jobs Reported

1

Loan #

9022418901

Loan Size

Small

Lindsay Park Housing CORP.

Housing Co-op

$1,005,035 Paid in Full
Address:
30 Montrose Ave
Brooklyn, NY11206-1957
Approved

Mar 12, 2021

Forgiven

$1,015,309

Jobs Reported

60

Loan #

1005708602

Loan Size

Medium-Large

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

Find Anna Zak on the map

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Found 68 results across 17 states

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Anna Zak in New York, NY: Background Summary

Location
1115 Fdr Dr Apt 10 A, New York, NY 10009
Other Locations
Highland Park, IL · Chicopee, MA · Farmington, MI and 22 more
Profiles Found
32 people with this name
Phone Numbers
(413) 592-7593 and 13 others on file
Email
anna@ktrainor.com
Possible Relatives
Stanislaw Zak, Maryanne A Zak, Frank S Zak, Jasen Zak
Career
Secretary, Sales Customer at Suddath Relocation Systems, New Dance Group Studio Inc
Voter Registration
Registered Democrat
Properties
5properties owned
Vehicles
2 linked — 2015 Lincoln Mkc Ls, 2017 Lincoln Mkc Ls
Contributions
$685 total — Iowa Dental Political Action Committee, Iowa Dental Political Action Committee
Licenses
2 professional licenses (SPEECH-LANGUAGE PATH)
PPP Loans
$1023K for Jaleesa Lipscomb, Lindsay Park Housing CORP.
White House
1 recorded visit

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 Anna Zak. Because public records are indexed by name rather than by a unique identifier, the 107 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 Anna Zak

Search Complexity: High

107 public records across 17states, belonging to approximately 32 different individuals. With 32 distinct profiles across 17 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Property Ownership Records section may be most helpful for disambiguation because these records list property addresses and co-owners, which can help distinguish between individuals.

Geographic Distribution

Records are widely distributed across 17 states. Highest concentration: New York (11%), followed by Illinois and New Jersey. Spans the Northeast and Midwest regions.

NY12recordsIL11recordsNJ7recordsIA6recordsMA5recordsFL5records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (42%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (15) and Property Ownership Records (13).

38
Contact & Address Records
15
Business & Corporate Filings
13
Property Ownership Records
9
Political Contribution Records
6
Voter Registration Records
4
Professional License Records

Age Distribution

Age range: approximately 80 years, suggesting multiple generations. Largest group: Senior (65+) (36%).

Senior (65+)5peopleMiddle-Age (40-64)6peopleYounger Adult (25-39)3people

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

Frequently Asked Questions About Anna Zak

Is Anna Zak a registered voter?
Yes, voter registration records show Anna Zak is registered with U affiliation. We found 6 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Anna Zak own property?
County assessor records show 13 properties associated with Anna Zak in Apopka, New York and 12 other locations. 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 Anna Zak?
Records show 2 vehicle registrations associated with Anna Zak, including a 2015 Lincoln Mkc Ls. 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 Anna Zak?
We found 15 business affiliations for Anna Zak (null). Other companies include New Dance Group Studio Inc, American Dental Association Foundation. Business records are compiled from state registries, SEC filings, and professional databases.
Has Anna Zak made political donations?
FEC disclosure records show 9 reported political contributions from Anna Zak, totaling $685. Recipients include Iowa Dental Political Action Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Anna Zak?
Our database contains 107 total records for Anna Zak spanning 17 states. This includes 32 distinct contact records, 15 with phone numbers, 1 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 Anna Zak?
The 107 records displayed for Anna Zak 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 Anna Zak 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.