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Collins Taylor from Thelma, KY

Age 64
📍 33 Horseshoe St #106, Thelma, KY 41260
📞 (606) 789-1944, (606) 789-1944, (606) 789-6843
✉️ kcollins@foothills.net
👨‍👩‍👧 Relatives: Barbara J Collins,Joseph D Taylor

Collins Taylor from Forest Home, AL

Age 45 b. 1981 Male
📍 1668 Seventh Ave
📞 (334) 210-0797 (Cell), (256) 751-3412, (334) 346-2529

Collins Taylor from Flat Lick, KY

Age 63 b. Jun 1962 Knox Co.
📍 Po Box 487
📞 (606) 542-4246, (601) 659-7220

Collins Taylor from Ogden, UT

Age 59 b. Jun 1966 Weber Co.
📍 726 E 550 N
📞 (619) 465-2540

Collins Taylor from Fort Deposit, AL

Age 54
📍 48 Po Box, Fort Deposit, AL 36032
👨‍👩‍👧 Relatives: Walter James Taylor,Henry Neal Taylor,Juluette Taylor,Barbara Taylor

Collins Taylor from Grenada, MS

Age 85 b. Jul 1940 Grenada Co.
📍 43 College Blvd
📞 (662) 226-4208

Collins Taylor from Baltimore, MD

Age 105 b. Apr 1920 Baltimore City Co.
📍 2014 Ruxton Ave
📞 (703) 836-7742

Collins Taylor from Dumas, AR

Age 70 b. Sep 1955 Desha Co.
📍 218 Edwards St

Collins Taylor from Cumming, GA

Age 65 b. Feb 1961 Forsyth Co.
📍 2569 Wesley Dr

Collins Taylor from Pacifica, CA

Age 63 b. Sep 1962 San Mateo Co.
📍 77 Paloma Ave 204

Collins Taylor from Saint Louis, MO

Age 50 b. Sep 1975 Saint Louis City Co.
📍 4223 Athlone Ave

Collins Taylor from Stonewall, MS

Age 77 b. Jan 1949 Clarke Co.
📍 151 Amos Ln 155

Collins Taylor from Breaux Bridge, LA

📍 1594 Anse Broussard Hwy
📞 (337) 320-9247 (SPRINT)

Collins Taylor from Bridgeport, WV

Harrison Co.
📍 Rr 3 Po Box 244
📞 (304) 592-0146

Collins Taylor from Spring Hill, KS

Johnson Co.
📍 404 N Madison St
📞 (913) 592-5120

Collins Taylor from Sneedville, TN

Hancock Co.
📍 4835 Vardy Blackwater

Collins Taylor from Toledo, OH

Lucas Co.
📍 542 Nevada St

Collins Taylor from Los Angeles, CA

Los Angeles Co.
📍 6567 2nd Ave

Collins Taylor from Plano, TX

Collin Co.
📍 4529 Pecan Valley Dr

Collins Taylor from Mascoutah, IL

Saint Clair Co.
📍 615 E South St Lot 19

Collins Taylor from Bessemer, AL

Jefferson Co.
📍 718 15th St

Collins Taylor from Richmond, CA

Contra Costa Co.
📍 2525 Maricopa Ave Apt D

Collins Taylor from Arnaudville, LA

Saint Landry Co.
📍 1012 Coteau Rodaire Hw

Collins Taylor from Bolton, MA

Worcester Co.
📍 269 Main St

Collins Taylor from Mascoutah, IL

Saint Clair Co.
📍 705 E South St

Collins Taylor from Princeton, IN

Gibson Co.
📍 704 E Mulberry St 270

Collins Taylor from Prairie Du Sac, WI

Sauk Co.
📍 901 Highland Trl

Collins Taylor from Tulsa, OK

Tulsa Co.
📍 2162 E Apache St

Collins Taylor from Corona, CA

📍 820 Windstream Dr

Collins Taylor from Edmonds, WA

Snohomish Co.
📍 24312 77th Pl

Collins Taylor from Interlaken, NJ

📍 718 Bridlemere Ave

Collins Taylor from Gould, AR

Lincoln Co.
📍 Rr 1

Unknown Person

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 33 contact records for Collins Taylor across 22 states. The most recent address on file is in Forest Home, Alabama. Of these records, 9 include phone numbers and 1 include email addresses. Ages range from 54 to 64, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Taylor Collins Jr & Shirley M

Clarke County

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 1 property record linked to Collins Taylor in 3. Values shown are from county assessor records and may differ from current market prices.

Collins Marie Taylor

A Reg: 06/15/2012
New Road, Southbury, CT, 06488
DOB: 04/15/1994 Gender: Female Ph: 203-296-0992

Collins L Taylor

A Reg: 03/08/2017
Dunn Avenue, Stamford, CT, 06905
DOB: 08/06/1999 Gender: Female

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Collins Taylor in Connecticut. Party affiliation is listed as A. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2003 NISSAN FRONTIER
· Registered to: Collins Taylor
· VIN: 1N6ED27T03C447269
·
1717 County Road 220 Apt 4005, Fleming Island, FL, 32003
2013 Kia Optima
· Registered to: Collins Taylor
· VIN: 5XXGN4A74DG206753
·
1668 7th Ave, Forest Home, AL, 36030
·
(334) 210-0797
· Registered to: Collins Taylor
· VIN: 4XTF623295C255071
·
626 N Eccles Ave, Ogden, UT, 84404
·
(801) 782-6435

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 3 vehicle registration records are associated with Collins Taylor. Registered makes include Nissan, Kia. 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.

Britt Taylor Collins

Owner
+17702423002britt@attbi.com
Berkeley Lake,

Collins Taylor

Phoenix, Arizona, United States Building Materials
LinkedIn

Collins Taylor

Sales Representative at F · Dallas/Fort Worth Area

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 8 business affiliations were found for Collins Taylor. Roles listed include Owner. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: 1594 Anse Broussard Hwy, Breaux Bridge, LOUISIANA, 70517
LOUISIANA
Officer: Collins Taylor

Cbt Construction LLC

Addr: 1594 Anse Broussard Hwy, Breaux Bridge, LA, 70517
LA
Agent: Collins Taylor

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

Taylor Collins

Life Agent
License # 1721398
NPN 8869790
Qual: Life Agent/Agency
Addr: Sarasota, FL 34230
Issued: Nov 18, 2011 Exp: Jul 31, 2026

Taylor Collins

Life Agent
License # 1721398
NPN 8869790
Qual: Life Agent/Agency
Addr: Sarasota, FL 34230
Issued: Nov 18, 2011 Exp: Jul 31, 2026

Taylor Collins

General Lines Agent
License # 2459376
NPN 18479332
Qual: Property and Casualty
Addr: Williston, VT 05495
Issued: Oct 16, 2019 Exp: Jan 31, 2027

Taylor Collins

Adjuster
License # 3165353
NPN 21150676
Qual: Adjuster - All Lines
Addr: Dallas, TX 75228
Issued: Apr 23, 2024 Exp: Jan 31, 2028

Taylor Collins

Adjuster
License # 3165353
NPN 21150676
Qual: Adjuster - All Lines
Addr: Dallas, TX 75228
Issued: Apr 23, 2024 Exp: Jan 31, 2028

Taylor Collins

General Lines Agent
License # 2459376
NPN 18479332
Qual: Property and Casualty
Addr: Williston, VT 05495
Issued: Oct 16, 2019 Exp: Jan 31, 2027

Taylor Collins

General Lines Agent
License # 2119092
NPN 8869790
Qual: Life, Accident, Health & HMO
Addr: Sarasota, FL 34230
Issued: Aug 22, 2016 Exp: Jul 31, 2026

Taylor Collins

Adjuster
License # 3169268
NPN 21137401
Qual: Adjuster - P&C
Addr: Goldsboro, NC 27530
Issued: May 2, 2024 Exp: Jun 30, 2026

Taylor Collins

Adjuster
License # 3169268
NPN 21137401
Qual: Adjuster - P&C
Addr: Goldsboro, NC 27530
Issued: May 2, 2024 Exp: Jun 30, 2026

Taylor Collins

General Lines Agent
License # 2119092
NPN 8869790
Qual: Life, Accident, Health & HMO
Addr: Sarasota, FL 34230
Issued: Aug 22, 2016 Exp: Jul 31, 2026

Source: State Professional Licensing Boards · Dept. of Professional Regulation Collins Taylor holds 10 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Collins Taylor

Arnaudville High School - Arnaudville, LA, LA
1979

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Collins Taylor 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.

MP

Collins Taylor

Age 56 Male
·
1594 Anse Broussard Hwy, Breaux Bridge, LA 70517 (Saint Martin County)
30.3112, -91.8779
· (337) 288-3732
TZ: Central
Homeowner Single Family
MP

Collins Taylor

Male
·
1668 Seventh Ave, Forest Home, AL 36030 (Butler County)
31.8426, -86.8366
· (334) 210-0797
TZ: Central
Single Family
MP

Collins Taylor

Male
·
19415 Ridge Rd, Red Bluff, CA 96080 (Tehama County)
40.1433, -122.3130
TZ: Pacific
Single Family
MP

Collins Taylor

Male
·
6305 Bernie Lou Dr, Hazelhurst, WI 54531 (Oneida County)
45.7713, -89.6879
TZ: Central
Homeowner Single Family Purchased 2008

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

Astoria Downtown Historic District Association

Non-Profit Organization

$13,590 Paid in Full
Address:
PO Box 261
Astoria, OR97103-0261
Approved

Jun 23, 2020

Forgiven

$13,689

Jobs Reported

1

Loan #

2053848009

Loan Size

Small

The Kennebec Land Trust

Non-Profit Organization

$43,600 Paid in Full
Address:
PO Box 261
WInthrop, ME04364
Approved

Apr 9, 2020

Forgiven

$44,077

Jobs Reported

4

Loan #

8929727004

Loan Size

Small

Marshall Land Brokers & Auctioneers Of Kearney, INC.

Corporation

$24,668 Paid in Full
Address:
PO Box 261
Kearney, NE68848-0261
Approved

Apr 8, 2020

Forgiven

$24,855

Jobs Reported

2

Loan #

7967207008

Loan Size

Small

First Class Compliance

Sole Proprietorship

$5,800 Paid in Full
Address:
PO Box 261
Lewisville, TX75067
Approved

Jun 11, 2020

Forgiven

$5,868

Jobs Reported

1

Loan #

2053247903

Loan Size

Small

Littrell Brothers Tree Service, LLC

Limited Liability Company(LLC

$13,100 Paid in Full
Address:
PO Box 261
Paris, KY40362-0261
Approved

Apr 28, 2020

Forgiven

$13,209

Jobs Reported

4

Loan #

1559297300

Loan Size

Small

Alex Stofer

Self-Employed Individuals

$20,833 Paid in Full
Address:
1220 C Ave
Scranton, IA51462-7604
Approved

Mar 9, 2021

Forgiven

$20,889

Jobs Reported

1

Loan #

8347228504

Loan Size

Small

K&s Services, LLC

Corporation

$15,200 Paid in Full
Address:
PO Box 261
Fairview, OK73737-0261
Approved

Apr 10, 2020

Forgiven

$15,317

Jobs Reported

2

Loan #

1996867107

Loan Size

Small

Eastside News INC

Corporation

$64,900 Paid in Full
Address:
PO Box 261
Drayton, SC29333
Approved

Apr 28, 2020

Forgiven

$65,506

Jobs Reported

14

Loan #

1434837303

Loan Size

Small

Jose J Blanco DBA Squeegee Clean Window Washers

Sole Proprietorship

$11,392 Paid in Full
Address:
PO Box 261
Palmyra, VA22963
Approved

Apr 29, 2020

Forgiven

$11,502

Jobs Reported

1

Loan #

4020927310

Loan Size

Small

Gerald S Collins

Sole Proprietorship

$6,897 Paid in Full
Address:
11501 E Lone Chimney Rd
Glencoe, OK74032-1438
Approved

Mar 13, 2021

Forgiven

$6,960

Jobs Reported

1

Loan #

1927548609

Loan Size

Small

M&d Steam Cleaning INC

Corporation

$25,900 Paid in Full
Address:
PO Box 261
Accoville, WV25606
Approved

Apr 7, 2020

Forgiven

$26,212

Jobs Reported

2

Loan #

6849137005

Loan Size

Small

Stan'S Construction INC

Corporation

$6,100 Paid in Full
Address:
PO Box 261
Fairview, OK73737-0261
Approved

Apr 10, 2020

Forgiven

$6,148

Jobs Reported

2

Loan #

1513567107

Loan Size

Small

C&c Sprayfoam LLC

Limited Liability Company(LLC

$15,700 Paid in Full
Address:
PO Box 261
Clinton, ME04927
Approved

Apr 14, 2020

Forgiven

$15,870

Jobs Reported

2

Loan #

6162547101

Loan Size

Small

R & T Warren Farms, L.l.c.

Limited Liability Company(LLC

$50,167 Paid in Full
Address:
PO Box 261
Duke, OK73532
Approved

Apr 11, 2020

Forgiven

$50,411

Jobs Reported

4

Loan #

3600767105

Loan Size

Small

Alex Stofer

Self-Employed Individuals

$1,015 Paid in Full
Address:
1220 C Ave
Scranton, IA51462-7604
Approved

Jul 30, 2020

Forgiven

$1,020

Jobs Reported

1

Loan #

1418068206

Loan Size

Small

Bdr Real Estate Services, LLC

Limited Liability Company(LLC

$30,800 Paid in Full
Address:
PO Box 261
Quincy, PA17247
Approved

Apr 11, 2020

Forgiven

$31,129

Jobs Reported

6

Loan #

2821277110

Loan Size

Small

Jimmy'S Mobile Repair Service

Sole Proprietorship

$5,100 Paid in Full
Address:
PO Box 261
Happy, TX79042-0261
Approved

Apr 28, 2020

Forgiven

$5,145

Jobs Reported

1

Loan #

8844397209

Loan Size

Small

Hometown Roots Florist And Boutique LLC

Limited Liability Company(LLC

$2,192 Paid in Full
Address:
PO Box 261
Sebastopol, MS39359-0261
Approved

Apr 27, 2020

Forgiven

$2,205

Jobs Reported

1

Loan #

4787687207

Loan Size

Small

Creole Creative Canvases

Sole Proprietorship

$3,631 Paid in Full
Address:
1940 Johnson Ferry Rd NE A
Brookhaven, GA30319-5012
Approved

Mar 18, 2021

Forgiven

$3,650

Jobs Reported

1

Loan #

4497508600

Loan Size

Small

Thoma Meat Market, INC.

Subchapter S Corporation

$186,200 Paid in Full
Address:
PO Box 261
Saxonburg, PA16056-0261
Approved

Apr 16, 2020

Forgiven

$187,940

Jobs Reported

24

Loan #

2549627206

Loan Size

Medium

Vision Construction Services LLC

Limited Liability Company(LLC

$50,952 Paid in Full
Address:
PO Box 261
Brookside, NJ07926
Approved

Apr 30, 2020

Forgiven

$51,504

Jobs Reported

3

Loan #

7099017303

Loan Size

Small

Chewonki Campground

Partnership

$9,525 Paid in Full
Address:
PO Box 261
Wiscasset, ME04578-0261
Approved

Apr 14, 2020

Forgiven

$9,998

Jobs Reported

4

Loan #

6458607105

Loan Size

Small

Shields Valley Builders LLC

Limited Liability Company(LLC

$14,000 Paid in Full
Address:
PO Box 261
Clyde Park, MT59018
Approved

Apr 28, 2020

Forgiven

$14,143

Jobs Reported

5

Loan #

1041037309

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 23 PPP loan records are linked to businesses associated with Collins Taylor. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Source: IMDb · Open Library · Sports Reference · FIDE Chess Federation Additional public records from specialized databases including entertainment industry credits (IMDb), published works (Open Library), sports statistics, and other publicly available reference sources.

Find Collins Taylor on the map

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Found 56 results across 26 states

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Collins Taylor in Thelma, KY: Background Summary

Location
33 Horseshoe St #106,Thelma, KY 41260, Thelma, KY
Other Locations
Forest Home, AL · Flat Lick, KY · Ogden, UT and 26 more
Profiles Found
33 people with this name
Phone Numbers
(606) 789-1944 and 11 others on file
Email
kcollins@foothills.net
Possible Relatives
Barbara J Collins, Joseph D Taylor, Walter James Taylor, Henry Neal Taylor, Juluette Taylor and 1 more
Career
Owner
Voter Registration
Registered A
Properties
1property owned
Vehicles
3 linked — 2003 Nissan Frontier, 2013 Kia Optima and 1 more
Licenses
10 professional licenses (Life Agent, General Lines Agent)
PPP Loans
$621K for Astoria Downtown Historic District Association, The Kennebec Land Trust

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 Collins Taylor. Because public records are indexed by name rather than by a unique identifier, the 92 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.

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 Collins Taylor

Search Complexity: High

92 public records across 26states, belonging to approximately 33 different individuals. With 33 distinct profiles across 26 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Professional License Records section may be most helpful for disambiguation because these records contain license numbers and issuing states.

Geographic Distribution

Records are widely distributed across 26 states. Highest concentration: Alabama (8%), followed by Louisiana and California. Spans the South and West regions.

AL7recordsLA5recordsCA5recordsFL5recordsMS3recordsTX3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (43%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (23) and Professional License Records (10).

37
Contact & Address Records
23
PPP Loan Records
10
Professional License Records
8
Business & Corporate Filings
3
Vehicle Registration Records
2
Voter Registration Records

Age Distribution

Age range: approximately 55 years, suggesting multiple generations. Largest group: Senior (65+) (56%).

Senior (65+)5peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Collins Taylor

Is Collins Taylor a registered voter?
Yes, voter registration records show Collins Taylor is registered in Connecticut with A affiliation. 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 Collins Taylor own property?
County assessor records show 1 property associated with Collins Taylor . 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 Collins Taylor?
Records show 3 vehicle registrations associated with Collins Taylor, including a 2003 NISSAN FRONTIER. Registered makes include Nissan, Kia. 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 Collins Taylor?
We found 8 business affiliations for Collins Taylor (Owner). Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Collins Taylor?
Our database contains 92 total records for Collins Taylor spanning 26 states. This includes 33 distinct contact records, 9 with phone numbers, 1 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 Collins Taylor?
The 92 records displayed for Collins Taylor 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 Collins Taylor 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.