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Denise Whitcomb from Houston, TX

Age 47
📍 7402 Alabonson Rd, Houston, TX 77088
📞 (281) 741-7667
👨‍👩‍👧 Relatives: Yvette Garcia,Aletta K Covington,Rene Garcia,Yvette Garcia,Pablo Juan Garcia,Arnoldo Alfonso Garcia,Leonila Gonzalez Garcia,Melecio A Garcia,Roxanne G Garcia

Denise Whitcomb from Carp Lake, MI

Age 58
📍 4301 Straits View Dr, Carp Lake, MI 49718
📞 (231) 275-7021, (850) 236-6273, (616) 275-7021
👨‍👩‍👧 Relatives: Dennis Loren Whitcomb,Nowell K Whitcomb

Denise Whitcomb from Kailua Kona, HI

Age 76 b. Jan 1950 Hawaii Co.
📍 Po Box 5533
📞 (808) 329-8727
👤 aka Denise Testa

Denise Whitcomb from Inyokern, CA

Age 61 b. Dec 1964 Kern Co.
📍 2633 State Hwy 14
📞 (760) 377-5809

Denise Whitcomb from Dania, FL

Age 67 b. Aug 1958 Broward Co.
📍 315 Se 11th Ter Apt 303
📞 (954) 927-2964

Denise Whitcomb from Omaha, NE

Age 68 b. Aug 1957 Douglas Co.
📍 5929 N 34 Th St
📞 (402) 991-7692

Denise Whitcomb from Mechanicsburg, PA

Age 78 b. Nov 1947 Cumberland Co.
📍 10 Maple Dr
📞 (717) 432-9916

Denise Whitcomb from Atlantic Beach, FL

Age 72 b. Jun 1953 Duval Co.
📍 1162 Mayport Landing Dr
📞 (952) 487-3704

Denise Whitcomb from Milton, VT

Age 66 b. Jan 1960 Chittenden Co.
📍 363 East Rd
📞 (802) 893-4046

Denise Whitcomb from Riverside, CA

Female
📍 19446 De Marco Rd
📞 (951) 907-7504 (T-MOBILE)

Denise Whitcomb from Inyokern, CA

Age 62 b. 1964 Female
📍 2633 State Highway 14
📞 (951) 907-7504

Denise Whitcomb from Marcus Hook, PA

Age 59 b. Sep 1966 Delaware Co.
📍 227 White Ave
👤 aka Bernard Denise L, Ward Denise L, Withcomb Denice

Denise Whitcomb from Glen Rock, PA

Age 61 b. Jun 1964 York Co.
📍 61 Manchester St A

Denise Whitcomb from Panama City, FL

Age 70 b. 1956 Bay Co.
📍 8817 S Thomas Dr Unit 513

Denise Whitcomb from Winooski, VT

Age 66 b. Jan 1960 Chittenden Co.
📍 45 W Center St Unit 3
👤 aka Denise Ann Leblanc

Denise Whitcomb from Vacaville, CA

Age 68 b. Feb 1958 Solano Co.
📍 299 Shasta Dr 27

Denise Whitcomb from Mount Morris, MI

Genesee Co.
📍 7017 N Clio Rd
📞 (314) 838-4644

Denise Whitcomb from Sutter Creek, CA

Amador Co.
📍 12954 Ridge View Dr
📞 (916) 769-7212

Denise Whitcomb from Sheffield, VT

📍 495 Mosher Rd
📞 (909) 594-0189

Denise Whitcomb from Mechanicsburg, PA

Cumberland Co.
📍 20 Longmeadow St

Denise Whitcomb from Cocoa, FL

📍 1524 Clearlake Rd Apt 17

Denise Whitcomb from Saugus, MA

Essex Co.
📍 43 Churchill St

Denise Whitcomb from Euclid, OH

Cuyahoga Co.
📍 217 E 242nd St

Denise Whitcomb from Volcano, CA

Amador Co.
📍 21473 Consolation St

Denise Whitcomb from Glen Rock, PA

York Co.
📍 65 Manchester St B

Denise Whitcomb from Baltimore, MD

Baltimore City Co.
📍 313 S Vincent St

Denise Whitcomb from Cocoa, FL

Brevard Co.
📍 914 Clearlake Rd Lot 106 B

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 27 contact records for Denise Whitcomb across 11 states. The most recent address on file is in Kailua Kona, Hawaii. Of these records, 14 include phone numbers. Ages range from 47 to 58, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Whitcomb Denise A

Douglas County
· 5929 N 034 St, Omaha

Denise Whitcomb

2022 Dutchess County
· 3 Brentwood, Poughkeepsie

Denise Whitcomb

2024 Dutchess County
· 3 Brentwood, Poughkeepsie

Denise Whitcomb

2021 Dutchess County
· 3 Brentwood, Poughkeepsie

Denise Whitcomb

2023 Dutchess County
· 3 Brentwood, Poughkeepsie

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 5 property records linked to Denise Whitcomb in Omaha. Values shown are from county assessor records and may differ from current market prices.

Denise M Whitcomb

Reg: S2132831
8 Lakeview Rd, 3, 12603
DOB: 19820622 Gender: Female

Denise M Whitcomb

Republican
8 Lakeview Rd, 3, 12603
DOB: 19820622 Gender: Female

Denise Whitcomb

495 Mosher Rd, Sheffield, VT

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

1993 OLDSMOBILE CUTLASS CAR UP/MID SPCLTY
· Registered to: Denise Whitcomb
· VIN: 1G3WH14M3PD372747
·
1162 Mayport Landing Dr, Atlantic Beach, FL, 32233
1989 DODGE SHADOW CAR BASIC ECONOMY
· Registered to: Denise Whitcomb
· VIN: 1B3BP44K8KN657420
·
1162 Mayport Landing Dr, Atlantic Beach, FL, 32233
2017 Kia Soul
· Registered to: Denise Whitcomb
· VIN: KNDJN2A23H7428584
·
3055 Choctaw Rd Ne, Brookhaven, MS, 39601
1991 FORD EXPLORER WAGON
· Registered to: Denise Whitcomb
· VIN: 1FMCU24X2MUC31464
·
5929 N 34th St, Omaha, NE, 68111
·
(402) 991-7692

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 4 vehicle registration records are associated with Denise Whitcomb. Registered makes include Oldsmobile, Dodge, Kia, Ford. 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.

TorQuest Partners

Executive Assistant
+14169567022whitcomb@torquest.com
Toronto,
LinkedIn

New Hamshire Public Defence

Administrator
(603) 444-1185
Littleton, NH
Public Order, Safety and Justice (Government)

Ridgecrest Pregnancy Care Center

Denise WhitcombTreasurer
Ridgecrest, CA

Denise Whitcomb

Acem
Gap INC.
New York, New York, United States Retail
dwhitcomb@gapinc.com
LinkedIn

Denise Whitcomb

Human Resources
Shiloh Industries
Ohio
dawhitcomb@shiloh.com
LinkedIn

Tech-Time Communications

Denise WhitcombAssistant Technical Director
denisewhitcomb@ymail.com
162 Brookdale Cat, Oroville, CA95966
techtimecomm.com

East Central Elect CO Op Inc

Denise WhitcombOwner
(810) 564-6493penguindw@hotmail.com
7017 N Clio Rd, Mount Morris, mi48458

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 16 business affiliations were found for Denise Whitcomb. Companies include New Hamshire Public Defence, Gap INC., East Central Elect CO Op Inc. Roles listed include Executive Assistant and Human Resources. Records are compiled from state business registries, SEC filings, and professional networking databases.

Whitcomb-Gauthier Partnership

Addr: VT
VT
Member: Denise M. Whitcomb

Unknown Corporation

ID: 168775
Principal: Denise M. Whitcomb

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

Denise Whitcomb

Garden Grove High School - Garden Grove, CA, CA
1978

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Denise Whitcomb has 1 education-related record on file, which may include educator certifications and historical yearbook entries. Yearbook data represents a historical snapshot and may not reflect current information.

$1 Aug 26, 2017
2018 DEM
Actblue
Whitcomb, Denise Skills Trainer @ Pine Castle, INC Jacksonville, FL
$10 Feb 23, 2018
2018 DEM
Welder, Brent
Whitcomb, Denise Not Employed Jacksonville, FL
$5 May 14, 2020
2020
Progressive Turnout Project
Whitcomb, Denise Not Employed Jacksonville, FL
$3 Aug 26, 2017
2018
314 Action Fund
Whitcomb, Denise Skills Trainer @ Pine Castle, INC Jacksonville, FL
$3 Jul 26, 2017
2018
314 Action Fund
Whitcomb, Denise Skills Trainer @ Pine Castle, INC Jacksonville, FL
$1 Jul 26, 2017
2018 DEM
Actblue
Whitcomb, Denise Skills Trainer @ Pine Castle, INC Jacksonville, FL
$30 Nov 8, 2020
2020
Trump Make America Great Again Committee
Whitcomb, Denise Retired Ridgecrest, CA
$30 Nov 8, 2020
Trump Make America Great Again Committee
Contributor Retired Ridgecrest, CA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 8 political contribution records found for Denise Whitcomb. Total disclosed contributions amount to $82. Recipients include Trump Make America Great Again Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Denise A Whitcomb

Age 57 Female
·
363 East Rd, Milton, VT 05468 (Chittenden County)
44.6179, -73.0997
Marital: Married TZ: Eastern
Occ: Healthcare Edu: High School
Homeowner Single Family
MP

Denise Whitcomb

Female
·
43 Churchill St, Saugus, MA 01906 (Essex County)
42.4578, -71.0054
· (617) 771-9850
Marital: Inferred Single TZ: Eastern
Homeowner Single Family
MP

Denise Whitcomb

Female
·
PO Box 505, Decatur, AR 72722 (Benton County)
36.3356, -94.4508
Marital: Married TZ: Central
MP

Denise A Whitcomb

Age 61 Female
·
4539 E Sanford Lake Dr, Lake Ann, MI 49650 (Benzie County)
44.7240, -85.8502
TZ: Eastern
Single Family
MP

Denise K Whitcomb

Age 64 Female
·
1162 Mayport Landing Dr, Atlantic Bch, FL 32233 (Duval County)
30.3642, -81.4248
· (904) 651-3405
Marital: Married TZ: Eastern
Occ: Service Industry Edu: High School
Single Family
MP

Denise Whitcomb

Female
·
3395 Spangler Dr, Lexington, KY 40517 (Fayette County)
37.9814, -84.5056
TZ: Eastern
Multi-Family
MP

Denise Whitcomb

Age 59 Female
·
7017 N Clio Rd, Mount Morris, MI 48458 (Genesee County)
43.1047, -83.7341
· (810) 701-8545
Marital: Single TZ: Eastern
Single Family
MP

Denise Whitcomb

Female
·
948 Gaywood Ln, Webster, NY 14580 (Monroe County)
43.2109, -77.4773
· (585) 671-9283
Marital: Married TZ: Eastern
Occ: Professional
Homeowner Single Family Built 1941
MP

Denise Whitcomb

Age 58 Female
·
1188 W Highway 102, Decatur, AR 72722 (Benton County)
36.3351, -94.4463
Marital: Single TZ: Central
Edu: Some College
Single Family
MP

Denise Whitcomb

Age 47 Female
·
2830 Lawndale Rd, Finksburg, MD 21048 (Carroll County)
39.5260, -76.8948
TZ: Eastern
Single Family
MP

Denise Whitcomb

Age 52 Female
·
87675 Highway 101, Florence, OR 97439 (Lane County)
44.0164, -124.1020
Marital: Single TZ: Pacific
Edu: High School
Homeowner Multi-Family Built 1990
MP

Denise H Whitcomb

Age 52 Female
·
238 Mesquite Ave, Ridgecrest, CA 93555 (Kern County)
35.6439, -117.6740
· (760) 977-1112
Marital: Married TZ: Pacific
Edu: Graduate School
Homeowner Single Family Built 1963 Purchased 2016
MP

Denise M Whitcomb

Female
·
495 Mosher Rd, Sheffield, VT 05866 (Caledonia County)
44.6033, -72.0919
Marital: Married TZ: Eastern
Homeowner Single Family
MP

Denise M Whitcomb

Age 35 Female
·
8 Lakeview Rd, Poughkeepsie, NY 12603 (Dutchess County)
41.6447, -73.8631
Marital: Single TZ: Eastern
Homeowner Single Family Built 1955 Purchased 2011
MP

Denise Whitcomb

Age 59 Female
·
137 Forest Lake Dr, Cocoa, FL 32926 (Brevard County)
28.3571, -80.7974
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1984 Purchased 1987
MP

Denise A Whitcomb

Age 60 Female
·
5929 N 34th St, Omaha, NE 68111 (Douglas County)
41.3127, -95.9640
· (402) 991-7692
Marital: Single TZ: Central
Occ: Service Industry
Homeowner Single Family Built 1960 Purchased 2011
MP

Denise Whitcomb

Age 37 Female
·
162 Brookdale Ct, Oroville, CA 95966 (Butte County)
39.4933, -121.5230
· (530) 370-6310
Marital: Inferred Single TZ: Pacific
Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 17 demographic profiles associated with Denise Whitcomb. 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 Denise Whitcomb. These loans were issued to businesses, not individuals.

Jordan Yancey

Sole Proprietorship

$20,208 Paid in Full
Address:
7402 Alabonson Rd
Houston, TX77088-5354
Approved

Mar 31, 2021

Forgiven

$20,279

Jobs Reported

1

Loan #

3646288704

Loan Size

Small

Jawhari Hasan

Sole Proprietorship

$9,582 Paid in Full
Address:
4347 Inner Circle Dr Apt C2
Brunswick, OH44212-2848
Approved

Apr 22, 2021

Forgiven

$9,655

Jobs Reported

1

Loan #

7683838809

Loan Size

Small

Stephanie Brown

Sole Proprietorship

$20,833 Exemption 4
Address:
7402 Alabonson Rd
Houston, TX77088-5354
Approved

May 22, 2021

Jobs Reported

1

Loan #

5521279006

Loan Size

Small

Kamikka Marshall

Self-Employed Individuals

$18,143 Exemption 4
Address:
7402 Alabonson Rd
Houston, TX77088-5354
Approved

Apr 26, 2021

Jobs Reported

1

Loan #

2191188903

Loan Size

Small

Stephanie Brown

Sole Proprietorship

$20,833 Exemption 4
Address:
7402 Alabonson Rd
Houston, TX77088-5354
Approved

Apr 17, 2021

Jobs Reported

1

Loan #

5403478805

Loan Size

Small

Jordan Yancey

Sole Proprietorship

$20,208 Paid in Full
Address:
7402 Alabonson Rd
Houston, TX77088-5354
Approved

Apr 19, 2021

Forgiven

$20,270

Jobs Reported

1

Loan #

6433438810

Loan Size

Small

Meaquiala McDaniel

Sole Proprietorship

$15,257 Paid in Full
Address:
7402 Alabonson Rd
Houston, TX77088-5354
Approved

Apr 4, 2021

Forgiven

$15,374

Jobs Reported

1

Loan #

6720048705

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 7 PPP loan records are linked to businesses associated with Denise Whitcomb. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Denise Whitcomb on the map

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Found 66 results across 17 states

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Denise Whitcomb in Kailua Kona, HI: Background Summary

Location
PO Box 5533, Kailua Kona, HI 96745
Other Locations
Inyokern, CA · Dania, FL · Omaha, NE and 17 more
Profiles Found
27 people with this name
Phone Numbers
(281) 741-7667 and 12 others on file
Possible Relatives
Yvette Garcia, Aletta K Covington, Rene Garcia, Pablo Juan Garcia, Arnoldo Alfonso Garcia and 5 more
Career
Executive Assistant, Human Resources at New Hamshire Public Defence, Gap INC.
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
4 linked — 1993 Oldsmobile Cutlass, 1989 Dodge Shadow and 2 more
Contributions
$82 total — Trump Make America Great Again Committee
PPP Loans
$125K for Jordan Yancey, Jawhari Hasan

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 Denise Whitcomb. Because public records are indexed by name rather than by a unique identifier, the 96 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 Denise Whitcomb

Search Complexity: High

96 public records across 17states, belonging to approximately 27 different individuals. With 27 distinct profiles across 17 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 17 states. Highest concentration: California (15%), followed by Florida and Michigan. Spans the West and South regions.

CA14recordsFL10recordsMI9recordsVT7recordsPA5recordsHI4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (42%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (16) and Political Contribution Records (8).

33
Contact & Address Records
16
Business & Corporate Filings
8
Political Contribution Records
7
PPP Loan Records
5
Property Ownership Records
4
Vehicle Registration Records

Age Distribution

Age range: approximately 32 years, suggesting multiple generations. Largest group: Senior (65+) (64%).

Senior (65+)7peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Denise Whitcomb

Is Denise Whitcomb a registered voter?
Yes, voter registration records show Denise Whitcomb is registered. We found 3 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Denise Whitcomb own property?
County assessor records show 5 properties associated with Denise Whitcomb . 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 Denise Whitcomb?
Records show 4 vehicle registrations associated with Denise Whitcomb, including a 1993 OLDSMOBILE CUTLASS. Registered makes include Oldsmobile, Dodge, Kia, Ford. 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 Denise Whitcomb?
We found 16 business affiliations for Denise Whitcomb (Executive Assistant). Other companies include gap inc., East Central Elect CO Op Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Denise Whitcomb made political donations?
FEC disclosure records show 8 reported political contributions from Denise Whitcomb, totaling $82. Recipients include Trump Make America Great Again Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Denise Whitcomb?
Our database contains 96 total records for Denise Whitcomb spanning 17 states. This includes 27 distinct contact records, 14 with phone numbers. 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 Denise Whitcomb?
The 96 records displayed for Denise Whitcomb 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 Denise Whitcomb 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.