Bill Spicer

Age 80 b. 1946-03-10
๐Ÿ“ 4504 Wembley Ct, Mckinney Tx 75070
๐Ÿ“ž (214) 404-8808, (972) 529-9198
โœ‰๏ธ BILL.SPICER@SBCGLOBAL.NET, bill.spicer@sbcglobal.net

Bill Spicer

Age 58 b. 1967-03-14
๐Ÿ“ 6717 88th St, Lubbock Tx
๐Ÿ“ž (806) 783-9608, (806) 544-1813
โœ‰๏ธ BILLLSPICER@HOTMAII.COM

Bill Spicer

Age 77 b. 1948-08-13
๐Ÿ“ 636 S Mitchell Ave, Elmhurst Il
๐Ÿ“ž (630) 484-7026, (630) 832-0211
โœ‰๏ธ ASTAR14@ATT.NET

Bill Spicer from Fremont, IN

Age 71
๐Ÿ“ 195 Lane 201a Lake George, Fremont, IN 46737
๐Ÿ“ž (260) 665-2966, (260) 833-6326, (260) 833-6326, (260) 925-9714, (260) 665-2966
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Krystal Dawn Spicer,Rae Marie Spicer,Randy D Spicer,Donna L Spicer,William Spicer,Lrystal D Spicer

Bill Spicer from Angola, IN

Age 83 b. Feb 1943 Steuben Co.
๐Ÿ“ 3355 W Loon Lake Rd
๐Ÿ“ž (260) 665-2966

Bill Spicer

๐Ÿ“ 88 Cole St, Seekonk Ma
๐Ÿ“ž (508) 336-2614, (508) 326-7291
โœ‰๏ธ KSPICER6463@VERIZON.NET

Bill Spicer from Stockton, CA

San Joaquin Co.
๐Ÿ“ 6706 Tam O Shanter Dr
๐Ÿ“ž (734) 424-2666, (209) 482-2838
๐Ÿ‘ค aka Bill Spicer

Bill Spicer from Cedar Rapids, IA

Age 71 b. Jun 1954 Linn Co.
๐Ÿ“ 200 1st Ave Ne Apt 813
๐Ÿ“ž (319) 366-1176

Bill Spicer from Exeter, RI

Age 70 b. 1956 Washington Co.
๐Ÿ“ 276 Widow Sweets Rd
๐Ÿ“ž (401) 295-0339

Bill Spicer from Tulsa, OK

Age 97 b. Sep 1928 Tulsa Co.
๐Ÿ“ 1710 E 71 St St N
๐Ÿ“ž (918) 425-1171

Bill Spicer from Tulsa, OK

Age 99 b. Sep 1926 Tulsa Co.
๐Ÿ“ 1710 E 71st St N
๐Ÿ“ž (918) 425-1171

Bill Spicer

๐Ÿ“ 6034 Turnkey Rd Ne, Moses Lake Wa
๐Ÿ“ž (509) 762-6065, (509) 762-6065
โœ‰๏ธ BILLMYLOVER@YAHOO.COM

Bill Spicer from S Lake Tahoe, CA

El Dorado Co.
๐Ÿ“ 2520 Lake Tahoe Blvd
๐Ÿ“ž (517) 467-2527

Bill Spicer from Osage City, KS

Age 76 b. 1950 Male
๐Ÿ“ 20938 S Us Highway 56
๐Ÿ“ž (785) 528-3728

Bill Spicer from Seymour, IN

Age 54 b. Jun 1971 Jackson Co.
๐Ÿ“ 487 Us Hwy

Bill Spicer from Scottsburg, IN

Age 88 b. Oct 1937
๐Ÿ“ 1100 N Gardner St

Bill Spicer from Bellefonte, PA

Age 69 b. Jun 1956 Centre Co.
๐Ÿ“ 126 Capparella Dr

Bill Spicer from Waynesville, MO

Age 73 b. Sep 1952 Pulaski Co.
๐Ÿ“ 90882 Laramie Rd

Bill Spicer from Moses Lake, WA

Age 69 b. Sep 1956 Grant Co.
๐Ÿ“ 6044 Turnkey Rd

Bill Spicer from Reseda, CA

Age 85 b. Dec 1940 Los Angeles Co.
๐Ÿ“ 7232 Hesperia Ave

Bill Spicer from Aurora, CO

0
๐Ÿ“ 10500 7th Ave, Aurora, CO 80010

Bill Spicer from Incline Village, NV

0
๐Ÿ“ 4582 Po Box, Incline Village, NV 89450

Bill Spicer from Tacoma, WA

Pierce Co.
๐Ÿ“ 6605 6th Ave 1
๐Ÿ“ž (843) 752-7573

Bill Spicer from Loveland, OH

Clermont Co.
๐Ÿ“ 1197 Sovereign Dr
๐Ÿ“ž (513) 248-2684

Bill Spicer from Casper, WY

Natrona Co.
๐Ÿ“ 3321 Carmel Dr
๐Ÿ“ž (307) 237-1448

Bill Spicer from Stockton, CA

San Joaquin Co.
๐Ÿ“ 503 E Longview Ave
๐Ÿ‘ค aka Spicer Bill

Bill Spicer from Allen, TX

Collin Co.
๐Ÿ“ 209 Willow Creek Ci

Bill Spicer from Delmar, MD

Wicomico Co.
๐Ÿ“ 12 Chestnut St B 12

Bill Spicer from Osage City, KS

Osage Co.
๐Ÿ“ 20938 W Hwy K 31 56

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 29 contact records for Bill Spicer across 15 states. The most recent address on file is in Angola, Indiana. Of these records, 17 include phone numbers and 5 include email addresses. The listed age is 71. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

2006 Volkswagen New Beetle
ยท Registered to: Bill Spicer
ยท VIN: 3VWRW31CX6M410730
·
1298 Patterson Bluff Rd, Scranton, AR, 72863
·
(479) 938-7453
2004 CADILLAC DEVILLE CAR MID LUXURY
ยท Registered to: Bill Spicer
ยท VIN: 1G6KE57Y14U243563
·
604 Clearwood Dr, Richardson, TX, 75081
2007 CHEVROLET SUBURBAN
ยท Registered to: Bill Spicer
ยท VIN: 1GNFK16327R183698
·
5147 Sunnybrook Ct, Cape Coral, FL, 33904-5828
·
(519) 421-0550
2011 Chevrolet Silverado 1500
ยท Registered to: Bill Spicer
ยท VIN: 3GCPCSE0XBG358473
·
23868 White Oak Ct, Porter, TX, 77365-5120
2004 GMC Sierra 2500HD
ยท Registered to: Bill Spicer
ยท VIN: 1GTHK29164E184132
·
3321 Carmel Dr, Casper, WY, 82604
·
(307) 472-2125
2001 CHEVROLET MALIBU 4DR SEDAN
ยท Registered to: Bill Spicer
ยท VIN: 1G1ND52J516207312
·
115 Court K, La Grange, KY, 40031
2001 DODGE RAM TRUCK PICKUP
ยท Registered to: Bill Spicer
ยท VIN: 3B7HF13Z71G221271
·
316 Turtle Creek Dr, McKinney, TX, 75070
2008 GMC Yukon
ยท Registered to: Bill Spicer
ยท VIN: 1GKFC13058J214768
·
Po Box 193, Rosebud, TX, 76570

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 8 vehicle registration records are associated with Bill Spicer. Registered makes include Volkswagen, Cadillac, Chevrolet, Gmc and others. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Lundin Mining Corp

bill.spicer@lundinmining.com
Toronto,

Billy Spicer

Owner
(479) 938-2862
Scranton, AR
Agricultural Production - Animal and Livestock Specialties (Agriculture)

UPS Store

Manager
(307) 472-2125
Casper, WY
Business Services (Services)

Cook Elementary School

Principal
(479) 646-8880
Fort Smith, AR
Educational Services (Services)

Circle S Bluff

Manager
(479) 938-7000
Scranton, AR
Food Stores (Food)

Bill Spicer

(401) 295-0339
Exeter, RI
Business Services (Services)

Kids Exchange

Owner
(530) 541-7640SB@sakidsexchange.org
South Lake Tahoe, CA
Apparel and Accessory Stores (Stores)

Handyworks

Owner
(814) 355-8060
Bellefonte, PA
Building Construction - Operative Builders and General Contractors (Construction)

Elmer Cook Elementary School

Principal
(479) 646-8880
Fort Smith, AR
Educational Services (Services)

Arlington Hts Yuth Athc Asscia

President
(847) 870-0081
Arlington Heights, IL
Amusement and Recreation Services (Services)

Spicer Productions Inc

Owner
(410) 298-1200sharon@spicerpro.com
Baltimore, MD
Motion Pictures (Entertainment)

Spicer Productions Inc

Bill SpicerOwner
+1.410.298.1200bill.spicer@spicerpro.com
Baltimore, MD21207-4021

Bill Spicer

Bill Spicer
(313) 928-6627bdspicer@glblnet.com
Allen Park, MI48101

Cannon Cochran Management Services, Inc.

Bill Spicer
bspicer@ccmsi.com
Danville, IL61832

Hornell Lodge No 210-Loyal Order Of Moose

Bill SpicerSgt-At-Arms
Hornell, NY

Bill Spicer

Arkansas

Finelinenthings.com

Bill SpicerMetal and Plastic
(303) 263-7125bill.spicer@finelinenthings.com
1710 Platte St, Denver, CO80202

Go West

Bill SpicerPresident
(281) 354-6943dillon@cts.com
23868 White Oak Ct, Porter, TX77365
gowestboots.com

Marriott International Inc

Bill SpicerGeneral Manager
(301) 380-3000william.spicer@marriott.com
Bethesda, MD

Handyworks Accu Spec Home Inspctns

Bill SpicerOwner
(814) 355-8060accuspechome@msn.com
Bellefonte, PA

Harmony9

Bill SpicerMusical Director
(401) 942-9883music@harmony9.org
Cranston, RI

Cook Elementary School

Bill SpicerPrincipal
(479) 646-8880bspicer@fortsmithschools.org
Fort Smith, AR

Xtra Mart

Bill SpicerSite Manager
(607) 656-4359
Greene, NY

Spicer Productions Inc

Bill SpicerOwner
(410) 298-1200bill.spicer@spicerpro.com
Baltimore, MD

BILL Spicer

Independent Manufacturing En ยท Fremont, California

Plough Electric Supply CO

Bill SpicerChange Manager
(303) 263-7125bill.spicer@yahoo.com
1710 Platte St, Denver, CO80202

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 95 business affiliations were found for Bill Spicer. Companies include Billy Spicer, UPS Store, Cook Elementary School and 14 more. Roles listed include Null and Vice President And Information Technology Officer. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Business Development Corporation/Cooperative Corporation/Federally Chartered Company/Foreign Corporation/Kentucky Corporation/Professional Services Corporation/Foreign Professional Services Corp./Kentucky Professional Services Corp/Kentucky Cooperative Corporation/Foreign Cooperative Corporation/Kentucky Mutual Insurance Co./Foreign Mutual Insurance Co.
Officer: Bill Spicer

Unknown Corporation

Addr: 5301 Legacy Drive, Plano, TX, 75024
TX
Director: Bill Spicer

The Scovell Scholarship Foundation

Addr: 5301 Legacy Drive, Plano, TX, 75024
TX
Director: Bill Spicer

The Scovell Scholarship Foundation

ID: 0158047501
Addr: 5301 Legacy Drive, Plano, TX, 75024
TX
Director: Bill Spicer

Cotton Bowl Athletic Association

ID: 0007068301
Addr: 1717 Angel Parkway, Pmb 111, Allen, TX, 75002
TX
Director: Bill Spicer

Unknown Corporation

Officer: Bill Spicer
Registered Agent: Bill Spicer

Unknown Corporation

Officer: Bill Spicer

Source: Public Records Bill Spicer appears in 7 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$200 Dec 31, 2007
2008 DEM
Harris, Jeff
Spicer, Bill Retired Columbia, MO
$200 Aug 7, 1993
1994 REP
Lawrence, Michelle Marie
Spicer, Bill Denver, CO
$25 Jan 31, 2014
2014
Off The Sidelines Pac
Spicer, Bill Not Employed McGraw, NY
$50 Apr 14, 2011
2012
A Shore Team Slate
Spicer, Bill Church Creek, MD
$200 Jul 17, 2008
2008 DEM
Harris, Jeff
Spicer, Bill Retired Columbia, MO
$300 Sep 7, 2002
2002 DEM
Kindle, Michael J
Spicer, Bill Businessman @ Self Unreadable, CT
$200 Aug 7, 1993
REP
Lawrence, Michelle Marie
Contributor Denver, CO
$200 Aug 7, 1993
Unknown Committee
Spicer, Bill Denver, CO
$200
2008 D
Harris, Jeff
Contributor Retired Columbia, MO

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 9 political contribution records found for Bill Spicer. Total disclosed contributions amount to $1,575. Recipients include Lawrence, Michelle Marie, Harris, Jeff. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Bill Spicer

Male
·
3355 W Loon Lake Rd, Angola, IN 46703 (Steuben County)
41.6454, -85.0569
· (260) 833-6326
TZ: Eastern
Homeowner Single Family Built 1992
MP

Bill Spicer

Age 60 Male
·
1303 Hickory St, Cave Springs, AR 72718 (Benton County)
36.2758, -94.2038
· (501) 940-9654
Marital: Married TZ: Central
Edu: High School
Single Family
MP

Bill Spicer

Age 75 Male
·
333 N Portage Path, Akron, OH 44303 (Summit County)
41.1059, -81.5478
· (330) 836-9633
Marital: Single TZ: Eastern
Homeowner Multi-Family Built 1980 Purchased 2001
MP

Bill Spicer

Age 59 Male
·
6034 Turnkey Rd NE, Moses Lake, WA 98837 (Grant County)
47.1762, -119.3200
· (509) 760-6427
Marital: Inferred Married TZ: Pacific
Edu: High School
Homeowner Single Family Built 1979
MP

Bill Spicer

Age 79 Male
·
1100 N Gardner St, Scottsburg, IN 47170 (Scott County)
38.6681, -85.7749
Marital: Single TZ: Eastern
Single Family
MP

Bill R Spicer

Age 71 Male
·
23868 White Oak Ct, Porter, TX 77365 (Montgomery County)
30.0998, -95.2015
· (281) 773-6217
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1979
MP

Bill Spicer

Age 67 Male
·
20938 S US Highway 56, Osage City, KS 66523 (Osage County)
38.6763, -95.8756
· (785) 528-3728
Marital: Inferred Married TZ: Central
Homeowner Single Family Built 1936
MP

Bill Spicer

Age 71 Male
·
276 Widow Sweets Rd, Exeter, RI 02822 (Washington County)
41.5866, -71.5917
· (401) 295-0339
Marital: Married TZ: Eastern
Occ: White Collar Edu: High School
Homeowner Single Family Built 1977
MP

Bill D Spicer

Age 91 Male
·
8212 Canna Ln, Oklahoma City, OK 73132 (Oklahoma County)
35.5548, -97.6626
· (405) 721-1248
Marital: Married TZ: Central
Homeowner Single Family Built 1981 Purchased 2002
MP

Bill Spicer

Age 62 Male
·
5148 Applegrove Ct, White Lake, MI 48383 (Oakland County)
42.6743, -83.5451
· (248) 889-4375
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 2003 Purchased 2003

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 10 demographic profiles associated with Bill Spicer. 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 Bill Spicer. These loans were issued to businesses, not individuals.

Erica Spicer

Sole Proprietorship

$9,124 Paid in Full
Address:
104 Crestview Dr
Bellefonte, PA16823-8515
Approved

Mar 20, 2021

Forgiven

$9,239

Jobs Reported

1

Loan #

5567818600

Loan Size

Small

Hanna Lutzke-Brill

Sole Proprietorship

$25,578 Paid in Full
Address:
21045 Pike Ave
Aitkin, MN56431-4867
Approved

Mar 10, 2021

Forgiven

$25,647

Jobs Reported

4

Loan #

8524268507

Loan Size

Small

William R. Spicer Iii

Limited Liability Company(LLC

$19,899 Paid in Full
Address:
104 Crestview Dr
Bellefonte, PA16823-8515
Approved

Mar 20, 2021

Forgiven

$20,151

Jobs Reported

1

Loan #

5094958606

Loan Size

Small

William Spicer

Sole Proprietorship

$8,836 Paid in Full
Address:
3028 Chestnut Grove Rd
Bellefonte, PA16823-4305
Approved

Mar 20, 2021

Forgiven

$8,868

Jobs Reported

1

Loan #

4975938606

Loan Size

Small

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

Find Bill Spicer on the map

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Bill Spicer in McKinney, TX: Background Summary

Location
4504 Wembley Ct, McKinney Tx 75070, McKinney, TX
Other Locations
Angola, IN ยท Stockton, CA ยท Cedar Rapids, IA and 15 more
Profiles Found
29 people with this name
Phone Numbers
(214) 404-8808 and 19 others on file
Email
bill.spicer@sbcglobal.net and 4 others on file
Possible Relatives
Krystal Dawn Spicer, Rae Marie Spicer, Randy D Spicer, Donna L Spicer, William Spicer and 1 more
Career
Vice President And Information Technology Officer, President at Billy Spicer, UPS Store
Vehicles
8 linked โ€” 2006 Volkswagen New Beetle, 2004 Cadillac Deville and 6 more
Contributions
$1,575 total โ€” Lawrence, Michelle Marie, Harris, Jeff
PPP Loans
$63,437.27 for Erica Spicer, Hanna Lutzke-Brill

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 Bill Spicer. Because public records are indexed by name rather than by a unique identifier, the 168 results displayed here may include information belonging to multiple individuals who share the same name โ€” 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

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 โ€” 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 Bill Spicer

Search Complexity: High

168 public records across 21states, belonging to approximately 29 different individuals. With 29 distinct profiles across 21 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 21 states. Highest concentration: Texas (8%), followed by Indiana and Arkansas. Spans the South and West regions.

TX13recordsIN8recordsAR8recordsCO7recordsCA7recordsMD6records

Record Type Breakdown

Data spans 6 record categories. Largest: Business & Corporate Filings (60%), which reveal professional roles and employer history. Also includes Contact & Address Records (35) and Political Contribution Records (9).

95
Business & Corporate Filings
35
Contact & Address Records
9
Political Contribution Records
8
Vehicle Registration Records
7
Corporate Records
4
PPP Loan Records

Age Distribution

Age range: approximately 45 years, suggesting multiple generations. Largest group: Senior (65+) (85%).

Senior (65+)11peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Bill Spicer

What vehicles are registered to Bill Spicer?
Records show 8 vehicle registrations associated with Bill Spicer, including a 2006 Volkswagen New Beetle. Registered makes include Volkswagen, Cadillac, Chevrolet, Gmc. 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 Bill Spicer?
We found 95 business affiliations for Bill Spicer (null). Other companies include UPS Store, Cook Elementary School. Business records are compiled from state registries, SEC filings, and professional databases.
Has Bill Spicer made political donations?
FEC disclosure records show 9 reported political contributions from Bill Spicer, totaling $1,575. Recipients include Lawrence, Michelle Marie and Harris, Jeff. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Bill Spicer?
Our database contains 168 total records for Bill Spicer spanning 21 states. This includes 29 distinct contact records, 17 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 Bill Spicer?
The 168 records displayed for Bill Spicer 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 Bill Spicer 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.