OpenDataUSA

Quick Navigation

Bernard Patten from Seabrook, TX

Age 73
📍 1019 Baronridge Dr, Seabrook, TX 77586
📞 (281) 474-7670, (281) 474-3091, (281) 474-7670
✉️ dadpatten@aol.com
👨‍👩‍👧 Relatives: Allegra Patten,Craig Dustin Patten,Ethel Doudine Patten
🏪 Ancient World Of Texas, Inc

Bernard Patten from Athens, GA

Age 95 b. Jan 1931 Clarke Co.
📍 177 Chinquapin Way
📞 (706) 548-7929, (706) 850-7704, (706) 850-7682

Bernard Patten from Norwood, MA

Age 75
📍 102 Sumner St, Norwood, MA 02062
📞 (508) 230-5341, (781) 769-2520, (781) 769-2520, (617) 769-4314, (508) 230-5341
👨‍👩‍👧 Relatives: Barbara A Patten,Ruth A Patten,David J Patten

Bernard Patten from Norwood, MA

Age 87 b. Jan 1939
📍 102 Sumner St
📞 (440) 835-8028, (781) 789-4183

Bernard Patten from Piercefield, NY

Age 95 b. Jan 1931 Saint Lawrence Co.
📍 Po Box 110
📞 (979) 233-2323

Bernard Patten from Seabrook, TX

Age 84 b. Mar 1941
📍 1019 Baronridge Dr
📞 (281) 474-7670

Bernard Patten from Elmont, NY

Age 99
📍 756 Meacham Ave, Elmont, NY 11003
📞 (516) 561-8203
👨‍👩‍👧 Relatives: K J Patten,Mary T Patten

Bernard Patten from Athens, GA

Age 83
📍 177 Chinquapin Way, Athens, GA 30605
📞 (518) 359-8057, (706) 548-7929, (518) 359-8057, (706) 548-6103, (706) 548-7929
👨‍👩‍👧 Relatives: Marie A Patten
🏪 Ecology Simulations, Inc

Bernard Patten

📍 177 Chinquapin Way, Athens Ga
📞 (706) 410-4724, (706) 410-4724
✉️ MINGRAM4724@GMAIL.COM

Bernard Patten from Bronx, NY

Age 71 b. Jan 1955 Bronx Co.
📍 242 E 2 42

Bernard Patten from Bayfield, CO

0
📍 187 Po Box, Bayfield, CO 81122

Bernard Patten from Mandeville, LA

0
📍 4300 Highway 22, Mandeville, LA 70471

Bernard Patten from Wading River, NY

Suffolk Co.
📍 188 A Old Orchard Rd
📞 (503) 292-4358

Bernard Patten from Little Ferry, NJ

📍 57 Redneck Ave

Bernard Patten from Chandler, AZ

Maricopa Co.
📍 625 N Alma School Rd Apt 13

Bernard Patten from Wading River, NY

Suffolk Co.
📍 188 Old Orchard Rd A

Bernard Patten from Bonita Springs, FL

Lee Co.
📍 10350 Rogers Ln

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 17 contact records for Bernard Patten across 9 states. The most recent address on file is in Athens, Georgia. Of these records, 10 include phone numbers and 2 include email addresses. Ages range from 73 to 99, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Patten, Bernard

Brevard County
PIN: 24 3734CI 58 1022
· 3799 Banana River Blvd S, Cocoa Beach 32931
Value: $135,940

Patten, Bernard

Brevard County
PIN: 24 3734-CI-58-10.22
· 3799 S Banana River Blvd 1022, Mill Cd 26H0
Built: 1980.0
Assessed: $210,930

Patten, Bernard

St-lawrence County
PIN: 180
· 177 Chinquapin Way
Lot: 0sqft

Patten, Bernard

St-lawrence County
PIN: 177
· 177 Chinquapin Way
Lot: 0sqft

Patten Bernard & Josephine

Rockland County
· 35 Dutch Hollow Dr, Orangetown

Bernard Patten

2024 Rockland County
· 24 Moore, Orangetown

Bernard Patten

2021 Rockland County
· 24 Moore, Orangetown

Bernard Patten

2021 Rockland County
· 35 Dutch Hollow, Orangetown

Bernard Patten

2021 St Lawrence County
· 40 Gull Pond, Piercefield

Bernard Patten

2023 St Lawrence County
· 40 Gull Pond, Piercefield

Bernard Patten

2022 St Lawrence County
· 40 Gull Pond, Piercefield

Bernard Patten

2023 Rockland County
· 24 Moore, Orangetown

Bernard Patten

2022 Rockland County
· 24 Moore, Orangetown

Bernard Patten

2024 St Lawrence County
· 40 Gull Pond, Piercefield

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 14 property records linked to Bernard Patten in Orangetown. Values shown are from county assessor records and may differ from current market prices.

Bernard Patten

Athens, 30605
DOB: 1/1/1931 Gender: Male
Congress: 010

Bernard C Patten

Reg: 19681018
177 Chinquapin Way, Athens, 30605
Gender: Male

Bernard Patten

Democrat
35 Dutch Hollow Dr, 17, 10962
DOB: 19550105 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 3 voter registration records were found for Bernard Patten. Party affiliation is listed as DEM. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2003 FORD FOCUS
· Registered to: Bernard Patten
· VIN: 1FAFP34P03W218283
·
24 Moore Ave, Pearl River, NY, 10965
2007 Buick Lucerne
· Registered to: Bernard Patten
· VIN: 1G4HD57277U178823
·
104 Bahama Dr Apt A, Norwood, MA, 02062-3803
2017 Lincoln Continental
· Registered to: Bernard Patten
· VIN: 1LN6L9NC6H5614764
·
1019 Baronridge Dr, El Lago, TX, 77586
·
(409) 632-0205
2004 LINCOLN TOWN CAR 4DR SEDAN
· Registered to: Bernard Patten
· VIN: 1LNHM83W94Y650485
·
1019 Baronridge Dr, Seabrook, TX, 77586
·
(281) 474-7670

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 4 vehicle registration records are associated with Bernard Patten. Registered makes include Ford, Buick, 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.

Secret Sits Pro Musica Ensembles INC

Bernard PattenPresident
Athens, GA

Bernard Patten

Emeritus Regents' Professor At University Of Georgia
University Of Georgia
Athens, Georgia, United States Higher Education
bpatten@uga.edu
LinkedIn

Bernard Patten

Emeritus Regents' Professor At University Of Georgia
University Of Georgia
Georgia
bpatten@uga.edu
LinkedIn

Bernard Patten

United States

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 5 business affiliations were found for Bernard Patten. Companies include University Of Georgia. Roles listed include President. Records are compiled from state business registries, SEC filings, and professional networking databases.

Ancient World Of Texas, INC.

Addr: 1019 Baronridge, Seabrook, TX, 77586
TX
Agent: Bernard Patten

Unknown Corporation

Addr: 1019 Baronridge, Seabrook, TX, 77586
TX
Officer: Bernard M Patten

Source: Public Records Bernard Patten appears in 2 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

bernard M. patten

Deceased

Source: State Professional Licensing Boards · Dept. of Professional Regulation Bernard Patten holds 1 state-issued professional license on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Bernard Patten

Lodi High School - Lodi, NJ, NJ
1948

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Bernard Patten 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.

$1,000 Aug 2, 2015
2016 DEM
Sanders, Bernard
Patten, Bernard Writer @ Self Employed Seabrook, TX
$500 Sep 29, 2018
2018 DEM
O Rourke, Robert Beto
Patten, Bernard Writer @ Self Employed Seabrook, TX
$500 Oct 31, 2008
2008 DEM
Obama, Barack
Patten, Bernard Writer @ Self Employed Seabrook, TX
$50 Feb 2, 2016
2016 DEM
Sanders, Bernard
Patten, Bernard Not Employed Athens, GA
$1,000 Oct 24, 2012
2012
Obama Victory Fund 2012
Patten, Bernard Writer @ Self Employed Seabrook, TX
$500 Oct 26, 2018
2018 DEM
O Rourke, Robert Beto
Patten, Bernard Writer @ Self Employed Seabrook, TX
$500 Sep 29, 2018
2018 DEM
O Rourke, Robert Beto
Patten, Bernard Writer @ Self Employed Seabrook, TX
$1,000 Aug 16, 2012
2012 DEM
Obama, Barack
Patten, Bernard Writer @ Self Employed Seabrook, TX
$1,000 Mar 8, 2008
2008 DEM
Obama, Barack
Patten, Bernard Writer @ Self Employed Seabrook, TX
$25 Sep 17, 2010
2010 DEM
Dnc Services Corporation/Democratic National Committee
Patten, Bernard Writer @ Self Employed Seabrook, TX
$50 Sep 17, 2010
2010 DEM
Dnc Services Corporation/Democratic National Committee
Patten, Bernard Writer @ Self Employed Seabrook, TX
$10 Sep 17, 2010
2010 DEM
Dnc Services Corporation/Democratic National Committee
Patten, Bernard Writer @ Self Employed Seabrook, TX
$500 Oct 26, 2018
2018 DEM
O Rourke, Robert Beto
Patten, Bernard Writer @ Self Employed Seabrook, TX
$1,000 Sep 21, 2012
2012 DEM
Obama, Barack
Patten, Bernard Writer @ Self Employed Seabrook, TX
$1,000 Oct 24, 2012
2012 DEM
Obama, Barack
Patten, Bernard Writer @ Self Employed Seabrook, TX
$5 Sep 17, 2010
2010 DEM
Dnc Services Corporation/Democratic National Committee
Patten, Bernard Writer @ Self Employed Seabrook, TX
$500 Oct 26, 2018
2020 DEM
O Rourke, Robert Beto
Patten, Bernard Writer @ Self Seabrook, TX
$1,000 Aug 2, 2015
2016 DEM
Sanders, Bernard
Patten, Bernard M Writer @ Self Seabrook, TX
$500 Oct 31, 2008
2008 DEM
Dnc Services Corporation/Democratic National Committee
Patten, Bernard Writer @ Self Employed Seabrook, TX
$25 Oct 25, 2008
2008
Moveon.org Political Action
Patten, Bernard Professor @ U Of Ga Athens, GA
$100 Sep 17, 2010
2010 DEM
Dnc Services Corporation/Democratic National Committee
Patten, Bernard Writer @ Self Employed Seabrook, TX
$665 Sep 13, 2010
2010 DEM
Dnc Services Corporation/Democratic National Committee
Patten, Bernard Writer @ Self Employed Seabrook, TX
$1,300 Apr 24, 2008
2008 DEM
Obama, Barack
Patten, Bernard Writer @ Self Employed Seabrook, TX
$1,000 Oct 14, 2015
2016 DEM
Sanders, Bernard
Patten, Bernard Writer @ Self Employed Seabrook, TX
$60 Sep 30, 2012
2012 DEM
Obama, Barack
Patten, Bernard Writer @ Self Seabrook, TX
$75 Sep 17, 2010
2010 DEM
Dnc Services Corporation/Democratic National Committee
Patten, Bernard Writer @ Self Employed Seabrook, TX
$1,000 Oct 4, 2013
2014 DEM
Davis, Wendy R
Patten, Bernard Writer @ Self Seabrook, TX
$2,300 Sep 3, 2008
2008 DEM
Obama, Barack
Patten, Bernard Writer Novels Mainly @ Self Employed Seabrook, TX
$5 Nov 10, 2013
2014 DEM
Davis, Wendy R
Patten, Bernard Writer @ Self Seabrook, TX
$500 Nov 17, 1983
1984 REP
Paul, Ronald E
Patten, Bernard Doctor Seabrook, TX
$50 Feb 2, 2016
DEM
Sanders, Bernard
Contributor Not Employed Athens, GA
$500 Sep 29, 2018
Unknown Committee
Patten, Bernard Writer @ Self Seabrook, TX
$1,000
2014 DEM
Davis, Wendy R
Contributor Writer @ Self Seabrook, TX
$5 20131110
Davis, Wendy R.
Contributor Writer @ Self Seabrook, TX

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 34 political contribution records found for Bernard Patten. Total disclosed contributions amount to $19,225. Recipients include Sanders, Bernard, Davis, Wendy R, Davis, Wendy R.. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Bernard Patten

Male
·
102 Sumner St, Norwood, MA 02062 (Norfolk County)
42.1658, -71.2005
· (781) 789-4183
TZ: Eastern
Single Family
MP

Bernard Patten

Male
·
120 Summerplace Ct, Winterville, GA 30683 (Clarke County)
33.9656, -83.2979
TZ: Eastern
Homeowner Single Family Built 1993 Purchased 2013
MP

Bernard Patten

Male
·
24 Moore Ave, Pearl River, NY 10965 (Rockland County)
41.0646, -74.0226
· (845) 797-7686
TZ: Eastern
Single Family
MP

Bernard Patten

Male
·
233 W 115th St, New York, NY 10026 (New York County)
40.8030, -73.9539
TZ: Eastern
Multi-Family
MP

Bernard M Patten

Age 76 Male
·
1019 Baronridge Dr, Seabrook, TX 77586 (Harris County)
29.5783, -95.0669
· (281) 474-7670
Marital: Married TZ: Central
Occ: Technical Edu: Graduate School
Homeowner Single Family Built 1973 Purchased 1988
MP

Bernard Patten

Male
·
5108 3rd Ave, Los Angeles, CA 90043 (Los Angeles County)
33.9960, -118.3200
Marital: Single TZ: Pacific
Single Family
MP

Bernard Patten

Age 31 Male
·
35 Dutch Hollow Dr, Orangeburg, NY 10962 (Rockland County)
41.0498, -73.9580
· (845) 365-0286
Marital: Married TZ: Eastern
Homeowner Single Family Built 1959 Purchased 2004

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with Bernard Patten. 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 Bernard Patten. These loans were issued to businesses, not individuals.

Ze Yanna Allen

$20,832 Paid in Full
Address:
120 Summerplace Ct
Approved

May 12, 2021

Forgiven

$20,992

Loan #

9320778902

Loan Size

Small

Henning Construction Services Lc

Subchapter S Corporation

$49,632 Paid in Full
Address:
102 Sumner St
Decorah, IA52101-1952
Approved

May 18, 2021

Forgiven

$49,800

Jobs Reported

6

Loan #

3127849003

Loan Size

Small

Henning Construction Services Lc

Subchapter S Corporation

$47,922 Paid in Full
Address:
102 Sumner St
Decorah, IA52101-1952
Approved

Apr 9, 2020

Forgiven

$48,320

Jobs Reported

7

Loan #

9260917004

Loan Size

Small

Pregnancy Resource Connection, INC.

Professional Association

$10,340 Paid in Full
Address:
187 PO Box
Granby, CO80446-0187
Approved

Apr 8, 2020

Forgiven

$10,429

Jobs Reported

2

Loan #

8446997010

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 4 PPP loan records are linked to businesses associated with Bernard Patten. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Bernard Patten 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
1
1
1
1
9
2
7
2
10
10

Found 44 results across 10 states

Fewer
More

Bernard Patten in Athens, GA: Background Summary

Location
177 Chinquapin Way, Athens, GA 30605
Other Locations
Norwood, MA · Piercefield, NY · Seabrook, TX and 5 more
Profiles Found
17 people with this name
Phone Numbers
(281) 474-7670 and 11 others on file
Email
dadpatten@aol.com and 1 other on file
Possible Relatives
Allegra Patten, Craig Dustin Patten, Ethel Doudine Patten, Barbara A Patten, Ruth A Patten and 4 more
Career
President at University Of Georgia
Voter Registration
Registered Democrat
Properties
4properties owned
Vehicles
4 linked — 2003 Ford Focus, 2007 Buick Lucerne and 2 more
Contributions
$19.2K total — Davis, Wendy R, Sanders, Bernard
PPP Loans
$129K for Ze Yanna Allen, Henning Construction Services Lc

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 Bernard Patten. Because public records are indexed by name rather than by a unique identifier, the 101 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 Bernard Patten

Search Complexity: High

101 public records across 10states, belonging to approximately 17 different individuals. With 17 distinct profiles across 10 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 10 states. Highest concentration: Texas (10%), followed by New York and Georgia. Spans the South and Northeast regions.

TX10recordsNY10recordsGA9recordsMA7recordsLA2recordsNJ2records

Record Type Breakdown

Data spans 9 record categories. Largest: Political Contribution Records (37%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (26) and Property Ownership Records (14).

34
Political Contribution Records
26
Contact & Address Records
14
Property Ownership Records
5
Business & Corporate Filings
4
Vehicle Registration Records
4
PPP Loan Records

Frequently Asked Questions About Bernard Patten

Is Bernard Patten a registered voter?
Yes, voter registration records show Bernard Patten is registered. We found 3 voter registration entries across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Bernard Patten own property?
County assessor records show 14 properties associated with Bernard Patten . 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 Bernard Patten?
Records show 4 vehicle registrations associated with Bernard Patten, including a 2003 FORD FOCUS. Registered makes include Ford, Buick, Lincoln. 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 Bernard Patten?
We found 5 business affiliations for Bernard Patten (President). Business records are compiled from state registries, SEC filings, and professional databases.
Has Bernard Patten made political donations?
FEC disclosure records show 34 reported political contributions from Bernard Patten, totaling $19,225. Recipients include Sanders, Bernard and Davis, Wendy R and 1 others. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Bernard Patten?
Our database contains 101 total records for Bernard Patten spanning 10 states. This includes 17 distinct contact records, 10 with phone numbers, 2 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 Bernard Patten?
The 101 records displayed for Bernard Patten 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 Bernard Patten 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.