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Mr Derrick Jay Ragland from Margate, FL

Age 66
📍 7051 Nw 22nd Way, #margate, FL 33063-2025
✉️ ragland@hotpop.com, deborahragland@gateway.net, r.ragland@yahoo.com, hunterhhh@comcast.net, ragland@sbcglobal.net, rragland@yahoo.com, dragland@ameritrade.com, dragland@worldnet.att.net, rick.ragland@netscape.net, r_r85@hotmail.com, mommarags812@wmconnect.com, r_ragiand@yahoo.com, r_ragland@yahoo.com
👨‍👩‍👧 Relatives: Jacqueline W Ragland,John W Ragland Jr,Kelly A Ragland,Laurel A Ragland,Todd H Ragland,Conor J Flaherty,Leonardo Gustavo Mcadams,Meagan R Flaherty,Adam J Sanford,Berta L Flaherty,Berta Lucy Flaherty,Carolina Guio,Cosetta D Barnett,Emily A Calkins,Emmitt A Topping Jr,Eric P Kerzel,Garett Alan Griffin,Heidi K Ross Jr,Jennifer E Griffin,Jillian M Topping,John David Kerzel,Karl J Kerzel,Kate E Calkins,Kelsey M Topping,Lillian M Flaherty,Lillian A Flaherty,Lisa A Boyle,Lisa M Cone,Lisa Flaherty,Lisa A Flaherty,Lisa A Flaherty,Loida R Flaherty,Matthew Lewis Herrmann,Megan Mae Morrison,Melanie A Topping,Michael A Beck,Michael D Morrison,Patricia L Herrmann,Patricia Smith,Phillip A Barnett,Randy L Dillaha,Samuel Luis Herrmann,Steven H Chatterton,Susan A Harlan,Terry W Sanford,Thomas M Calkins,Thomas M Calkins Jr,Thomas Michael Calkins Jr,William Francis Flaherty,William E Flaherty
🕐 10 previous addresses

Derrick Ragland from Atlanta, GA

Age 47
📍 412 Herrington Dr, Atlanta, GA 30342
📞 (404) 531-0407, (404) 503-5572, (404) 531-0407, (804) 639-4059, (407) 672-0449, (941) 676-7533
✉️ derrick@gate.net
👨‍👩‍👧 Relatives: Valerie Derrickragl,Valerie A Ragland

Derrick Ragland

📍 114 Post Oak Dr, Trussville Al
📞 (205) 914-4936, (205) 567-0497
✉️ RAGLAND3724@GMAIL.COM

Derrick Ragland

📍 444 Lake Chelsea Way, Chelsea Al 35043
📞 (205) 914-4936, (205) 567-0497
✉️ RAGLAND3724@GMAIL.COM

Derrick Ragland from Alexander City, AL

Age 80
📍 Shoreline Dr, Alexander City, AL 35010
📞 (256) 234-5512, (205) 655-4341, (256) 234-5512, (205) 655-3567, (205) 655-4341
👨‍👩‍👧 Relatives: Victoria C Ragland,Derrick E Raglandjr,Leean R Rothenstine,Alice B Ragland,Leean Ragland,Jr Derricke Ragland,Derick E Ragland,Curtis A Ragland,M C Ragland

Derrick Eugene Ragland from Alexander City, AL

📍 734 Shoreline Dr, #alexander City, AL 35010-5665
👨‍👩‍👧 Relatives: Alice B Ragland,Austin L Brown 3rd,Austin L Brown Jr,C Harris Brown,C Harris Brown,C Harris Brown,C Harris Brown,Charles Harris Brown,Derrick E Ragland Sr,Derrick Eugene Ragland 3rd,Derrick E Ragland Jr,Diana L Brown,Eddie Faber,Helen C Pullium,Jane Brown Rectenwald,Janice C Brown,Leean D Ragland,Lynda P Morris,Vickie C Ragland,Amy L Brown,Billy J Crabb Jr,Brenda C Brown,Charles Dexter Brown,Charles Lewis Rectenwald,Debra L Gilliland,Denada C Pullium,G Ragland,Gene Crabb,Helen C Pullium,Helen Pullium,Jacqueline M Brown,Jeffrey R Fishback,Joann A Brown,John S Kristofak,Joye H Brown,Linda Marie Crabb,Ray C Pullium,Dr Ray C Pullium,Ronald Rothenstine Rothenstine,Ruth B Pullium,William C Morris Sr,William C Morris Jr
🕐 16 previous addresses

Derrick Ragland from Trussville, AL

Age 56
📍 114 Post Oak Dr, Trussville, AL 35173
📞 (256) 343-6136, (205) 612-1523, (205) 655-4341, (205) 655-3567, (205) 664-8560
👨‍👩‍👧 Relatives: Victoria C Ragland,Leean R Rothenstine,Derrick E Ragland,Jr Derricke Ragland

Derrick Ragland from Trussville, AL

Jefferson Co.
📍 114 Post Oak Dr
📞 (205) 655-4341, (205) 612-1523

Derrick Ragland from Brooklyn, NY

Age 44 b. Apr 1981 Kings Co.
📍 339 E 26th St Unit
📞 (812) 346-6292

Derrick Ragland

📍 38 Halfmoon Ct, The Woodlands Tx
📞 (832) 523-0850, (832) 523-0850
✉️ RAGS2500@GMAIL.COM

Derrick Ragland from Trussville, AL

Age 67 b. May 1958 Jefferson Co.
📍 100 Mohawk Dr 13

Derrick Ragland from Longwood, FL

Age 58 b. Jun 1967
📍 216 High Castle Ln

Derrick Ragland from Trussville, AL

Age 92 b. Aug 1933 Jefferson Co.
📍 106 S Chalkville Rd

Derrick Ragland from Brooklyn, NY

Kings Co.
📍 339 E 26th St Fl 1 St
📞 (812) 346-6292

Derrick Ragland from Floydada, TX

Floyd Co.
📍 121 J B Ave
📞 (806) 983-2100

Derrick Ragland from Tucson, AZ

📍 3949 E Monte Vista Dr, Apt 211, #tucson, AZ 85712-5522

Derrick Ragland from Pompano Beach, FL

Age 74 b. 1952 Male
📍 7051 Nw 22nd Way

Derrick Ragland from Little Rock, AR

Age 39 b. 1987 Male
📍 4006 Wooddale Dr

Derrick Ragland from Leesburg, FL

Lake Co.
📍 900 Lucas St

Derrick Ragland from Margate, FL

Broward Co.
📍 7051 Nw 22nd Wa

Derrick Ragland from Tucson, AZ

Pima Co.
📍 3949 E Monte Vista Dr Apt 211

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 21 contact records for Derrick Ragland across 7 states. The most recent address on file is in Trussville, Alabama. Of these records, 11 include phone numbers and 5 include email addresses. Ages range from 47 to 80, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Ragland,derrick J & Deborah B

Broward County
PIN: 484126101120
· 7051 NW 22 Way, Margate 33063
Value: $183,030

Ragland Derrick

St-lucie County
PIN: 4511-517-0032-000-1
· 10600 S Ocean Dr 305, Saint Lucie County
Built: 1982.0
Assessed: $226,700

Ragland Derrick

St-lucie County
· 10600 S Ocean Dr 305, Hutchinson-Island 34950.0
Built: 1982.0
Assessed: $226,700

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 3 property records linked to Derrick Ragland in Hutchinson-Island. Values shown are from county assessor records and may differ from current market prices.

Derrick Ragland

Griffin, 30224
DOB: 1/1/1986 Gender: Male
Congress: 003

Derrick Ragland

Stone Mountain, 30088
DOB: 1/1/2002 Gender: Male
Congress: 004

Derrick Jay Ragland

7051 NW 22nd WAY, Margate, , 33063

Derrick Joseph Ragland

Democrat
12610 Weldon Manor Ln, Upper Marlboro, MD, 20772
Gender: Male
County: Prince George's

derrick TYRONE ragland

Democrat Reg: 03/22/2002
115 Hill St, Hillsborough, NC, 27278
DOB: 1983 Gender: Male
County: Orange

Derrick Ragland

Democrat
339 East 26 Street, 0, 11226
DOB: 19810428 Gender: Male

Derrick Ragland

Republican
5 Spruce Ln, 5, 10583
DOB: 19670615 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 7 voter registration records were found for Derrick Ragland in , Maryland, North Carolina. Records show affiliations with DEM, REP, which may reflect different individuals or changes over time. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2008 HONDA ACCORD
· Registered to: Derrick Ragland
· VIN: 1HGCP36878A031549
·
114 Post Oak Dr, Trussville, AL, 35173-1556
·
(205) 257-2735
2004 FORD F-150
· Registered to: Derrick Ragland
· VIN: 1FTPW12594KD46618
·
7051 NW 22nd Way, Margate, FL, 33063-2025
·
330632025
2017 Honda Accord U.S. Lx
· Registered to: Derrick Ragland
· VIN: 1HGCR2F3XHA041707
·
14350 Cindywood Dr, Houston, TX, 77079
1984 BUICK REGAL 4DR SEDAN
· Registered to: Derrick Ragland
· VIN: 1G4AJ69A6EH624602
·
741 Latimer St, Hillsborough, NC, 27278
1993 CADILLAC SEVILLE 4DR SEDAN
· Registered to: Derrick Ragland
· VIN: 1G6KY5295PU811891
·
115 Hill St N, Hillsborough, NC, 27278
·
(919) 732-4645

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 5 vehicle registration records are associated with Derrick Ragland. Registered makes include Honda, Ford, Buick, Cadillac. 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.

Hsbc

National Head Of Middle Market Corporate Banking
+18323085423derrick.s.ragland@us.hsbc.com
Prospect Heights,

SunTrust Banks, Inc.

Derrick RaglandCredit Analyst
(404) 588-7711derrick.ragland@suntrust.com
Atlanta, GA30308

Apco Employees Credit Union

Derrick RaglandCeo
Birmingham, AL

Kapcsandy Llc

Derrick RaglandInclusion Coordinator, Full Time Staff, Stepping Stones
(954) 559-8057dragland@ameritrade.com
7051 Nw 22nd Way, Margate, FL33063
kapcsandywines.com

Apco Employees Credit Union

Derrick RaglandBranch Administrator and Facilities Manager
(205) 257-3601dragland@apcocu.org
Birmingham, AL

Derrick Ragland

Banking · Houston, Texas

Derrick Ragland

Tampa, FL

Kapcsandy Llc

Derrick RaglandInclusion Coordinator, Full Time Staff, Stepping Stones
(954) 559-8057dragland@ameritrade.com
7051 Nw 22nd Way, Margate, FL33063

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 18 business affiliations were found for Derrick Ragland. Companies include SunTrust Banks, Inc., Apco Employees Credit Union, Kapcsandy Llc. Roles listed include National Head Of Middle Market Corporate Banking and Senior Vice President And Head Of Business Banking. Records are compiled from state business registries, SEC filings, and professional networking databases.

Derrick J Ragland

Group Tour
Dec 23, 2014, 10:30 AM
· WH

Source: White House Visitor Logs · Obama Administration Transparency Initiative · NARA Derrick Ragland 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.

Derrick Ragland

Hollywood Hills High School - Hollywood, FL, FL
1970

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Derrick Ragland 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.

$300 Feb 29, 2016
2016
League Of Southeastern Credit Unions Federal Pac
Ragland, Derrick Vice President @ Apco Employees Credit Union Birmingham, AL
$250 Feb 27, 2017
2018
League Of Southeastern Credit Unions Federal Pac
Ragland, Derrick Vice President @ Apco Employees Credit Union Birmingham, AL
$15 Jul 7, 2001
2002 I
Parker, Kevin
Ragland, Derrick Advance Specialist @ Friends Of Kevin Parker Brooklyn, NY
$450 Nov 3, 2023
2024
League Of Southeastern Credit Unions Federal Pac
Ragland, Derrick Vice President @ Apco Employees Credit Union Birmingham, AL
$300 Mar 8, 2016
2016
Culac The Pac Of Credit Union National Association
Ragland, Derrick Vice President @ Apco Ecu Birmingham, AL
$300 Mar 8, 2016
Culac The Pac Of Credit Union National Association
Contributor Vice President @ Apco Ecu Birmingham, AL
$250 Feb 28, 2022
Unknown Committee
Ragland, Derrick Vice President @ Apco Employees Credit Union Birmingham, AL

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 7 political contribution records found for Derrick Ragland. Total disclosed contributions amount to $1,865. Recipients include Culac The Pac Of Credit Union National Association. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Derrick Ragland

Age 36 Male
·
339 E 26th St, Brooklyn, NY 11226 (Kings County)
40.6428, -73.9525
Marital: Single TZ: Eastern
Edu: High School
Single Family
MP

Derrick Ragland

Age 50 Male
·
38 Halfmoon Ct, Spring, TX 77380 (Montgomery County)
30.1196, -95.4834
Marital: Inferred Married TZ: Central
Homeowner Single Family Built 1998 Purchased 2015
MP

Derrick J Ragland

Age 38 Male
·
12610 Weldon Manor Ln, Uppr Marlboro, MD 20772 (Prince Georges County)
38.8158, -76.7861
· (240) 481-3963
TZ: Eastern
Edu: High School
Homeowner Single Family Built 2007 Purchased 2011
MP

Derrick Ragland

Male
·
21 Cameron Dr, Yemassee, SC 29945 (Hampton County)
32.6997, -80.8568
TZ: Eastern
Homeowner Single Family Built 2005 Purchased 2005
MP

Derrick J Ragland

Age 65 Male
·
7051 NW 22nd Way, Pompano Beach, FL 33063 (Broward County)
26.2562, -80.2192
· (305) 973-3309
Marital: Married TZ: Eastern
Occ: Service Industry Edu: Graduate School
Homeowner Single Family Built 1981 Purchased 1981
MP

Derrick T Ragland

Age 33 Male
·
115 Hill St N, Hillsborough, NC 27278 (Orange County)
36.0875, -79.1094
· (919) 732-4645
Marital: Married TZ: Eastern
Homeowner Single Family Built 1960 Purchased 1975

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 6 demographic profiles associated with Derrick Ragland. 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 Derrick Ragland. These loans were issued to businesses, not individuals.

Cory Grimes

Self-Employed Individuals

$20,000 Exemption 4
Address:
3949 E Monte Vista Dr
Tucson, AZ85712-5500
Approved

Apr 29, 2021

Jobs Reported

1

Loan #

4853818901

Loan Size

Small

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

Find Derrick Ragland 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
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Found 43 results across 10 states

Fewer
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Derrick Ragland in FL: Background Summary

Location
7051 NW 22nd Way Margate, FL 33063-2025
Other Locations
Trussville, AL · Brooklyn, NY · Longwood, FL and 6 more
Profiles Found
21 people with this name
Phone Numbers
(954) 973-3309 and 12 others on file
Email
ragland@hotpop.com and 15 others on file
Possible Relatives
Jacqueline W Ragland, John W Ragland JR, Kelly A Ragland, Laurel A Ragland, Todd H Ragland and 93 more
Career
National Head Of Middle Market Corporate Banking, Senior Vice President And Head Of Business Banking at SunTrust Banks, Inc., Apco Employees Credit Union
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
5 linked — 2008 Honda Accord, 2004 Ford F-150 and 3 more
Contributions
$1,865 total — Culac The Pac Of Credit Union National Association
PPP Loans
$20,000 for Cory Grimes
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 Derrick Ragland. Because public records are indexed by name rather than by a unique identifier, the 71 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 Derrick Ragland

Search Complexity: High

71 public records across 10states, belonging to approximately 21 different individuals. With 21 distinct profiles across 10 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 10 states. Highest concentration: Alabama (20%), followed by Florida and Georgia. Spans the South and Northeast regions.

AL14recordsFL12recordsGA3recordsNY3recordsTX3recordsAZ2records

Record Type Breakdown

Data spans 7 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 (18) and Voter Registration Records (7).

22
Contact & Address Records
18
Business & Corporate Filings
7
Voter Registration Records
7
Political Contribution Records
5
Vehicle Registration Records
3
Property Ownership Records

Age Distribution

Age range: approximately 48 years, suggesting multiple generations. Largest group: Senior (65+) (43%).

Senior (65+)3peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Derrick Ragland

Is Derrick Ragland a registered voter?
Yes, voter registration records show Derrick Ragland is registered. We found 7 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Derrick Ragland own property?
County assessor records show 3 properties associated with Derrick Ragland . 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 Derrick Ragland?
Records show 5 vehicle registrations associated with Derrick Ragland, including a 2008 HONDA ACCORD. Registered makes include Honda, Ford, Buick, Cadillac. 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 Derrick Ragland?
We found 18 business affiliations for Derrick Ragland (National Head Of Middle Market Corporate Banking). Other companies include Apco Employees Credit Union, Kapcsandy Llc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Derrick Ragland made political donations?
FEC disclosure records show 7 reported political contributions from Derrick Ragland, totaling $1,865. Recipients include Culac The Pac Of Credit Union National Association. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Derrick Ragland?
Our database contains 71 total records for Derrick Ragland spanning 10 states. This includes 21 distinct contact records, 11 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 Derrick Ragland?
The 71 records displayed for Derrick Ragland 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 Derrick Ragland 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.