Derek Rapp from Santa Barbara, CA

Age 54 b. Jan 1972 Santa Barbara Co.
๐Ÿ“ 334 W Islay St Unit 15
๐Ÿ“ž (256) 379-2206, (805) 899-6072

Derek Rapp

๐Ÿ“ 2068 Saint Marys Rd, Sublette Il
๐Ÿ“ž (815) 712-4327, (847) 331-2847
โœ‰๏ธ RAPPCATTLE@AOL.COM

Derek Rapp from Yuba City, CA

Sutter Co.
๐Ÿ“ 832 Richland Rd
๐Ÿ“ž (210) 922-6441, (210) 272-0551

Derek Rapp from Bountiful, UT

Age 51 b. Aug 1974 Davis Co.
๐Ÿ“ 1954 S Davis Blvd
๐Ÿ“ž (215) 335-0399

Derek Rapp from Saint Louis, MO

Age 63 b. Jul 1962 Saint Louis Co.
๐Ÿ“ 3004 Thornbury Dr
๐Ÿ“ž (314) 993-5580

Derek Rapp from Boulder, CO

Age 46 b. May 1979 Boulder Co.
๐Ÿ“ 4125 Aurora Ave
๐Ÿ“ž (956) 565-0649

Derek Rapp from Petersburg, IL

Male
๐Ÿ“ 522 W Stephenson St
๐Ÿ“ž (217) 306-1028 (SPRINT)

Derek Rapp from Saint Louis, MO

Age 64 b. 1962 Male
๐Ÿ“ 5 Overbrook Dr
๐Ÿ“ž (314) 962-2332

Derek Rapp from Chillicothe, OH

Age 41 b. Jun 1984
๐Ÿ“ 639 Oneida Rd

Derek Rapp from Pender, NE

Age 66 b. Sep 1959 Thurston Co.
๐Ÿ“ Po Box 429

Derek Rapp from Santa Barbara, CA

Age 55 b. 1971 Male
๐Ÿ“ 235 Vista De La Cumbre
๐Ÿ’ผ 1403
๐Ÿ“ž (805) 963-9532

Derek Rapp

๐Ÿ“ 235 Vista De La Cumbre, Santa Barbara Ca
๐Ÿ“ž (805) 895-5220, (805) 895-5220

Derek Rapp from Titusville, PA

Crawford Co.
๐Ÿ“ 11950 Spring Creek Rd

Derek Rapp from Dayton, OH

Montgomery Co.
๐Ÿ“ 2100 Lake Glen Ct

Derek Rapp from Winston Salem, NC

Forsyth Co.
๐Ÿ“ 1535 Overbrook Ave

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 16 contact records for Derek Rapp across 9 states. The most recent address on file is in Santa Barbara, California. Of these records, 11 include phone numbers and 2 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Rapp Derek & Jayanthi

Dallas County
· 9605 Crestedge Dr, Dallas Tx
Built: 1966.0
Assessed: $513,240

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

Derek S Rapp

Republican Reg: 01/31/1994
900 River Rd, Warren, PA, 16365
DOB: 12/17/1957 Gender: Male

Derek Rapp

Democrat
922cypress Ln, Louisville, CO, 80027
DOB: 1979 Gender: Male
County: Boulder

Derek K Rapp

County: St. Louis

Derek Kirby Rapp

BLK
10 Barclay Street, 10007
DOB: 19620708 Gender: Male

Derek S Rapp

900 River Rd
DOB: 12/17/1957 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 5 voter registration records were found for Derek Rapp in Pennsylvania, Colorado. Records show affiliations with R, DEM, BLK, which may reflect different individuals or changes over time. 1 registration is currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2013 Jeep Grand Cherokee
ยท Registered to: Derek Rapp
ยท VIN: 1C4RJFBGXDC529753
·
922 Cypress Ln, Louisville, CO, 80027
·
(303) 641-2410
2013 Toyota Highlander Hybrid
ยท Registered to: Derek Rapp
ยท VIN: JTEDC3EH7D2015528
·
5 Overbrook Dr, Saint Louis, MO, 63124
·
(314) 962-2332
2011 JEEP GRAND CHEROKEE
ยท Registered to: Derek Rapp
ยท VIN: 1J4RR4GT7BC615208
·
148 Carlton Ave SE, Grand Rapids, MI, 49506-1650
2004 TOYOTA SIENNA MINIVAN PASSENGER
ยท Registered to: Derek Rapp
ยท VIN: 5TDZA23C74S143651
·
11950 Springcreek Rd, Titusville, PA, 16354
·
(814) 827-1954

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 4 vehicle registration records are associated with Derek Rapp. Registered makes include Jeep, Toyota. 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.

Business Record

+18059639532

Divergence Inc

Chief Executive Officer
(314) 812-8024
Saint Louis, MO
Engineering, Management, Accounting, Research and Related Industries (Services)

Derek Rapp

Director

Divergence Inc.

Derek RappChief Executive Officer
+1.314.812.8052rapp@divergence.com
Saint Louis, MO63141-7926

Cortex

Derek RappDirector
St Louis, MO

Derek Rapp

Territory Representative - Western Region
Swedish Match

Hill House Inn of Mendocino

Derek RappManager Business Intelligence
drapp12@hotmail.com
11950 Springcreek Rd, Titusville, PA16354
hillhouseinn.com

Divergence Inc

Derek RappChief Executive Officer And Director
(314) 812-8052rapp@divergence.com
Saint Louis, MO

Midwest Bankcentre

Derek RappChief Executive Officer
(314) 631-5500drapp@midwestbankcentre.com
Saint Louis, MO

Derek Rapp

President and Chief Execu ยท Greater St. Louis Area

Derek Rapp

San Diego, CA

Hill House Inn of Mendocino

Derek RappManager Business Intelligence
drapp12@hotmail.com
11950 Springcreek Rd, Titusville, PA16354

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 30 business affiliations were found for Derek Rapp. Companies include Divergence Inc, Divergence Inc., Midwest Bankcentre and 1 more. Roles listed include Null and Sales And Marketing Support. Records are compiled from state business registries, SEC filings, and professional networking databases.

Derek Rapp

ID: F00282354
Addr: 26 Broadway Street-14fl, New York, NY, 10004
NY

Jdrf International

Filed: Aug 1, 1974
CEO: Derek Rapp

Peak Stormwater Engineering, LLC

Addr: Louisville, CO
Registered Agent: Derek Nicholas Rapp

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway- 14th Floor, New York, NY, 10004
NY

Derek Rapp

Addr: 26 Broadway-15th Floor, New York, NY, 10004
NY

Unknown Corporation

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

Unknown Corporation

PRESIDENT: Derek Rapp

Derek Rapp,

Addr: 26 Broadway 15th Fl, New York, NY, 10004
NY

Jdrf International

Addr: 26 Broadway-14th Floor, New York, NY, 10004
NY
Officer: Derek Rapp

Jdrf International Incorporated

Addr: 26 Broadway-15th Floor, New York, IN, 10004
IN
President: Derek Rapp

Jdrf International

FOREIGN NONPROFIT CORPORATION
Addr: 26 Broadway 14th Floor, New York, NY, 10004
NY
Officer: Derek Rapp

Unknown Corporation

Officer: Derek Rapp

Unknown Corporation

P/CEO: Derek Rapp

Unknown Corporation

ID: 43042
Principal: Derek Rapp

Unknown Corporation

Addr: 26 Broadway 14th floor New York, NY 10004
Officer: Derek Rapp

Source: Public Records Derek Rapp appears in 26 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Derek Rapp

PLASTIC AND RECONSTRUCTIVE SURGERY
Individual Male
NPI: 1376704346
School: WAKE FOREST UNIVERSITY SCHOOL OF MEDICINE (2008)
Org: Regional Plastic Surgery Center PA

derek rapp

Physician License
NONE
License: Q9487

Source: CMS NPI Registry (NPPES) ยท State Medical Boards ยท Healthcare Provider Databases 2 healthcare provider records found for Derek Rapp 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.

derek Nicholas rapp

Active
License # 42209
Specialty: Civil
Addr: Louisville, CO

Derek Rapp

PE
Active
Specialty: Civil
Addr: Louisville, CO

Derek Rapp

Cosmo
NOT RENEWED
License # 011292492
Firm: Derek T Rapp
Addr: Peoria, IL 61615

derek rapp

Cosmo
NOT RENEWED
License # 011292492
Addr: Peoria, IL 61615
County: Peoria
Issued: Mar 2, 2011 Exp: Sep 30, 2013

Licensed Professional

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Derek Rapp holds 5 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.

Derek K Rapp

Apr 7, 2016, 02:00 PM
ยท Meeting with: White House Staff
ยท OEOB

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA Derek Rapp appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

Derek Rapp

Amboy High School - Amboy, IL, IL
1993

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Derek Rapp 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.

$52 Jun 17, 2013
2014
Psea Pace For State Elections
Rapp, Derek S Titusville, PA
$52 Apr 28, 2004
2004
Pace Psea For State Elections
Rapp, Derek S Titusville, PA
$52 Jun 16, 2015
2016
Psea Pace For State Elections
Rapp, Derek S Titusville, PA
$52 Jun 8, 2016
2016
Psea Pace For State Elections
Rapp, Derek S Titusville, PA
$52 Jun 17, 2013
Psea Pace For State Elections
Contributor Titusville, PA
$52
2014
Psea Pace For State Elections
Contributor Titusville, PA
$10 20240408
Dallas County Medical Society PAC
Contributor Physician Dallas, TX

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 7 political contribution records found for Derek Rapp. Total disclosed contributions amount to $322. Recipients include Psea Pace For State Elections, Dallas County Medical Society PAC. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Derek A Rapp

Age 35 Male
·
9605 Crestedge Dr, Dallas, TX 75238 (Dallas County)
32.8784, -96.7216
TZ: Central
Edu: Some College
Single Family
MP

Derek K Rapp

Age 55 Male
·
10 Barclay St, New York, NY 10007 (New York County)
40.7121, -74.0085
· (314) 962-2332
Marital: Married TZ: Eastern
Edu: High School
Multi-Family
MP

Derek R Rapp

Age 41 Male
·
2063 Saint Marys Rd, Sublette, IL 61367 (Lee County)
41.6008, -89.2425
· (815) 849-5295
Marital: Married TZ: Central
Homeowner Single Family Built 1900
MP

Derek B Rapp

Age 46 Male
·
235 Vista De La Cumbre, Santa Barbara, CA 93105 (Santa Barbara County)
34.4458, -119.7270
Marital: Married TZ: Pacific
Occ: Technical
Homeowner Single Family Built 1950 Purchased 2011
MP

Derek L Rapp

Age 33 Male
·
639 Oneida Rd, Chillicothe, OH 45601 (Ross County)
39.3281, -82.9826
TZ: Eastern
Edu: High School
MP

Derek Rapp

Age 39 Male
·
5695 Panhandle Rd, New Vienna, OH 45159 (Clinton County)
39.2784, -83.6799
Marital: Single TZ: Eastern
Edu: Some College
Homeowner Single Family
MP

Derek S Rapp

Age 43 Male
·
1811 S 550 W, Woods Cross, UT 84087 (Davis County)
40.8719, -111.8940
· (801) 725-6339
TZ: Mountain
Single Family
MP

Derek S Rapp

Age 59 Male
·
11950 Spring Creek Rd, Titusville, PA 16354 (Crawford County)
41.6408, -79.6554
· (814) 602-5520
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family
MP

Derek Rapp

Male
·
527 Cedar Dr, Metamora, IL 61548 (Woodford County)
40.8104, -89.4398
TZ: Central
Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 9 demographic profiles associated with Derek Rapp. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find Derek Rapp on the map

Blank map of the United States, territories not included Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
7
5
7
1
1
9
1
1
19
5
9
4
2

Derek Rapp in OH: Background Summary

Location
932 Luckhart Rd Kingston, OH 45644-9552
Other Locations
Santa Barbara, CA ยท Yuba City, CA ยท Bountiful, UT and 8 more
Profiles Found
16 people with this name
Phone Numbers
(740) 655-2770 and 15 others on file
Email
drapp@hotmail.com and 1 other on file
Possible Relatives
Denise L Royster, Katrina S Bowling, Natashia A Reisinger, Robert L Rapp JR, Robert L Rapp and 35 more
Career
Sales And Marketing Support, Chief Executive Officer at Divergence Inc, Divergence Inc.
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
4 linked โ€” 2013 Jeep Grand Cherokee, 2013 Toyota Highlander Hybrid and 2 more
Contributions
$322 total โ€” Psea Pace For State Elections, Psea Pace For State Elections
Healthcare
Licensed provider โ€” PLASTIC AND RECONSTRUCTIVE SURGERY
Licenses
4 professional licenses (PE, COSMO)
White House
1 recorded visit

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 Derek Rapp. Because public records are indexed by name rather than by a unique identifier, the 109 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.

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 Derek Rapp

Search Complexity: High

109 public records across 13states, belonging to approximately 16 different individuals. With 16 distinct profiles across 13 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 13 states. Highest concentration: New York (17%), followed by Missouri and Pennsylvania. Spans the Northeast and Midwest regions.

NY19recordsMO9recordsPA9recordsIL7recordsCA7recordsCO5records

Record Type Breakdown

Data spans 9 record categories. Largest: Business & Corporate Filings (31%), which reveal professional roles and employer history. Also includes Corporate Records (26) and Contact & Address Records (18).

30
Business & Corporate Filings
26
Corporate Records
18
Contact & Address Records
7
Political Contribution Records
5
Voter Registration Records
5
Professional License Records

Age Distribution

Age range: approximately 25 years, suggesting multiple generations. Largest group: Senior (65+) (17%).

Senior (65+)1personMiddle-Age (40-64)5people

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

Frequently Asked Questions About Derek Rapp

Is Derek Rapp a registered voter?
Yes, voter registration records show Derek Rapp is registered in Pennsylvania with R affiliation. We found 5 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Derek Rapp own property?
County assessor records show 1 property associated with Derek Rapp . 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 Derek Rapp?
Records show 4 vehicle registrations associated with Derek Rapp, including a 2013 Jeep Grand Cherokee. Registered makes include Jeep, 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 Derek Rapp?
We found 30 business affiliations for Derek Rapp (null). Other companies include Divergence Inc., Midwest Bankcentre. Business records are compiled from state registries, SEC filings, and professional databases.
Is Derek Rapp a healthcare provider?
Yes, the CMS National Provider Identifier registry lists Derek Rapp as a registered healthcare provider (NPI: 1376704346). 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 Derek Rapp made political donations?
FEC disclosure records show 7 reported political contributions from Derek Rapp, totaling $322. Recipients include Psea Pace For State Elections and Dallas County Medical Society PAC. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Derek Rapp?
Our database contains 109 total records for Derek Rapp spanning 13 states. This includes 16 distinct contact records, 11 with phone numbers, 2 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 Derek Rapp?
The 109 records displayed for Derek Rapp 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 Derek Rapp 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.