Bruce Dresner from Bellaire, TX

Age 60
๐Ÿ“ 4622 Willow St, Bellaire, TX 77401
๐Ÿ“ž (281) 474-7267, (281) 474-4417, (281) 474-7267, (713) 474-4135
โœ‰๏ธ bruce25@flash.net, hotshot@nol.net
๐Ÿช Htcg Exploration Inc, Htcg Exploration, Inc, Dresner Industries Incorporated

Bruce L Dresner

Age 80 b. 1946-02-23
๐Ÿ“ 1750 N Larrabee St, Chicago Il
๐Ÿ“ž (312) 787-5636, (312) 391-6867
โœ‰๏ธ BDRESNER@SBCGLOBAL.NET

Bruce Dresner

๐Ÿ“ Bruce Dresner, 150 E Huron St Ste 1101, Chicago Il
๐Ÿ“ž (312) 208-1518, (312) 337-6888
โœ‰๏ธ BRUCE2323@ATT.NET

Bruce Dresner

๐Ÿ“ 150 E Huron, Chgo Il 60611
๐Ÿ“ž (312) 208-1518, (312) 337-6888
โœ‰๏ธ BRUCE2323@ATT.NET

Bruce Dresner from Saint Louis, MO

Age 58 b. Apr 1967 Saint Louis Co.
๐Ÿ“ 4705 Groveton Way
๐Ÿ“ž (314) 416-7453

Bruce Dresner from Lake Worth, FL

Age 78 b. 1948 Male
๐Ÿ“ 4461 Barclay Fair Way
๐Ÿ“ž (646) 642-7554 (Cell)
โœ‰๏ธ bdresner@aol.com

Bruce M Dresner from Newtown, CT

Age 74
๐Ÿ“ 10 Pheasant Ridge Rd, Newtown, CT 06470
๐Ÿ“ž (203) 304-1282

Bruce Dresner from Seabrook, TX

Age 72 b. 1954 Harris Co.
๐Ÿ“ 1809 Bimini Way
๐Ÿ“ž (281) 474-7267

Bruce Dresner from Chicago, IL

Age 80 b. Jan 1946 Cook Co.
๐Ÿ“ 150 E Huron St Ste 1306
๐Ÿ“ž (312) 337-6888

Bruce Dresner from Chicago, IL

Age 80 b. Feb 1946 Cook Co.
๐Ÿ“ 1750 N Larrabee St
๐Ÿ“ž (312) 787-5636

Bruce Dresner from Seabrook, TX

Age 71 b. May 1954 Harris Co.
๐Ÿ“ 1310 Primrose Ln
๐Ÿ“ž (713) 474-4135

Bruce Dresner from New York, NY

Age 61
๐Ÿ“ 271 Avenue C #4e, New York, NY 10009
๐Ÿ“ž (908) 832-5458

Bruce Dresner from Chicago, IL

Male
๐Ÿ“ 150 E Huron St #1306
๐Ÿ“ž (312) 320-9015 (AT&T MOBILITY)

Bruce Dresner from Newtown, CT

Age 78 b. 1948 Male
๐Ÿ“ 10 Pheasant Ridge Rd
๐Ÿ“ž (203) 304-1282

Bruce Dresner from New York, NY

Age 72 b. Mar 1953 New York Co.
๐Ÿ“ 271 Avenue C 4 E

Bruce Dresner from Hanover, NH

Age 78 b. Jan 1948 Grafton Co.
๐Ÿ“ 13 Pine Dr

Bruce Dresner from Bacliff, TX

0
๐Ÿ“ 3307 Derrick St, Bacliff, TX 77518

Bruce Dresner from New York, NY

New York Co.
๐Ÿ“ 454 Riverside Dr

Bruce Dresner from Califon, NJ

Hunterdon Co.
๐Ÿ“ 3 Box 213 A

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 19 contact records for Bruce Dresner across 8 states. The most recent address on file is in Saint Louis, Missouri. Of these records, 14 include phone numbers and 5 include email addresses. Ages range from 60 to 74, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Dresner Bruce Michael

Gadsden County
PIN: 4-08-1N-2W-0000-00242-0200
· Palmer Rd, Midway 32343
Value: $5,000

Dresner Bruce Michael

Gadsden County
· Palmer Rd, Havana 32343.0
Assessed: $4,000

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 2 property records linked to Bruce Dresner in Havana. Values shown are from county assessor records and may differ from current market prices.

Bruce Michael Dresner

4461 Barclay Fair Way, Lake Worth, , 33449

Bruce Timothy Dresner

County: St. Louis

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for Bruce Dresner in . Voter data is released as public information under state election laws and reflects status at time of the state data release.

2008 MERCEDES-BENZ SL-CLASS
ยท Registered to: Bruce Dresner
ยท VIN: WDBSK71F88F136396
·
10 Pheasant Ridge Rd, Newtown, CT, 06470-1022
·
(203) 304-1282
2011 TOYOTA TUNDRA
ยท Registered to: Bruce Dresner
ยท VIN: 5TFUW5F19BX208403
·
1809 Bimini Way, Seabrook, TX, 77586-2923
2013 Mercedes-Benz E-Class
ยท Registered to: Bruce Dresner
ยท VIN: WDDHF8JB0DA738290
·
10 Pheasant Ridge Rd, Newtown, CT, 06470-1022
·
(203) 304-1285
2017 MERCEDES-BENZ E-CLASS
ยท Registered to: Bruce Dresner
ยท VIN: WDDHF8JB0HA738290
·
10 Pheasant Ridge Rd, Newtown, CT, 06470-1022
·
(203) 304-1285

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 4 vehicle registration records are associated with Bruce Dresner. Registered makes include Mercedes-Benz, Toyota. 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.

Empire Comfort Systems

VP Engineering
+18008513153bdresner@empirecomfort.com
Belleville,

Bruce L Dresner

Owner
(312) 337-6888
Chicago, IL
Health Services (Services)

Sherman Fairchild Foundation Inc

Bruce DresnerDirector
Chevy Chase, MD

Aflac

Bruce DresnerManager
(410) 309-6830bdresner@meridianmt.com
10240 Old Columbia Rd, Columbia, MD21046
aflac.com

Bruce Dresner

United States

Bruce Dresner

Boston, MA

Elk Grove Animal Control

Bruce DresnerNetwork Analyst
(312) 320-9015bruce.dresner@aol.com
150 E Huron St #1306, Chicago, IL60611

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 11 business affiliations were found for Bruce Dresner. Companies include Bruce L Dresner, Elk Grove Animal Control. Roles listed include VP Engineering and Director. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

TRUSTEE: Bruce Dresner

Unknown Corporation

Addr: P.o. Box 742, Seabrook, TX, 77586
TX
OWNER: bruce E dresner

Unknown Corporation

TRUSTEE: Bruce Dresner

Gottex Multi-Asset Endowment Master Fund

Addr: MA
MA
TRUSTEE: Bruce Dresner

Unknown Corporation

Addr: 1809 Bimini Way, Seabrook, TX, 77586
TX
Officer: Bruce E Dresner

Htcg Exploration, INC.

ID: 0057948700
Addr: P.o. Box 742, Seabrook, TX, 77586
TX
OWNER: Bruce E Dresner

Source: Public Records Bruce Dresner appears in 6 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Bruce Dresner

MD
PSYCHIATRY
Individual Male
NPI: 1174697163
School: NORTHWESTERN UNIVERSITY FEINBERG MEDICAL SCHOOL (1971)

Source: CMS NPI Registry (NPPES) ยท State Medical Boards ยท Healthcare Provider Databases 1 healthcare provider record found for Bruce Dresner in the CMS National Provider Identifier registry. NPI registration is required for providers billing Medicare or Medicaid. Listing here does not constitute an endorsement of care quality.

bruce ALAN dresner

Deceased
School: Syracuse (1979)

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Bruce Dresner 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.

Inventor Record

Bruce Dresner - St. Louis

Patent Details

Bruce Dresner
#9062881

Source: USPTO Patent Database ยท U.S. Patent & Trademark Office Bruce Dresner is listed as an inventor or co-inventor on 2 USPTO patents. Patent data is public information published by the United States Patent and Trademark Office upon grant or application publication.

$100 Sep 14, 2007
2008
Committee To Elect Simpson For Surrogate
Dresner, Bruce Newtown, CT
$250 Feb 13, 2014
2014 REP
Morrell, Kim
Dresner, Bruce F Owner @ Chesolm Oil Seabrook, TX
$1,000 Oct 4, 2012
2012 REP
Republican National Committee
Dresner, Bruce M Retired Newtown, CT
$1,000 Dec 22, 2011
2012 REP
Romney, Mitt
Dresner, Bruce M Newtown, CT
$250 Feb 27, 2014
2014 REP
Riley, Robin
Dresner, Bruce E Entrepreneur Seabrook, TX
$25 Aug 25, 2023
2024 REP
Haley, Nikki
Dresner, Bruce Retired Lake Worth, FL
$1,000 Dec 22, 2011
REP
Romney, Mitt
Contributor Newtown, CT
$1,000 Dec 22, 2011
Unknown Committee
Dresner, Bruce M Mr Information Requested Per Best Efforts Newtown, CT

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 8 political contribution records found for Bruce Dresner. Total disclosed contributions amount to $4,625. Recipients include Romney, Mitt. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Bruce E Dresner

Age 63 Male
·
1809 Bimini Way, Seabrook, TX 77586 (Harris County)
29.5681, -95.0210
· (713) 806-5727
Marital: Single TZ: Central
Occ: White Collar Edu: High School
Homeowner Single Family Built 1963 Purchased 1988
MP

Bruce T Dresner

Age 50 Male
·
4705 Groveton Way, Saint Louis, MO 63128 (Saint Louis County)
38.4819, -90.3735
· (314) 416-7453
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Built 1972 Purchased 2011
MP

Bruce M Dresner

Age 69 Male
·
4461 Barclay Fair Way, Lake Worth, FL 33449 (Palm Beach County)
26.6144, -80.2105
Marital: Married TZ: Eastern
Single Family
MP

Bruce L Dresner

Age 71 Male
·
1750 N Larrabee St, Chicago, IL 60614 (Cook County)
41.9142, -87.6434
· (312) 787-5636
Marital: Married TZ: Central
Occ: Technical Edu: Graduate School
Homeowner Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 4 demographic profiles associated with Bruce Dresner. 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 Bruce Dresner. These loans were issued to businesses, not individuals.

Zibute G Zaparackas Md & Paul A Kn

Subchapter S Corporation

$66,110 Paid in Full
Address:
150 E Huron St Ste 1000
Chicago, IL60611
Approved

May 1, 2020

Forgiven

$66,562

Jobs Reported

6

Loan #

1058507707

Loan Size

Small

George V Bucciero Dpm,PC

Corporation

$10,827 Paid in Full
Address:
150 E Huron St Ste 801
Chicago, IL60611-2912
Approved

May 1, 2020

Forgiven

$10,916

Jobs Reported

3

Loan #

8669157307

Loan Size

Small

Feely LTD.

Subchapter S Corporation

$85,820 Paid in Full
Address:
150 E Huron St Ste 1104
Chicago, IL60611-2948
Approved

Jan 30, 2021

Forgiven

$86,330

Jobs Reported

7

Loan #

8973328300

Loan Size

Small

Lake Shore Adult & Geriatric

Subchapter S Corporation

$50,000 Paid in Full
Address:
150 E Huron St Ste 802
Chicago, IL60611
Approved

May 1, 2020

Forgiven

$50,636

Jobs Reported

6

Loan #

2620417707

Loan Size

Small

Northwestern Cardiology & Internal Medicine S C

Corporation

$51,100 Paid in Full
Address:
150 E Huron St Ste 800
Chicago, IL60611-2912
Approved

Jan 26, 2021

Forgiven

$51,681

Jobs Reported

3

Loan #

6181868301

Loan Size

Small

Medifocus INC.

Corporation

$115,625 Paid in Full
Address:
10240 Old Columbia Rd Suite G
Columbia, MD21046
Approved

Apr 16, 2020

Forgiven

$116,807

Jobs Reported

9

Loan #

2367007207

Loan Size

Small

Testog INC.

Corporation

$9,702 Paid in Full
Address:
150 E Huron St Ste 1000
Chicago, IL60611-2947
Approved

Feb 10, 2021

Forgiven

$9,846

Jobs Reported

2

Loan #

6449538407

Loan Size

Small

Northwestern Cardiology And Internal Medicine

Corporation

$51,100 Paid in Full
Address:
150 E Huron St Ste 800
Chicago, IL60611
Approved

May 1, 2020

Forgiven

$51,567

Jobs Reported

4

Loan #

1808887705

Loan Size

Small

Zibute G Zaparackas Md & Paul A Kn

Subchapter S Corporation

$66,317 Paid in Full
Address:
150 E Huron St Ste 1000
Chicago, IL60611-2947
Approved

Feb 5, 2021

Forgiven

$66,799

Jobs Reported

5

Loan #

3596758410

Loan Size

Small

Testog INC.

Corporation

$9,702 Paid in Full
Address:
150 E Huron St Ste 1000
Chicago, IL60611
Approved

Jul 30, 2020

Forgiven

$9,766

Jobs Reported

1

Loan #

1453958208

Loan Size

Small

George Bucciero

Corporation

$10,827 Paid in Full
Address:
150 E Huron St Ste 801
Chicago, IL60611-2912
Approved

Feb 3, 2021

Forgiven

$10,889

Jobs Reported

2

Loan #

2219658404

Loan Size

Small

Physicians Laser & Dermatology Institute Of Chicago LLC

Limited Liability Company(LLC

$171,490 Paid in Full
Address:
150 E Huron St Ste 1050
Chicago, IL60611-2912
Approved

Feb 3, 2021

Forgiven

$173,972

Jobs Reported

13

Loan #

2139648401

Loan Size

Medium

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 12 PPP loan records are linked to businesses associated with Bruce Dresner. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Bruce Dresner on the map

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Bruce Dresner in Bellaire, TX: Background Summary

Location
4622 Willow St,Bellaire, TX 77401, Bellaire, TX
Other Locations
Saint Louis, MO ยท Lake Worth, FL ยท Newtown, CT and 5 more
Profiles Found
19 people with this name
Phone Numbers
(281) 474-7267 and 10 others on file
Email
bruce25@flash.net and 4 others on file
Career
VP Engineering, Director at Bruce L Dresner, Elk Grove Animal Control
Properties
1property owned
Vehicles
4 linked โ€” 2008 Mercedes-Benz Sl-Class, 2011 Toyota Tundra and 2 more
Contributions
$4,625 total โ€” Romney, Mitt
Healthcare
Licensed provider โ€” PSYCHIATRY
PPP Loans
$699K for Zibute G Zaparackas Md & Paul A Kn, George V Bucciero Dpm,PC

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 Bruce Dresner. Because public records are indexed by name rather than by a unique identifier, the 73 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

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 โ€” 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 โ€” some restrict access or redact certain fields such as date of birth or residential address โ€” 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 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.

Healthcare Provider Data

Healthcare provider information is sourced from the National Plan and Provider Enumeration System (NPPES), a registry managed by the Centers for Medicare and Medicaid Services (CMS). Every healthcare provider that bills Medicare or Medicaid is required to obtain a National Provider Identifier (NPI), so the presence of an NPI listing confirms that the individual holds recognized healthcare credentials. The specialty, practice address, and taxonomy codes reflect the provider's own attestation at the time of registration or most recent update. An NPI listing does not constitute an endorsement of care quality, nor does it indicate whether the provider is currently accepting new patients.

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.

Patent Filings

Patent data is drawn from the United States Patent and Trademark Office (USPTO). Being listed as an inventor on a patent means this individual is credited as having made a substantive intellectual contribution to the invention described in the patent application. Patent records include the filing date, grant date, patent number, and a description of the invention. A patent listing does not indicate that the inventor currently owns the patent rights โ€” patents are frequently assigned to employers or transferred between entities after they are granted.

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 Bruce Dresner

Search Complexity: High

73 public records across 10states, belonging to approximately 19 different individuals. With 19 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 (12%), followed by Illinois and Connecticut. Spans the South and Northeast regions.

TX9recordsIL9recordsCT7recordsNY3recordsMD3recordsMO3records

Record Type Breakdown

Data spans 11 record categories. Largest: Contact & Address Records (29%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (12) and Business & Corporate Filings (11).

20
Contact & Address Records
12
PPP Loan Records
11
Business & Corporate Filings
8
Political Contribution Records
6
Corporate Records
4
Vehicle Registration Records

Age Distribution

Age range: approximately 21 years, suggesting multiple generations. Largest group: Senior (65+) (63%).

Senior (65+)5peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Bruce Dresner

Is Bruce Dresner a registered voter?
Yes, voter registration records show Bruce Dresner is registered in . We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Bruce Dresner own property?
County assessor records show 2 properties associated with Bruce Dresner . 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 Bruce Dresner?
Records show 4 vehicle registrations associated with Bruce Dresner, including a 2008 MERCEDES-BENZ SL-CLASS. Registered makes include Mercedes-Benz, Toyota. 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 Bruce Dresner?
We found 11 business affiliations for Bruce Dresner (VP Engineering). Other companies include Elk Grove Animal Control. Business records are compiled from state registries, SEC filings, and professional databases.
Is Bruce Dresner a healthcare provider?
Yes, the CMS National Provider Identifier registry lists Bruce Dresner as a registered healthcare provider (NPI: 1174697163). NPI registration is required for all providers billing Medicare or Medicaid. This listing confirms enrollment in the federal healthcare system but does not indicate quality of care.
Has Bruce Dresner made political donations?
FEC disclosure records show 8 reported political contributions from Bruce Dresner, totaling $4,625. Recipients include Romney, Mitt. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Bruce Dresner?
Our database contains 73 total records for Bruce Dresner spanning 10 states. This includes 19 distinct contact records, 14 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 Bruce Dresner?
The 73 records displayed for Bruce Dresner 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 Bruce Dresner 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.