Ed Ruiz

Age 52 b. 1973-11-13
๐Ÿ“ 11519 Sw 150th Pl, Mia Fl 33196
๐Ÿ“ž (786) 631-7214, (786) 631-7214
โœ‰๏ธ ERUIZ001@FIU.EDU, eruiz001@fiu.edu

Ed Ruiz from Crescent City, CA

Age 76 b. 1950 Male
๐Ÿ“ 1500 Low Divide Rd
๐Ÿ“ž (707) 218-5884 (Cell)
โœ‰๏ธ jrgeiko@gmail.com

Ed Ruiz from Mcallen, TX

0
๐Ÿ“ 2025 Heron Ave, Mcallen, TX 78504
๐Ÿ“ž (210) 618-5630
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Eduardo D Ruiz,Rebecca L Ruiz

Ed Ruiz

๐Ÿ“ 1500 Low Divide Rd, Crescent City Ca
๐Ÿ“ž (707) 218-5889, (707) 218-5891
โœ‰๏ธ JRGEIKO@GMAIL.COM

Ed Ruiz from Miramar, FL

Age 65 b. 1961 Broward Co.
๐Ÿ“ 2021 Renaissance Blvd
๐Ÿ“ž (954) 435-3050

Ed Ruiz from Glendale, AZ

Age 43 b. Apr 1982 Maricopa Co.
๐Ÿ“ 3738 W Grovers Ave
๐Ÿ“ž (602) 938-2385

Ed Ruiz

๐Ÿ“ 1317 Hunting Ridge Rd, Winchester Va
๐Ÿ“ž (202) 557-5703
โœ‰๏ธ EDRRUIZ@YAHOO.COM

Ed Ruiz

๐Ÿ“ 3700 Columbia Ave Nw, Wilson Nc
๐Ÿ“ž (252) 314-8185, (252) 314-8185
โœ‰๏ธ EDRUIZAA@MYGLNC.COM

Ed Ruiz from Coral Springs, FL

0
๐Ÿ“ 11436 45th St, Coral Springs, FL 33065
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Eddie Ruiz

Ed Ruiz from Phoenix, AZ

Male
๐Ÿ“ 15601 N 19th Ave # 67
๐Ÿ“ž (602) 930-9628 (SPRINT)

Ed Ruiz from Newark, DE

Age 45 b. Jul 1980 New Castle Co.
๐Ÿ“ 211 Ray St Unit B

Ed Ruiz from Stockton, CA

San Joaquin Co.
๐Ÿ“ 3200 West Ln
๐Ÿ“ž (972) 579-9599
๐Ÿ‘ค aka Heriberto Ed Ruiz Jr

Ed Ruiz from Bakersfield, CA

Kern Co.
๐Ÿ“ 1407 E Truxtun Ave
๐Ÿ“ž (661) 832-7277

Ed Ruiz from Milwaukee, WI

๐Ÿ“ 1469 S 79th St
๐Ÿ“ž (414) 885-0130

Ed Ruiz from Honolulu, HI

Honolulu Co.
๐Ÿ“ 42 Hanapepe Loop

Ed Ruiz from Santa Fe Springs, CA

Los Angeles Co.
๐Ÿ“ 11642 Garetal St

Ed Ruiz from San Antonio, TX

Bexar Co.
๐Ÿ“ 835 Morningview Dr

Ed Ruiz from Stockton, CA

San Joaquin Co.
๐Ÿ“ 6809 Montauban Ave

Ed Ruiz from Bakersfield, CA

Kern Co.
๐Ÿ“ 7800 District Blvd

Ed Ruiz from Atlantic City, NJ

Atlantic Co.
๐Ÿ“ 3501 Ventnor Ave Unit 2

Ed Ruiz from Orange, CA

Orange Co.
๐Ÿ“ 832 N Fern St

Ed Ruiz from Bakersfield, CA

Kern Co.
๐Ÿ“ 3708 University Ave

Unknown Person

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 24 contact records for ED Ruiz across 8 states. The most recent address on file is in Crescent City, California. Of these records, 13 include phone numbers and 6 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Ruiz Ed

Harris County
PIN: 1110270000006
· 4111 Vista Rd # 1
Lot: 1,406sqft

Ruiz Ed

Harris County
· 4111 Vista Rd # 1, Pasadena

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 2 property records linked to ED Ruiz in Pasadena. Values shown are from county assessor records and may differ from current market prices.

Ed Ruiz

Independent
161 West 16 Street, 10011
DOB: 19650808 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 1 voter registration record was found for ED Ruiz. Party affiliation is listed as IND. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2007 Saturn Aura
ยท Registered to: Ed Ruiz
ยท VIN: 1G8ZS57N17F237811
·
612 N 3rd St Apt 10, San Jose, CA, 95112-5122
·
(408) 592-7070
2005 Acura MDX
ยท Registered to: Ed Ruiz
ยท VIN: 2HNYD18895H519181
·
12450 Parklawn Dr, Rockville, MD, 20852
·
(301) 984-0566
2010 Mercedes-Benz GLK-Class
ยท Registered to: Ed Ruiz
ยท VIN: WDCGG8HB0AF387754
·
423 Crimson Ln, Plymouth, IN, 46563-7809
·
(574) 936-6299
2012 GMC Acadia
ยท Registered to: Ed Ruiz
ยท VIN: 1GKKVTED1CJ195830
·
423 Crimson Ln, Plymouth, IN, 46563-7809
·
(574) 936-6299

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 4 vehicle registration records are associated with ED Ruiz. Registered makes include Saturn, Acura, Mercedes-Benz, Gmc. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Kkr

Sr. Solutions Consultant
+16502336560ruize@kkr.com

America Express Couriers

Owner
(661) 588-5070
Bakersfield, CA
Motor Freight Transportation (Transportation)

Inet Computer Svc Inc

Owner
(305) 567-0333
Coral Gables, FL
Business Services (Services)

North Cast Ex Acdemy Basketbal

President
(510) 532-7301
Alameda, CA
Amusement and Recreation Services (Services)

Ruiz OK Garage

Owner
(830) 769-3823
Jourdanton, TX
Automotive Services, Parking and Repair (Automotive)

Inet Computer Professionals

Owner
(305) 221-1410
Miami, FL
Business Services (Services)

Trent River Coffee Co

Partner
(252) 514-2030
New Bern, NC
Food Stores (Food)

Hair Expressions

Owner
(301) 984-8182
Rockville, MD
Personal Services (Services)

Kohlberg Kravis Roberts

Ed RuizPrincipal, Information Technology at Kohlberg Kravis Roberts
Menlo Park,

Miami Coalition

Ed Ruiz
(305) 567-0333evr@evrent.com
coral Gables, FL33146

Automotive Parts & Machine

Ed Ruiz
(305) 567-0333evr@evrent.com
Miami, FL33186

Association Of Schools & Programs

Ed RuizSr Dir., Info Technology
Washington, DC

Ed Ruiz

Elite/Jms Investigations
New York, New York, United States Security And Investigations

Ed Ruiz

Elite/Jms Investigations
New York

Hummel Treasure Haus

Ed RuizReceptionist
(972) 392-9830eruiz@hummelhaus.com
13237 Montfort Dr. Pmb #729, Dallas, TX75240

Trent River Coffee Co

Ed RuizOwner
(252) 514-2030
New Bern, NC

Ed Ruiz

San Francisco Bay Area

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 73 business affiliations were found for ED Ruiz. Companies include America Express Couriers, Inet Computer Svc Inc, North Cast Ex Acdemy Basketbal and 8 more. Roles listed include Sr. Solutions Consultant and Vice President Information Technology. Records are compiled from state business registries, SEC filings, and professional networking databases.

Ruiz Bow Construction, INC.

Filed: Jul 6, 2009
CEO: Ed Ruiz

Unknown Corporation

DIRECTOR: Ed Ruiz

Unknown Corporation

DIRECTOR: Ed Ruiz

Ed Ruiz,

Addr: 1122 West Oakville Road, Springfield, MO, 65810
MO

Ruiz Bow Construction, INC.

Addr: 262 Valley Darly Rd, Buellton, CA, 93427
CA
CEO: Ed Ruiz

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

Ed R Ruiz

Apr 4, 2014, 01:00 PM
ยท Meeting with: White House Staff
ยท WH

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA ED Ruiz 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.

$10 Mar 15, 2020
2020 DEM
Sanders, Bernard
Ruiz, Ed IT @ Auditor San Diego, CA
$15 Oct 27, 2008
2008
Actblue
Ruiz, Ed Instructor @ Uc Berkeley Berkeley, CA
$10 Oct 27, 2008
2008
Actblue
Ruiz, Ed Instructor @ Uc Berkeley Berkeley, CA
$2 Jan 17, 2008
2008
Actblue
Ruiz, Ed Student @ Uc Berkeley Albany, CA
$5 Mar 8, 2020
2020 DEM
Sanders, Bernard
Ruiz, Ed IT @ Auditor San Diego, CA
$50 Feb 16, 2010
2010 REP
Ellert, Francis K
Ruiz, Ed Plymouth, IN
$15 Sep 30, 2009
2010
Actblue
Ruiz, Ed Instructor @ Uc Berkeley San Francisco, CA
$25 Apr 20, 2016
2016 DEM
Sanders, Bernard
Ruiz, Ed Not Employed Bronx, NY
$2 Apr 20, 2016
2016 DEM
Actblue
Ruiz, Ed Not Employed Bronx, NY
$5 Oct 27, 2008
2008
Actblue
Ruiz, Ed Instructor @ Uc Berkeley Berkeley, CA
$2 Sep 30, 2009
2010
Actblue
Ruiz, Ed Instructor @ Uc Berkeley San Francisco, CA
$15 Jan 17, 2008
2008
Actblue
Ruiz, Ed Student @ Uc Berkeley Albany, CA
$105 Sep 19, 2015
2016 REP
California Republican Party Federal Acct
Ruiz, Ed Sr System Administrator @ Ramsell Bay Point, CA
$105 Sep 19, 2015
REP
California Republican Party Federal Acct
Contributor Sr System Administrator @ Ramsell Bay Point, CA
$105 Sep 19, 2015
Unknown Committee
Ruiz, Ed Sr System Administrator @ Ramsell Bay Point, CA
$35 20190516
Texas Association of REALTORS Political Action Committee
Contributor Realtor Austin, TX

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 16 political contribution records found for ED Ruiz. Total disclosed contributions amount to $505. Recipients include California Republican Party Federal Acct, Texas Association of REALTORS Political Action Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Ed D Ruiz

Age 57 Male
·
832 N Fern St, Orange, CA 92867 (Orange County)
33.8013, -117.8260
· (714) 906-1651
Marital: Married TZ: Pacific
Homeowner Single Family Built 1965 Purchased 1994
MP

Ed Ruiz

Age 36 Male
·
848 San Luis Rey Ave, Coronado, CA 92118 (San Diego County)
32.6856, -117.1710
TZ: Pacific
Single Family
MP

Ed Ruiz

Age 59 Male
·
4111 Vista Rd, Pasadena, TX 77504 (Harris County)
29.6587, -95.1801
TZ: Central
Homeowner Single Family Built 1978 Purchased 2012
MP

Ed Ruiz

Age 44 Male
·
6086 60th Ave, Maspeth, NY 11378 (Queens County)
40.7168, -73.9032
TZ: Eastern
Single Family
MP

Ed A Ruiz

Age 67 Male
·
1500 Low Divide Rd, Crescent City, CA 95531 (Del Norte County)
41.8289, -124.1030
· (707) 218-5884
Marital: Single TZ: Pacific
Edu: High School
Homeowner Single Family
MP

Ed Ruiz

Age 41 Male
·
445 W 5th St, Plainfield, NJ 07060 (Union County)
40.6122, -74.4241
TZ: Eastern
Homeowner Single Family
MP

Ed A Ruiz

Age 52 Male
·
161 W 16th St, New York, NY 10011 (New York County)
40.7395, -73.9977
Marital: Single TZ: Eastern
Occ: Service Industry Edu: High School
Homeowner Multi-Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with ED Ruiz. 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 ED Ruiz. These loans were issued to businesses, not individuals.

Isaias Clemente

Sole Proprietorship

$10,900 Paid in Full
Address:
15601 N 19th Ave Lot 51
Phoenix, AZ85023-4321
Approved

May 14, 2021

Forgiven

$10,944

Jobs Reported

1

Loan #

1989839005

Loan Size

Small

Martin Miranda Ferrer

Self-Employed Individuals

$4,367 Exemption 4
Address:
81720 Avenue 46 Apt 6-105
Indio, CA92201-7205
Approved

Mar 5, 2021

Jobs Reported

1

Loan #

7352958500

Loan Size

Small

Gabriel Villa

Independent Contractors

$3,393 Exemption 4
Address:
15601 N 19th Ave Lot 99
Phoenix, AZ85023-4326
Approved

Mar 24, 2021

Jobs Reported

1

Loan #

8120728605

Loan Size

Small

Turf Mobile Manor Investors LLC

Limited Liability Company(LLC

$12,000 Paid in Full
Address:
15601 N 19th Ave
Phoenix, AZ85023-4314
Approved

Apr 15, 2020

Forgiven

$12,110

Jobs Reported

4

Loan #

1835027210

Loan Size

Small

Martin Miranda Ferrer

Self-Employed Individuals

$11,950 Exemption 4
Address:
81720 Avenue 46 Apt 6-105
Indio, CA92201-7205
Approved

May 15, 2021

Jobs Reported

1

Loan #

2305959000

Loan Size

Small

Gabriel Villa

Independent Contractors

$3,393 Exemption 4
Address:
15601 N 19th Ave Lot 99
Phoenix, AZ85023-4326
Approved

Apr 15, 2021

Jobs Reported

1

Loan #

4171598801

Loan Size

Small

Sigifredo Garcia

Independent Contractors

$7,427 Paid in Full
Address:
15601 N 19th Ave Lot 72
Phoenix, AZ85023-4323
Approved

May 12, 2021

Forgiven

$7,506

Jobs Reported

1

Loan #

9890788907

Loan Size

Small

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

Find ED Ruiz 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
2
18
1
1
8
1
1
2
1
2
2
2
6
1

ED Ruiz in Mia, FL: Background Summary

Location
11519 SW 150th Pl, Mia Fl 33196, Mia, FL
Other Locations
Crescent City, CA ยท Miramar, FL ยท Glendale, AZ and 10 more
Profiles Found
24 people with this name
Phone Numbers
(714) 337-6112 and 16 others on file
Email
cruzolay@comcast.net and 9 others on file
Possible Relatives
Albert Ruiz, Eunice M Escobedo, Evangelina Escobedo, G W Edwards, George William Edwards and 33 more
Career
Sr. Solutions Consultant, Vice President Information Technology at America Express Couriers, Inet Computer Svc Inc
Voter Registration
Registered Independent
Properties
2properties owned
Vehicles
4 linked โ€” 2007 Saturn Aura, 2005 Acura Mdx and 2 more
Contributions
$505 total โ€” California Republican Party Federal Acct, Texas Association of REALTORS Political Action Committee
PPP Loans
$53,430 for Isaias Clemente, Martin Miranda Ferrer
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 ED Ruiz. Because public records are indexed by name rather than by a unique identifier, the 142 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 ED Ruiz

Search Complexity: High

142 public records across 14states, belonging to approximately 24 different individuals. With 24 distinct profiles across 14 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 14 states. Highest concentration: California (13%), followed by Florida and Texas. Spans the West and South regions.

CA18recordsFL8recordsTX6recordsNC2recordsMD2recordsAZ2records

Record Type Breakdown

Data spans 8 record categories. Largest: Business & Corporate Filings (54%), which reveal professional roles and employer history. Also includes Contact & Address Records (26) and Political Contribution Records (16).

73
Business & Corporate Filings
26
Contact & Address Records
16
Political Contribution Records
7
PPP Loan Records
5
Corporate Records
4
Vehicle Registration Records

Age Distribution

Age range: approximately 21 years, suggesting multiple generations. Largest group: Senior (65+) (25%).

Senior (65+)1personMiddle-Age (40-64)3people

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

Frequently Asked Questions About ED Ruiz

Is ED Ruiz a registered voter?
Yes, voter registration records show ED Ruiz is registered with IND affiliation. We found 1 voter registration entry across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does ED Ruiz own property?
County assessor records show 2 properties associated with ED Ruiz . 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 ED Ruiz?
Records show 4 vehicle registrations associated with ED Ruiz, including a 2007 Saturn Aura. Registered makes include Saturn, Acura, Mercedes-Benz, Gmc. 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 ED Ruiz?
We found 73 business affiliations for ED Ruiz (Sr. Solutions Consultant). Other companies include Inet Computer Svc Inc, North Cast Ex Acdemy Basketbal. Business records are compiled from state registries, SEC filings, and professional databases.
Has ED Ruiz made political donations?
FEC disclosure records show 16 reported political contributions from ED Ruiz, totaling $505. Recipients include California Republican Party Federal Acct and Texas Association of REALTORS Political Action Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for ED Ruiz?
Our database contains 142 total records for ED Ruiz spanning 14 states. This includes 24 distinct contact records, 13 with phone numbers, 6 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 ED Ruiz?
The 142 records displayed for ED Ruiz 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 ED Ruiz 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.