Duncan Kirk

Age 99 b. 1926-07-21
๐Ÿ“ 435 North Murray Hill Rd, Prairie Twp Oh 43228
๐Ÿ“ž (614) 742-7363, (614) 668-4846
โœ‰๏ธ DKIRK26@ATT.NET, dkirk26@att.net

Duncan Kirk from Muskogee, OK

Age 60
๐Ÿ“ 3621 Club Estates Dr, Muskogee, OK 74403
๐Ÿ“ž (870) 535-8092, (918) 683-3136, (918) 683-4015, (918) 684-6168, (870) 535-8092

Duncan Kirk from Sarasota, FL

Age 73
๐Ÿ“ 6856 Corral Ct, Sarasota, FL 34243
๐Ÿ“ž (941) 351-4031, (941) 795-2299, (413) 786-3512
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Carmela Faxteleph Kirk,Linda A Kirk,Robert Newkirk,Thomas Kirk

Duncan Kirk from Sarasota, FL

Age 84 b. May 1941 Manatee Co.
๐Ÿ“ 6856 Corral Ct
๐Ÿ“ž (941) 351-4031

Duncan Kirk from Brooklyn, NY

Age 52
๐Ÿ“ 338 Van Siclen Ave, Brooklyn, NY 11207
๐Ÿ“ž (718) 485-6129
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Julia E Duncan,A Kirk

Duncan Kirk

๐Ÿ“ 723 Highway 59 N, Heavener Ok
๐Ÿ“ž (918) 658-8183, (918) 658-8101
โœ‰๏ธ DUNCANKIRK484@ICLOUD.COM

Duncan Kirk from The Villages, FL

Age 85 b. 1941 Male
๐Ÿ“ 1956 Black Oak Ln
๐Ÿ“ž (941) 351-4031
โœ‰๏ธ duncankirk@hotmail.com

Duncan Kirk from Columbus, OH

Age 99 b. Jun 1926 Franklin Co.
๐Ÿ“ 435 N Murray Hill Rd
๐Ÿ“ž (614) 783-2431

Duncan Kirk from Chevy Chase, MD

Age 69 b. 1957 Montgomery Co.
๐Ÿ“ 3918 E West Hwy
๐Ÿ“ž (301) 986-0208

Duncan Kirk from Louisville, KY

Age 36 b. 1990 Male
๐Ÿ“ 3214 Dublin Ln
๐Ÿ“ž (502) 893-7988

Duncan Kirk from Richland, WA

Age 87 b. Aug 1938 Benton Co.
๐Ÿ“ 1208 Gowen Ave

Duncan Kirk from Hornbeak, TN

0
๐Ÿ“ Rr 2, Hornbeak, TN 38232

Duncan Kirk from Seminole, TX

0
๐Ÿ“ 1641 Po Box, Seminole, TX 79360

Duncan Kirk from Comanche, TX

Comanche Co.
๐Ÿ“ 708 Nw Highway 36

Duncan Kirk from Seattle, WA

King Co.
๐Ÿ“ 104 N 101st St

Duncan Kirk from Chevy Chase, MD

Montgomery Co.
๐Ÿ“ 3918 Fast W

Duncan Kirk from Seattle, WA

King Co.
๐Ÿ“ 7611 11 Th Ave

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 19 contact records for Duncan Kirk across 9 states. The most recent address on file is in Sarasota, Florida. Of these records, 12 include phone numbers and 5 include email addresses. Ages range from 52 to 73, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Kirk Duncan A & Linda C

Sumter County
PIN: G03D016
· 1956 Black Oak Ln, The Villages 32162
Value: $144,140 ยท Sale: $182,300 (2012)

Kirk Duncan

Kings County
PIN: 3400945
· 338 Van Siclen Avenue, New York City ny
Built: 1901.0

Kirk Duncan A & Linda C

Sumter County
· 1956 Black Oak Ln, Wildwood 32162.0
Built: 2012.0
Assessed: $178,200

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 3 property records linked to Duncan Kirk in Wildwood. Values shown are from county assessor records and may differ from current market prices.

Duncan A Kirk

1956 Black Oak Ln, The Villages, , 32162

Duncan Ronald Burns Kirk

Unaffiliated
3918 East West Hwy, Chevy Chase, MD, 20815
Gender: Male
County: Montgomery

Duncan Don Kirk

Reg: 07/27/2015
1370 Apple Cider Ct, Richland, WA, 99352
DOB: 08/11/1938 Gender: Male
County: BE

Duncan P Kirk

Reg: 01/10/1995
1208 Gowen Ave, Richland, WA, 99352
DOB: 01/10/1955 Gender: Male
County: BE

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 4 voter registration records were found for Duncan Kirk in , Maryland, Washington. Party affiliation is listed as UNA. 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.

2008 FORD EDGE
ยท Registered to: Duncan Kirk
ยท VIN: 2FMDK48C88BB14156
·
1956 Black Oak Ln, The Villages, FL, 32162-7012
2004 Dodge Ram 3500
ยท Registered to: Duncan Kirk
ยท VIN: 3D7MA48CX4G112767
·
6705 Miller County 10, Fouke, AR, 71837
2011 FORD ESCAPE
ยท Registered to: Duncan Kirk
ยท VIN: 1FMCU9EGXBKB60014
·
15 164th St SW, Bothell, WA, 98012-4936
2008 VOLVO V70 WAGON
ยท Registered to: Duncan Kirk
ยท VIN: YV1BW982081042038
·
3918 E West Hwy, Chevy Chase, MD, 20815
·
(301) 986-0208

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 4 vehicle registration records are associated with Duncan Kirk. Registered makes include Ford, Dodge, Volvo. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Qualifa

Group Managing Director
duncan.kirk@qualifa.co.uk

Vintage Speedsters

Duncan Kirk
(562) 402-4334ididthat@ididthat.com
Lakewood, 90715CA

Kirk Duncan

Duncan Kirk
(913) 367-0979 (816) 271-0095kduncan@benedictine.edu
Springfield, 65899MO

Duncan Kirk

Operator
Downer New Zealand
New Zealand Telecommunications

Duncan Kirk

Internal Sales Manager
Yps Valves

Corke Amento Inc

Duncan KirkBoard Member
(206) 682-9722dkirk@corkeamento.com
Seattle, WA

Duncan Kirk

Soccer Referee at Mockingbi

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 20 business affiliations were found for Duncan Kirk. Companies include Vintage Speedsters, Kirk Duncan, Downer New Zealand and 1 more. Roles listed include Group Managing Director and Senior Vice President. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: Snohomish, WA, 98290
WA
Director: Duncan Kirk

Get The Noz, INC

Addr: 15 164th St SW #f1, Bothell, WA, 98012
WA
Governor: Duncan Kirk

Project C-Hawk, Inc.

ID: 0800570743
Addr: Snohomish, WA, 98290
WA
Director: Duncan Kirk

Get The Noz, INC

ID: 603375801
Officer: Duncan Kirk

Unknown Corporation

Addr: PO Box X, Bellingham, WA, 98227
Officer: Duncan Kirk

Source: Public Records Duncan Kirk appears in 5 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Duncan Kirk

Kennewick High School - Kennewick, WA, WA
1957

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Duncan Kirk 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.

$50 May 27, 2008
2008 REP
Novakovich, Skip
Kirk, Duncan D Richland, WA
$75 Feb 11, 2004
2004 REP
Rossi, Dino J
Kirk, Duncan D Richland, WA
$10 Sep 17, 2008
2008
Spanner, Bruce A
Kirk, Duncan Richland, WA
$300 Dec 31, 2013
2014
Independent Insurance Agents & Brokers Of America, INC. Political Action Committee (insurp
Kirk, Duncan Producer @ Unity Group Insurance & Employee Benef Bellingham, WA
$50 Dec 3, 2007
2008 REP
Rossi, Dino
Kirk, Duncan D Richland, WA
$13 Jun 28, 2004
2004 REP
Rossi, Dino J
Kirk, Duncan D Richland, WA
$250 Dec 6, 2011
2012
Independent Insurance Agents & Brokers Of America, INC. Political Action Committee (insurp
Kirk, Duncan Producer @ The Unity Group Everett, WA
$25 Oct 5, 2004
2004 REP
Rossi, Dino J
Kirk, Duncan D Richland, WA
$13 Oct 27, 2004
2004 REP
Rossi, Dino J
Kirk, Duncan D Richland, WA
$50 Sep 26, 2002
2002 REP
Hankins, Shirley W
Kirk, Duncan D Richland, WA
$10 Oct 29, 2004
2004 REP
Rossi, Dino J
Kirk, Duncan D Richland, WA
$63 May 15, 2008
2008 REP
Rossi, Dino
Kirk, Duncan D Richland, WA
$60 Sep 25, 2003
2004 REP
Hankins, Shirley W
Kirk, Duncan D Richland, WA
$250 Jul 23, 2012
2012
Independent Insurance Agents & Brokers Of America, INC. Political Action Committee (insurp
Kirk, Duncan Producer @ The Unity Group Everett, WA
$50 Jul 10, 2008
2008 REP
Novakovich, Skip
Kirk, Duncan D Richland, WA
$75 Oct 16, 2008
2008 REP
Rossi, Dino
Kirk, Duncan D Richland, WA
$50 Dec 8, 2005
2006 R
Hankins, Shirley W
Kirk, Duncan Richland, WA
$50 Jul 24, 2008
2008 REP
Novakovich, Skip
Kirk, Duncan D Shop Mgr @ South Columbia Irrigation District Richland, WA
$50 May 6, 2010
2010
Burrowes, Joseph M
Kirk, Duncan Richland, WA
$300 Dec 31, 2013
Independent Insurance Agents & Brokers Of America, INC. Political Action Committee (insurp
Contributor Producer @ Unity Group Insurance & Employee Benef Bellingham, WA
$300 Dec 31, 2013
Unknown Committee
Kirk, Duncan Producer @ Unity Group Insurance & Employee Benef Bellingham, WA
$50
2006 R
Hankins, Shirley W
Contributor Richland, WA
$25
2007
Schools First Coalition
Duncan Kirk Seattle, WA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 23 political contribution records found for Duncan Kirk. Total disclosed contributions amount to $2,168. Recipients include Independent Insurance Agents & Brokers Of America, INC. Political Action Committee (insurp, Hankins, Shirley W. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Duncan Kirk

Male
·
24646 Olde Orchard St, Novi, MI 48375 (Oakland County)
42.4702, -83.4412
TZ: Eastern
Homeowner Single Family Purchased 2014
MP

Duncan C Kirk

Age 27 Male
·
3214 Dublin Ln, Louisville, KY 40206 (Jefferson County)
38.2470, -85.6722
· (502) 939-5586
Marital: Single TZ: Eastern
Homeowner Single Family Purchased 2002
MP

Duncan Kirk

Male
·
12418 52nd Dr SE, Everett, WA 98208 (Snohomish County)
47.8843, -122.1610
TZ: Pacific
Homeowner Single Family Built 1995 Purchased 2014
MP

Duncan Kirk

Male
·
338 Van Siclen Ave, Brooklyn, NY 11207 (Kings County)
40.6721, -73.8902
TZ: Eastern
Homeowner Single Family Purchased 2013
MP

Duncan Kirk

Male
·
1322 Totten Ave, Richland, WA 99354 (Benton County)
46.2875, -119.2960
TZ: Pacific
Homeowner Single Family Built 1944 Purchased 2005
MP

Duncan Kirk

Male
·
1370 Apple Cider Ct, Richland, WA 99352 (Benton County)
46.2497, -119.3020
TZ: Pacific
Homeowner Single Family Built 2014 Purchased 2015
MP

Duncan A Kirk

Male
·
15 164th St SW, Bothell, WA 98012 (Snohomish County)
47.8494, -122.2330
TZ: Pacific
Homeowner Multi-Family Built 2006
MP

Duncan D Kirk

Age 79 Male
·
1208 Gowen Ave, Richland, WA 99352 (Benton County)
46.2833, -119.2730
· (509) 946-4222
Marital: Married TZ: Pacific
Edu: Graduate School
Homeowner Single Family Built 1948
MP

Duncan A Kirk

Age 91 Male
·
3784 Mill Stream Dr, Hilliard, OH 43026 (Franklin County)
40.0218, -83.1157
· (614) 742-7363
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1991 Purchased 2009
MP

Duncan B Kirk

Age 60 Male
·
3918 E West Hwy, Chevy Chase, MD 20815 (Montgomery County)
38.9880, -77.0778
· (301) 986-0208
Marital: Inferred Married TZ: Eastern
Occ: Technical Edu: Graduate School
Homeowner Single Family Built 1928 Purchased 1997

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 10 demographic profiles associated with Duncan Kirk. 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 Duncan Kirk. These loans were issued to businesses, not individuals.

Patio Pizza LLC

Corporation

$2,425 Paid in Full
Address:
10 Marlee Rd
Lovington, NM88260-9525
Approved

Mar 26, 2021

Forgiven

$2,433

Jobs Reported

2

Loan #

9964768600

Loan Size

Small

Sholomi Farrell

Single Member LLC

$20,833 Paid in Full
Address:
338 Van Siclen Ave
Brooklyn, NY11207-3616
Approved

May 18, 2021

Forgiven

$20,877

Jobs Reported

1

Loan #

3014819009

Loan Size

Small

Sholomi Farrell

Single Member LLC

$20,833 Paid in Full
Address:
338 Van Siclen Ave
Brooklyn, NY11207-3616
Approved

Apr 19, 2021

Forgiven

$20,894

Jobs Reported

1

Loan #

5978488809

Loan Size

Small

Clint Byrd, LLC

Limited Liability Company(LLC

$22,500 Paid in Full
Address:
1641 PO Box
Grapevine, TX76099-1641
Approved

Apr 15, 2020

Forgiven

$22,699

Jobs Reported

2

Loan #

2266907207

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 4 PPP loan records are linked to businesses associated with Duncan Kirk. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Duncan Kirk 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
1
5
2
4
1
3
5
2
1
3
22

Duncan Kirk in Prairie Twp, OH: Background Summary

Location
435 North Murray Hill Rd, Prairie Twp Oh 43228, Prairie Twp, OH
Other Locations
Sarasota, FL ยท The Villages, FL ยท Columbus, OH and 5 more
Profiles Found
19 people with this name
Phone Numbers
(407) 227-9427 and 12 others on file
Email
duncan.kirk@hotmail.com and 4 others on file
Possible Relatives
Leslie D Kirk, Don L Kirk, Duncan D Kirk, Phoebe M Kirk, Ruth Ann Kirk and 70 more
Career
Group Managing Director, Senior Vice President at Vintage Speedsters, Kirk Duncan
Voter Registration
Registered No Party Preference
Properties
2properties owned
Vehicles
4 linked โ€” 2008 Ford Edge, 2004 Dodge Ram 3500 and 2 more
Contributions
$2,167.5 total โ€” Independent Insurance Agents & Brokers Of America, INC. Political Action Committee (insurp, Hankins, Shirley W
PPP Loans
$66,591 for Patio Pizza LLC, Sholomi Farrell

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 Duncan Kirk. Because public records are indexed by name rather than by a unique identifier, the 100 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.

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 Duncan Kirk

Search Complexity: High

100 public records across 11states, belonging to approximately 19 different individuals. With 19 distinct profiles across 11 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 11 states. Highest concentration: Washington (22%), followed by Florida and Ohio. Spans the West and South regions.

WA22recordsFL5recordsOH5recordsMD4recordsNY3recordsTX3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (29%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (23) and Business & Corporate Filings (20).

26
Contact & Address Records
23
Political Contribution Records
20
Business & Corporate Filings
5
Corporate Records
4
Voter Registration Records
4
Vehicle Registration Records

Age Distribution

Age range: approximately 48 years, suggesting multiple generations. Largest group: Senior (65+) (71%).

Senior (65+)5peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Duncan Kirk

Is Duncan Kirk a registered voter?
Yes, voter registration records show Duncan Kirk is registered in . We found 4 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Duncan Kirk own property?
County assessor records show 3 properties associated with Duncan Kirk . 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 Duncan Kirk?
Records show 4 vehicle registrations associated with Duncan Kirk, including a 2008 FORD EDGE. Registered makes include Ford, Dodge, Volvo. 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 Duncan Kirk?
We found 20 business affiliations for Duncan Kirk (Group Managing Director). Other companies include Kirk Duncan, downer new zealand. Business records are compiled from state registries, SEC filings, and professional databases.
Has Duncan Kirk made political donations?
FEC disclosure records show 23 reported political contributions from Duncan Kirk, totaling $2,168. Recipients include Independent Insurance Agents & Brokers Of America, INC. Political Action Committee (insurp and Hankins, Shirley W. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Duncan Kirk?
Our database contains 100 total records for Duncan Kirk spanning 11 states. This includes 19 distinct contact records, 12 with phone numbers, 5 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Duncan Kirk?
The 100 records displayed for Duncan Kirk 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 Duncan Kirk 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.