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Mr Cliff D Murphy from Greensboro, GA

Age 55 b. 4/20/1970
📍 1450 E Broad St, #greensboro, GA 30642-2395
✉️ murphya28@live.com, murphyapril1450@yahoo.com, belaircat@aol.com, mrphy89@yahoo.com, murp2700@bellsouth.net, gia2002@optonline.net, murph2700@bellsouth.net, cliffm@netzero.net, belaircat2@adelphia.com, belaircat@adelphia.com, belaircat@msn.com, murphyapril@bellsouth.net, cmurf3@aol.com, murphyapril@yahoo.com, rashy9609@alltel.net, cathy.murphy@worldnet.att.net
👨‍👩‍👧 Relatives: April L Murphy,Catherine M Duvall,Catherine P Murphy,Greg M Murphy,Kelly Ann Murphy,William Cole Murphy,Amber L Leach,Amy Peters Leach,Ann M Murphy,Billy K Leach,Carolyn R Murphy,David D Bennett,Dianne Merritt,Edith P Duvall,Gregory M Murphy,Laurie Harris,Lester R Merritt,Linda G Merritt,Linda G Merritt,Michael P Murphy,Michael H Murphy,Michael L Murphy,Michael Lee Murphy,Michelle K Murphy,Richard M Duvall,Robert T Leach,Robert C Leach,Sandra L Wood,Sheila Diane Merritt,Venus L Cuyler,William Keith Leach,Ann M Worthen,Ashleigh L Bennett,Diana V Bennett,Donna M Bennett,Douglas B Merritt,Gwendolyn W Bennett,James L Bennett,Joshua K Bennett,Kenneth Wayne Bennett Sr,Kimberly A Bennett,Linda M Bennett,Linda S Bennett,Linda Hair Murphy,Michelle Murphy,Miriam B Merritt,Reginald V Merritt,Richard S Bennett Sr,Ruth A Lynch,Sandra E Wood
🕐 16 previous addresses

Cliff L Murphy Jr from Eatonville, WA

Age 93 b. 1/1/1933
📍 Po Box 1335, #eatonville, WA 98328-1335
👨‍👩‍👧 Relatives: Kerri Lynn Murphy,Ashley L Murphy,Christopher Wayne Murphy,Clifford L Murphy,K Murphy,K Murphy,K Murphy,K Murphy,Christian M Wilcox,John P Washington,Julie Lynn Murphy,Adam Perry Kidd,Amanda C Kidd,Beverly G Parker,Brian M Parker,Christian M Wilcox,Christy Ryder,Clinton Washington,D Rodger Sr,Deborah L Borchardt,Gabriel R Wilcox,Gabriel R Wilcox,Jack F Kidd Jr,Jane L Washington,Janet L Washington,Jason R Wilcox,Jody A Kidd,Joseph Washington,Joseph E Washington,Joshua A Kidd,Karolyn A Parker,Karolyn A Seroshek,Marion H Washington,Marion F Washington,Melanie M Kidd,Michelle L Medhus,Patricia A Washington,Penny E Wilcox Sr,Richard O'neill,Richard L O'neill,Robert E Ryder,Robert E Ryder,Robin L Parker,Roger D Wilcox Jr,Roger D Wilcox Sr,Rosalie Young Washington,Steve K Seroshek,William L Parker
🕐 4 previous addresses

Cliff Murphy

Age 67 b. 1958-09-13
📍 139 Ohleyer Rd, Yuba City Ca
📞 (530) 218-7600, (530) 674-2022
✉️ CMURPHY95993@YAHOO.COM

Cliff Murphy from Snellville, GA

Age 50 b. 1976 Male
📍 Po Box 799
✉️ nac_nac1022@hotmail.com

Cliff Murphy from Dallas, TX

Age 61 b. Sep 1964
📍 11012 Dunaway
📞 (214) 279-7973

Cliff Murphy

📍 44 4th Ave Sw, Wedowee Al
📞 (256) 473-4485, (256) 473-4455
✉️ MURFETTE@HUGHES.NET

Cliff Murphy from Jesup, GA

Age 78 b. 1948 Wayne Co.
📍 12 Par Dr
📞 (912) 427-0206

Cliff Murphy from Lynbrook, NY

Age 70 b. Apr 1956 Nassau Co.
📍 71 Carol St
📞 (516) 593-9683

Cliff Murphy

📍 63 Middle Connestee Trl, Brevard Nc
📞 (386) 428-3325, (386) 428-3325
✉️ CLIFFFLA001@BELLSOUTH.NET

Cliff Murphy from Roosevelt, UT

📍 5000 W 6250 S, #roosevelt, UT 84066
🕐 1 previous address

Cliff Murphy from Yuba City, CA

Male
📍 1315 Dustin Dr
📞 (530) 218-7600 (AT&T MOBILITY)

Cliff Murphy from Anniston, AL

Age 83 b. 1943 Male
📍 985 Comanche Trl
📞 (256) 847-0082

Cliff Murphy from Buckley, WA

Age 93 b. Jan 1933 Pierce Co.
📍 11605 258th Ave E

Cliff Murphy from Alpine, CA

Age 55 b. Nov 1970 San Diego Co.
📍 2660 Alpine Blvd Apt 88

Cliff Murphy from Huntington Beach, CA

Age 80 b. Mar 1946 Orange Co.
📍 8131 Kiner Ave
👤 aka Clifford C Murphy

Cliff Murphy from Toledo, OH

Age 56 b. Sep 1969 Lucas Co.
📍 2653 Powhattan Pkwy

Cliff Murphy from Alpine, CA

Age 67 b. Sep 1958 San Diego Co.
📍 2660 Alpine Bl 88

Cliff Murphy from Nashville, TN

Age 66 b. Sep 1959 Davidson Co.
📍 219 Village Green Dr

Cliff Murphy from Nacogdoches, TX

0
📍 2606 Rr 3 Pob, Nacogdoches, TX 75961

Cliff Murphy from Lewisburg, TN

0
📍 434 5th Ave, Lewisburg, TN 37091

Cliff Murphy from Joplin, MO

Jasper Co.
📍 111 N Main St
📞 (417) 626-0200

Cliff Murphy from Durant, OK

Bryan Co.
📍 301 E 4th St

Cliff Murphy from Conyers, GA

Rockdale Co.
📍 1100 Louise Ct

Cliff Murphy from Greensboro, GA

Greene Co.
📍 1820 Brick House Rd

Cliff Murphy from Madison, OH

Lake Co.
📍 1899 Haines Rd

Cliff Murphy from Brentwood, TN

Williamson Co.
📍 55301 Maryland Way

Cliff Murphy from Jacksonville, FL

Duval Co.
📍 9035 Jasper Ave

Cliff Murphy from Fort Mitchell, KY

Kenton Co.
📍 639 Bromley Sprg Rd Cir

Cliff Murphy from Olive Branch, MS

Desoto Co.
📍 6061 Clay Lane Dr

Cliff Murphy from Williamston, SC

Anderson Co.
📍 400 Harper St

Cliff Murphy from Birmingham, AL

Jefferson Co.
📍 1118 16th Ave S

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 31 contact records for Cliff Murphy across 15 states. The most recent address on file is in Snellville, Georgia. Of these records, 12 include phone numbers and 5 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Murphy Cliff & Jeri L

Volusia County
PIN: 33160939071040
· 940 Village Tr 7-104, Port Orange 32127
Value: $74,874

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

Cliff Brandon Murphy

6509 S 49th Street, Rogers, AR, 72758

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 1 voter registration record was found for Cliff Murphy in Arkansas. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2013 Chrysler 200
· Registered to: Cliff Murphy
· VIN: 1C3CCBCG2DN674401
·
11494 Co Moor Blvd, Strongsville, OH, 44149
·
(440) 268-9092
2007 Volkswagen Eos
· Registered to: Cliff Murphy
· VIN: WVWDB71FX7V042423
·
7152 Dublin Ln, Wadsworth, IN, 60083-9750

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 2 vehicle registration records are associated with Cliff Murphy. Registered makes include Chrysler, Volkswagen. The most recent model year on record is 2013. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Manitoba Public Insurance Corporation

Cliff Murphy Flags & Flagpoles

Owner
(440) 617-9600
Cleveland, OH
Wholesale Trade - Durable Goods (Products)

Murphs Quick Stop

President
(912) 588-9099
Jesup, GA
Food Stores (Food)

Tex-Tronics

Owner
(512) 559-2680
Cedar Creek, TX
Mobile Home Dealers, Garden Supply, Building Materials and Hardware (Construction)

Cliff Murphy

Co-Owner, Brewer And Chief Bottle Washer
Bexley Brewery
Dartford, Kent, United Kingdom Food Production
LinkedIn

Cliff Murphy

Alabama
LinkedIn

Bay Area Lawyers-Individual

Cliff MurphySales Customer
(530) 218-7600cmurphy95993@balif.org
1315 Dustin Dr, Yuba City, CA95993

Flint Street Recreation Ctr

Cliff MurphyPurchase Card Holder
(586) 838-0169godiscome2007@yahoo.com
25237 Malvina, Warren, MI48089
cityofrochester.gov

Martin-Brower Company LLC

Cliff MurphyHuman Resources Manager
(615) 446-5055cmurphy@martin-brower.com
Dickson, TN

Classic Honda

Cliff MurphyInternet Executive
6394500cmurphy@driveclassic.com
Painesville, OH

Cliff Murphy

MIll Manager Cedar River Mil

Norris Ridge Technologies

Cliff MurphyOwner
fastlane_22@qwest.net
2311 Texas Ave, Joplin, mo64804

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 29 business affiliations were found for Cliff Murphy. Companies include Cliff Murphy Flags & Flagpoles, Murphs Quick Stop, Tex-Tronics and 5 more. Roles listed include Null and Manager. Records are compiled from state business registries, SEC filings, and professional networking databases.

The Villas On Palm Property Owners Association, INC.

Officer: Cliff Murphy

Cer Investments, INC.

Addr: 12 Par Drive, Jesup, GA, 31546
GA
Officer: Cliff Murphy

Unknown Corporation

Addr: 123 Spring Valley Cove, Boerne, TX, 78006
TX
SECRETARY: Cliff Murphy

Cliff Murphy,

Addr: 6509 S 49th Street, Rogers, AR, 72758
AR

Cliff Murphy,

Addr: 6509 S 49th Street, Rogers, AR, 72758
AR

The Villas On Palm Property Owners Association, INC.

Addr: GA
GA
CFO: Cliff Murphy

Hill Country Cycling Foundation, INC.

ID: 0153249901
Addr: 123 Spring Valley Cove, Boerne, TX, 78006
TX
SECRETARY: Cliff Murphy

NUTECH Electronics LLC

ID: 0800476889
Addr: 408 High View Ranch Dr., Cedar Creek, TX, 78612
TX
Member: Cliff Murphy

Hill Country Cycling Foundation, INC.

ID: 0153249901
Addr: 123 Spring Valley Cove, Boerne, TX, 78006
TX
Director: Cliff Murphy

Source: Public Records Cliff Murphy appears in 9 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$30 Oct 12, 2010
2010 DEM
Warren, Rebekah
Murphy, Cliff Ann Arbor, MI
$25 Mar 27, 2014
2014 DEM
Democratic Senatorial Campaign Committee
Murphy, Cliff Not Employed Ann Arbor, MI
$3 Nov 19, 2014
2012 DEM
Actblue
Murphy, Cliff Not Employed Ann Arbor, MI
$250 Jun 23, 2006
2006 R
Williams, Mark
Murphy, Cliff Jesup, GA
$3 Oct 19, 2014
2012 DEM
Actblue
Murphy, Cliff Not Employed Ann Arbor, MI
$3 Feb 19, 2015
2014
Progressive Change Campaign Committee
Murphy, Cliff Not Employed Ann Arbor, MI
$25 Mar 18, 2013
2014
School Psychologists For Kids Mi
Murphy, Cliff Ann Arbor, MI
$3 Jan 19, 2015
2016 DEM
Progressive Change Campaign Committee
Murphy, Cliff Not Employed Ann Arbor, MI
$3 May 19, 2014
2014 DEM
Progressive Change Campaign Committee
Murphy, Cliff Not Employed Ann Arbor, MI
$50 Jun 5, 2010
2010 REP
Van Roy, Karl
Murphy, Cliff Green Bay, WI
$3 Jun 19, 2014
2014 DEM
Progressive Change Campaign Committee
Murphy, Cliff Not Employed Ann Arbor, MI
$3 Apr 19, 2014
2014 DEM
Progressive Change Campaign Committee
Murphy, Cliff Not Employed Ann Arbor, MI
$3 Sep 19, 2014
2014 DEM
Progressive Change Campaign Committee
Murphy, Cliff Not Employed Ann Arbor, MI
$3 Jul 19, 2014
2014 DEM
Progressive Change Campaign Committee
Murphy, Cliff Not Employed Ann Arbor, MI
$3 Mar 19, 2015
2014 DEM
Progressive Change Campaign Committee
Murphy, Cliff Not Employed Ann Arbor, MI
$3 Aug 19, 2014
2014 DEM
Progressive Change Campaign Committee
Murphy, Cliff Not Employed Ann Arbor, MI
$250 Jun 23, 2006
R
Williams, Mark
Contributor Jesup, GA
$149 Sep 9, 2024
Unknown Committee
Murphy, Cliff Retired Ann Arbor, MI
$250
2006 R
Williams, Mark
Contributor Developer @ Self Jesup, GA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 19 political contribution records found for Cliff Murphy. Total disclosed contributions amount to $1,062. Recipients include Williams, Mark. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Cliff B Murphy

Age 38 Male
·
2170 N Lake Dr, Columbia, SC 29212 (Lexington County)
34.0811, -81.1949
Marital: Single
Multi-Family
MP

Cliff Murphy

Age 71 Male
·
150 Joe Bynum Rd, Lufkin, TX 75901 (Angelina County)
31.4429, -94.6552
· (936) 632-3041
Marital: Single TZ: Central
Edu: Some College
Homeowner Single Family Built 1960 Purchased 1984
MP

Cliff Murphy

Age 74 Male
·
500 White Oak Trl, Spring Hill, TN 37174 (Maury County)
35.6678, -86.9169
Marital: Married TZ: Central
Homeowner Single Family
MP

Cliff Murphy

Age 40 Male
·
PO Box 799, Snellville, GA 30078 (Gwinnett County)
33.8601, -84.0190
Marital: Married TZ: Eastern
Single Family
MP

Cliff Murphy

Male
·
1615 W Spruce St, Olathe, KS 66061 (Johnson County)
38.8859, -94.8438
· (913) 999-2149
TZ: Central
Single Family
MP

Cliff Murphy

Age 64 Male
·
21 Eagle Dr, Jesup, GA 31546 (Wayne County)
31.5695, -81.8800
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 2015 Purchased 2016
MP

Cliff D Murphy

Age 47 Male
·
1310 Sunset Dr, Clyde, TX 79510 (Callahan County)
32.4018, -99.5124
· (325) 665-5599
TZ: Central
Single Family

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

Green Mathok

Sole Proprietorship

$20,625 Paid in Full
Address:
12240 S Strang Line Ct
Olathe, KS66062-5272
Approved

Apr 11, 2021

Forgiven

$20,785

Jobs Reported

1

Loan #

2067528803

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 1 PPP loan record is linked to businesses associated with Cliff Murphy. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Cliff Murphy on the map

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Found 67 results across 21 states

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Cliff Murphy in GA: Background Summary

Location
1450 E Broad St Greensboro, GA 30642-2395
Other Locations
Snellville, GA · Dallas, TX · Jesup, GA and 19 more
Profiles Found
31 people with this name
Phone Numbers
(706) 453-2700 and 16 others on file
Email
murphya28@live.com and 19 others on file
Possible Relatives
April L Murphy, Catherine M Duvall, Catherine P Murphy, Greg M Murphy, Kelly Ann Murphy and 87 more
Career
Manager, HR Mgr at Cliff Murphy Flags & Flagpoles, Murphs Quick Stop
Vehicles
2 linked — 2013 Chrysler 200, 2007 Volkswagen Eos
Contributions
$1,062 total — Williams, Mark, Williams, Mark
PPP Loans
$20,625 for Green Mathok

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 Cliff Murphy. Because public records are indexed by name rather than by a unique identifier, the 103 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 Cliff Murphy

Search Complexity: High

103 public records across 21states, belonging to approximately 31 different individuals. With 31 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: Georgia (12%), followed by Texas and California. Spans the South and Midwest regions.

GA12recordsTX10recordsCA9recordsTN6recordsOH5recordsMI3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (35%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (29) and Political Contribution Records (19).

34
Contact & Address Records
29
Business & Corporate Filings
19
Political Contribution Records
9
Corporate Records
2
Vehicle Registration Records
1
Property Ownership Records

Age Distribution

Age range: approximately 37 years, suggesting multiple generations. Largest group: Senior (65+) (67%).

Senior (65+)6peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Cliff Murphy

Is Cliff Murphy a registered voter?
Yes, voter registration records show Cliff Murphy is registered in Arkansas. We found 1 voter registration entry across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Cliff Murphy own property?
County assessor records show 1 property associated with Cliff Murphy . 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 Cliff Murphy?
Records show 2 vehicle registrations associated with Cliff Murphy, including a 2013 Chrysler 200. Registered makes include Chrysler, Volkswagen. 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 Cliff Murphy?
We found 29 business affiliations for Cliff Murphy (null). Other companies include Murphs Quick Stop, Tex-Tronics. Business records are compiled from state registries, SEC filings, and professional databases.
Has Cliff Murphy made political donations?
FEC disclosure records show 19 reported political contributions from Cliff Murphy, totaling $1,062. Recipients include Williams, Mark. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Cliff Murphy?
Our database contains 103 total records for Cliff Murphy spanning 21 states. This includes 31 distinct contact records, 12 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 Cliff Murphy?
The 103 records displayed for Cliff Murphy 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 Cliff Murphy 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.