OpenDataUSA

Quick Navigation

Mr Arnold Earl Dyer from Rockford, IL

Age 73 b. 2/4/1953
📍 1560 Red Oak Ln, #rockford, IL 61107-2767
✉️ arnold.dyer@gmail.com
👨‍👩‍👧 Relatives: Alicia K Dyer,Irene Krystyna Dyer,Paul K Dyer,Stefanie Korona Dyer,James G Taylor,Keegan G West,Krystyna L Korona,Leon Korona,Stephanie R Taylor,Alfonsino F Zammuto,Alfonso F Zammuto,Allison M Schiller,Allison Schiller,Andre J Taylor Sr,Ashley L Taylor,Barbara E Taylor,Carol A Taylor,Constance J Taylor,Curt E Nasipak,Daniel P Olsen,Devin R Taylor,James A Taylor,Jerry K Taylor,Joseph R Nasipak,Joseph E Nasipak Jr,Kenneth Neil Taylor,Kristin E Taylor,Kristy M Mccall,Kristy M Taylor,Linda L Atherton,Melissa A Taylor,Melony Taylor,Melony S Taylor,Michelle L Taylor,Nicole Leigh Hansen,Pamala L Taylor,Peggy L Mcginnis,Robert D Taylor,Rodney J Taylor,Roger D Warner,Ronald C Taylor,Ronald L Warner,Scott A Taylor,Shirley E Nasipak,Tamera L Taylor,Zachary J Taylor
🕐 8 previous addresses

Arnold Dyer from Panama City, FL

Age 58
📍 1515 Bob Loftin Rd, Panama City, FL 32405
📞 (850) 873-6124, (850) 874-1783, (702) 651-1787
✉️ leonisedyer@comcast.net
👨‍👩‍👧 Relatives: Joyce Leonise Dyer,Beaulah Dyer,S Dyer,Delando B Dyer,Joyce L Dyer

Arnold Dyer from Hamilton, OH

Age 64
📍 750 Belle Ave, Hamilton, OH 45015
📞 (513) 887-6883, (513) 868-3095
✉️ adyer@cinci.rr.com
👨‍👩‍👧 Relatives: Angela Pullano,Jennifer Helen Novell,Bonita D Dyer,Ruth A Dyer

Arnold Dyer from Rockford, IL

Age 73 b. Feb 1953 Winnebago Co.
📍 1560 Red Oak Ln
📞 (773) 397-3616, (815) 742-1972
👤 aka Arnold E Dyer

Arnold Dyer from Falmouth, MA

Age 107
📍 170 Walker St #607, Falmouth, MA 02540
📞 (508) 548-0194, (508) 548-1153
👨‍👩‍👧 Relatives: Wilbur S Dyer,Ruth L Dyer

Arnold Dyer from Vanceburg, KY

Age 60
📍 Hc 74, Vanceburg, KY 41179
📞 (606) 796-3320
👨‍👩‍👧 Relatives: Rayetta C Dyer,Donald Eugene Dyer,Betty L Dyer,Amanda S Dyer

Arnold Dyer from Andover, MA

Age 74
📍 9 Torr St, Andover, MA 01810
📞 (978) 475-9001, (978) 475-9001
👨‍👩‍👧 Relatives: Francis J Dyer

Arnold Dyer from Rochester, NY

Age 75 b. Nov 1950 Monroe Co.
📍 135 Jordan Ave
📞 (585) 426-6687

Arnold Dyer from Pleasanton, CA

Age 100 b. Apr 1926 Alameda Co.
📍 5006 Hummingbird Rd
📞 (616) 945-3541

Arnold Dyer from Andover, MA

Age 86 b. Jan 1940 Essex Co.
📍 36 Central St
📞 (978) 470-0676

Arnold Dyer from Cleveland, GA

Age 75 b. Jul 1950 White Co.
📍 2257 Westmoreland Rd
📞 (706) 865-5440

Arnold Dyer from Wallingford, CT

Age 83 b. Sep 1942
📍 77 Gopians Trailer Park
📞 (718) 655-0972

Arnold Dyer

📍 11009 18th, Vancouver Wa 98664
📞 (360) 281-6966
✉️ DYERARNOLD379@GMAIL.COM

Arnold Dyer

📍 11009 Se 18th St, Vancouver Wa
📞 (360) 281-6966
✉️ DYERARNOLD379@GMAIL.COM

Arnold Dyer from Buckner, MO

Jackson Co.
📍 26 Hudson
📞 (503) 629-8971

Arnold Dyer from Wallingford, CT

Age 84 b. 1942 Male
📍 230 Main St
📞 (203) 415-4043

Arnold Dyer from Philadelphia, PA

Age 66 b. Sep 1959 Philadelphia Co.
📍 1007 N 68th St

Arnold Dyer from Orlando, FL

Age 113 b. Dec 1912 Orange Co.
📍 7200 Ferrara Ave

Arnold Dyer from Burnett, WI

Age 81 b. Apr 1945 Dodge Co.
📍 6095 W Island Rd

Arnold Dyer from Vanceburg, KY

Age 72 b. Sep 1953 Lewis Co.
📍 Rr 1 Po Box 8

Arnold Dyer from Panama City, FL

Age 70 b. Jun 1956 Bay Co.
📍 1515 Bob Loftin Rd

Arnold Dyer from Hamilton, OH

Age 51 b. Nov 1974 Butler Co.
📍 750 Belle Ave

Arnold Dyer from Punta Gorda, FL

Age 84 b. 1942 Male
📍 24300 Airport Rd Lot 93
📞 (203) 415-4043 (Cell)

Arnold Dyer from Golden Valley, AZ

Mohave Co.
📍 Hc 37 Po Box 311
📞 (941) 678-9422

Arnold Dyer from Kingman, AZ

Mohave Co.
📍 555 3rd Ave
📞 (928) 753-1856

Arnold Dyer from Bangor, ME

Penobscot Co.
📍 979 Essex St 74

Arnold Dyer from Wallingford, CT

📍 770 Gopoians

Arnold Dyer from Falmouth, MA

Barnstable Co.
📍 170 Walker St 607

Arnold Dyer from Bangor, ME

Penobscot Co.
📍 979 Essex St Lot 74

Arnold Dyer from Idabel, OK

Mccurtain Co.
📍 417 Tori Dr

Arnold Dyer from Las Vegas, NV

Clark Co.
📍 12 Falk Dr B

Arnold Dyer from Portland, OR

Multnomah Co.
📍 6514 Se 46th Ave

Arnold Dyer from Philadelphia, PA

Philadelphia Co.
📍 1734 N 61 St St

Arnold Dyer from Idabel, OK

Mccurtain Co.
📍 106 Ne 6th St

Arnold Dyer from Panama City, FL

📍 Panama City, FL, 32405

Arnold Dyer from Vancouver, WA

📍 Vancouver, WA, 98660

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 36 contact records for Arnold Dyer across 18 states. The most recent address on file is in Rockford, Illinois. Of these records, 19 include phone numbers and 5 include email addresses. Ages range from 58 to 107, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Dyer Arnold L

Clark County
· 11009 SE 18th St, Vancouver

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 1 property record linked to Arnold Dyer in Vancouver. Values shown are from county assessor records and may differ from current market prices.

Arnold Dyer

Democrat Reg: 07/24/2001
5634 Baltimore Ave, Philadelphia, PA, 19143
DOB: 11/16/1965 Gender: Male

Arnold R Dyer

6117 Wallace Rd, Panama City, , 32404

Arnold E Dyer

Reg: I01403578
135 Jordan Ave, 26, 14606
DOB: 19501119 Gender: Male

Arnold Lee Dyer

Democrat Reg: 11/25/2015
7008 SW 8th Ave, Portland, OR, 97219
DOB: 1/1/1946
County: Multnomah

Arnold Dyer

5634 Baltimore Ave
DOB: 11/16/1965 Gender: Male

Arnold Lee Dyer

Reg: 11/03/2015
8315 Middle Way, Vancouver, WA, 98664
DOB: 07/22/1946 Gender: Male
County: CR

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 6 voter registration records were found for Arnold Dyer in Pennsylvania, , Oregon and 1 other state. Records show affiliations with D, 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.

2008 JEEP LIBERTY
· Registered to: Arnold Dyer
· VIN: 1J8GN28K18W176400
·
1560 Red Oak Ln, Rockford, IL, 61107-2767
·
(815) 397-3616
2008 Dodge Ram 1500
· Registered to: Arnold Dyer
· VIN: 1D7HU182X8J240073
·
1560 Red Oak Ln, Rockford, IL, 61107-2767
·
(815) 397-3616
2007 VOLVO S40
· Registered to: Arnold Dyer
· VIN: YV1MS390272267715
·
7008 SW 8th Ave, Portland, OR, 97219-2112

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 3 vehicle registration records are associated with Arnold Dyer. Registered makes include Jeep, Dodge, Volvo. The most recent model year on record is 2008. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Arnold Dyer

Forester At
Kanha Pipes Pvt LTD
Atlanta, Georgia, United States Electrical/Electronic Manufacturing
LinkedIn

Arnold Dyer

Forester At
Kanha Pipes Pvt LTD
Georgia
LinkedIn

Viridare.com

Arnold DyerTeacher
(513) 887-6883adyer@cinci.rr.com
750 Belle Ave, Hamilton, OH45015
viridare.com

Arnold Dyer

Greater Atlanta Area

Viridare.com

Arnold DyerTeacher
(513) 887-6883adyer@cinci.rr.com
750 Belle Ave, Hamilton, OH45015

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 8 business affiliations were found for Arnold Dyer. Companies include Kanha Pipes Pvt LTD, Viridare.com. Roles listed include Teacher and Publisher. Records are compiled from state business registries, SEC filings, and professional networking databases.

Arnold Dyer

Cohen High School - New Orleans, LA, LA
1974

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Arnold Dyer 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.

$75 Jul 10, 2017
2018 DEM
Orange, Don
Dyer, Arnold Vancouver, WA
$100 Jun 30, 2020
2020 DEM
Biden, Joe
Dyer, Arnold Not Employed Vancouver, WA
$75 Jul 10, 2017
DEM
Orange, Don
Contributor Vancouver, WA
$75
2018 DEM
Orange, Don
Contributor Vancouver, WA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 4 political contribution records found for Arnold Dyer. Total disclosed contributions amount to $325. Recipients include Orange, Don. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Arnold Dyer

Male
·
2217 NE 179th St, Ridgefield, WA 98642 (Clark County)
45.7504, -122.6940
TZ: Pacific
Multi-Family
MP

Arnold Dyer

Age 51 Male
·
5634 Baltimore Ave, Philadelphia, PA 19143 (Philadelphia County)
39.9465, -75.2368
· (215) 476-3280
Marital: Married TZ: Eastern
Edu: High School
Single Family
MP

Arnold E Dyer

Age 44 Male
·
1560 Red Oak Ln, Rockford, IL 61107 (Winnebago County)
42.2862, -88.9773
· (815) 742-1972
Marital: Married TZ: Central
Homeowner Single Family
MP

Arnold Dyer

Age 66 Male
·
2257 Westmoreland Rd, Cleveland, GA 30528 (White County)
34.5374, -83.7674
· (706) 865-5440
Marital: Married TZ: Eastern
Occ: Service Industry Edu: High School
Homeowner Single Family Built 1950 Purchased 1998
MP

Arnold R Dyer

Age 61 Male
·
1970 W Beaman Cir, Cordova, TN 38016 (Shelby County)
35.1791, -89.8171
Marital: Married TZ: Central
Occ: Insurance Edu: Some College
Multi-Family
MP

Arnold L Dyer

Age 71 Male
·
8315 SE Middle Way, Vancouver, WA 98664 (Clark County)
45.6225, -122.5659
Marital: Single TZ: Pacific
MP

Arnold Dyer

Age 74 Male
·
1739 N 61st St, Philadelphia, PA 19151 (Philadelphia County)
39.9781, -75.2424
· (215) 477-8946
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1925 Purchased 2005
MP

Arnold R Dyer

Age 67 Male
·
750 Belle Ave, Hamilton, OH 45015 (Butler County)
39.3741, -84.5540
· (513) 887-6883
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1930 Purchased 2013
MP

Arnold Dyer

Age 81 Male
·
2668 Old Cedartown Rd SE, Lindale, GA 30147 (Floyd County)
34.1361, -85.2127
· (706) 234-8700
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1969
MP

Arnold Dyer

Male
·
1939 S Village Green St, Harvey, LA 70058 (Jefferson County)
29.8590, -90.0490
TZ: Central
Single Family
MP

Arnold M Dyer

Age 72 Male
·
W6095 Island Rd, Burnett, WI 53922 (Dodge County)
43.5172, -88.7053
· (920) 539-0592
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family
MP

Arnold Dyer

Age 75 Male
·
85 Grove St, Wallingford, CT 06492 (New Haven County)
41.4965, -72.8297
· (203) 269-7620
Marital: Married TZ: Eastern
Edu: High School
Single Family
MP

Arnold Dyer

Age 64 Male
·
PO Box 28157, Kansas City, MO 64188 (Clay County)
39.2237, -94.5852
· (816) 262-1333
Marital: Married TZ: Central
Edu: High School

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 13 demographic profiles associated with Arnold Dyer. 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 Arnold Dyer. These loans were issued to businesses, not individuals.

Grove Street Christian Church Of The City Of Tonawanda

Non-Profit Organization

$15,617 Paid in Full
Address:
85 Grove St
Tonawanda, NY14150-3404
Approved

Jun 3, 2020

Forgiven

$15,732

Jobs Reported

1

Loan #

7410997809

Loan Size

Small

Grove Street Christian Church Of The City Of Tonawanda

Non-Profit Organization

$10,418 Paid in Full
Address:
85 Grove St
Tonawanda, NY14150-3404
Approved

Mar 18, 2021

Forgiven

$10,546

Jobs Reported

4

Loan #

4661078605

Loan Size

Small

Appropriate Solutions INC

Corporation

$45,345 Paid in Full
Address:
85 Grove St
Peterborough, NH03458-1427
Approved

Feb 25, 2021

Forgiven

$45,675

Jobs Reported

3

Loan #

4328678506

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 3 PPP loan records are linked to businesses associated with Arnold Dyer. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Arnold Dyer on the map

Blank map of the United States, territories not included Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
2
1
4
5
3
6
3
2
8
2
3
1
2
7
2
3
5
1
7
2

Found 69 results across 20 states

Fewer
More

Arnold Dyer in IL: Background Summary

Location
1560 Red Oak Ln Rockford, IL 61107-2767
Other Locations
Rockford, IL · Rochester, NY · Pleasanton, CA and 19 more
Profiles Found
36 people with this name
Phone Numbers
(815) 397-3616 and 17 others on file
Email
arnold.dyer@gmail.com and 3 others on file
Possible Relatives
Alicia K Dyer, Irene Krystyna Dyer, Paul K Dyer, Stefanie Korona Dyer, James G Taylor and 57 more
Career
Teacher, Publisher at Kanha Pipes Pvt LTD, Viridare.com
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
3 linked — 2008 Jeep Liberty, 2008 Dodge Ram 1500 and 1 more
Contributions
$325 total — Orange, Don, Orange, Don
PPP Loans
$71,380 for Grove Street Christian Church Of The City Of Tonawanda, Grove Street Christian Church Of The City Of Tonawanda

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 Arnold Dyer. Because public records are indexed by name rather than by a unique identifier, the 83 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 Arnold Dyer

Search Complexity: High

83 public records across 20states, belonging to approximately 36 different individuals. With 36 distinct profiles across 20 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 — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 20 states. Highest concentration: Massachusetts (10%), followed by Ohio and Washington. Spans the Northeast and Midwest regions.

MA8recordsOH7recordsWA7recordsIL6recordsFL5recordsPA5records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (64%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (8) and Voter Registration Records (6).

44
Contact & Address Records
8
Business & Corporate Filings
6
Voter Registration Records
4
Political Contribution Records
3
Vehicle Registration Records
3
PPP Loan Records

Age Distribution

Age range: approximately 62 years, suggesting multiple generations. Largest group: Senior (65+) (73%).

Senior (65+)11peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Arnold Dyer

Is Arnold Dyer a registered voter?
Yes, voter registration records show Arnold Dyer is registered in Pennsylvania with D affiliation. We found 6 voter registration entries across 4 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Arnold Dyer own property?
County assessor records show 1 property associated with Arnold Dyer . 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 Arnold Dyer?
Records show 3 vehicle registrations associated with Arnold Dyer, including a 2008 JEEP LIBERTY. Registered makes include Jeep, Dodge, Volvo. 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 Arnold Dyer?
We found 8 business affiliations for Arnold Dyer, including kanha pipes pvt ltd. Other companies include Viridare.com. Business records are compiled from state registries, SEC filings, and professional databases.
Has Arnold Dyer made political donations?
FEC disclosure records show 4 reported political contributions from Arnold Dyer, totaling $325. Recipients include Orange, Don. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Arnold Dyer?
Our database contains 83 total records for Arnold Dyer spanning 20 states. This includes 36 distinct contact records, 19 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 Arnold Dyer?
The 83 records displayed for Arnold Dyer 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 Arnold Dyer 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.