Fred Majors from Dayton, TX

Age 61
๐Ÿ“ 10855 Highway 321, Dayton, TX 77535
๐Ÿ“ž (936) 258-8917, (281) 687-1396
โœ‰๏ธ fmccolo@comcast.net, fmccolo@erols.com, fmccolo@lcc.net, fmccolo@yahoo.com, fredma@amico-us.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Lisa Vandeventer Majors,Lisa D Majors,Lisa P Majors
๐Ÿช Ohio Gratings-Texas Ltd, Ohio Gratings-Texas, Ltd

Fred Majors

Age 73 b. 1952-09-16
๐Ÿ“ 10855 S Hwy 146, Liberty County Tx 77535
๐Ÿ“ž (281) 659-3619, (936) 258-8917
โœ‰๏ธ FREDMAJORS@GMAIL.COM, fredmajors@gmail.com

Fred Majors

Age 53 b. 1972-09-15
๐Ÿ“ 2800 Highway 81 S, Covington Ga
๐Ÿ“ž (770) 784-5419, (678) 764-0484
โœ‰๏ธ FREEZALEO@ATT.NET

Fred Majors

๐Ÿ“ 9322 Knotty Pine, Char Nc 28227
๐Ÿ“ž (111) 111-0001
โœ‰๏ธ FMAJORS01@GMAIL.COM

Fred Majors

๐Ÿ“ 7917 Quail Field Dr, Charlotte Nc
๐Ÿ“ž (111) 111-0001
โœ‰๏ธ FMAJORS01@GMAIL.COM

Fred Majors

๐Ÿ“ 9322 Knotty Pine Cir, Charlotte Nc
๐Ÿ“ž (111) 111-0001
โœ‰๏ธ FMAJORS01@GMAIL.COM

Fred Majors from Paradise, CA

Age 76 b. 1950 Male
๐Ÿ“ 5254 California Way
๐Ÿ“ž (530) 877-6786 (Cell)
โœ‰๏ธ floydmajors@hotmail.com

Fred Majors from Ridge Farm, IL

Age 87
๐Ÿ“ 401 Woodyard Ave, Ridge Farm, IL 61870
๐Ÿ“ž (217) 247-9991, (217) 247-9991, (217) 493-1630, (409) 897-2124, (217) 247-2589, (310) 671-0893

Fred Majors from Ridge Farm, IL

Age 101 b. 1925 Vermilion Co.
๐Ÿ“ 401 E Woodyard Ave
๐Ÿ“ž (217) 247-9991

Fred Majors from Montgomery, AL

0
๐Ÿ“ 1315 Woodmere Dr, Montgomery, AL 36117
๐Ÿ“ž (334) 265-1759
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Debra Lynn Manning

Fred Majors from Dayton, OH

Age 100 b. Dec 1925 Montgomery Co.
๐Ÿ“ 6695 Hoover Ave
๐Ÿ“ž (513) 854-4894

Fred Majors from Albia, IA

Age 89 b. Feb 1937 Monroe Co.
๐Ÿ“ 517 S 9th St
๐Ÿ“ž (631) 549-6614

Fred Majors from Klamath Falls, OR

Age 54 b. Jul 1971 Klamath Co.
๐Ÿ“ 6602 Appaloosa Ct
๐Ÿ“ž (541) 884-8215

Fred Majors from Foster, OR

Age 78 b. Jan 1948 Linn Co.
๐Ÿ“ 1202 Sw Crescent Dr
๐Ÿ“ž (785) 354-8647

Fred Majors from New Rochelle, NY

Age 88 b. Jul 1937 Westchester Co.
๐Ÿ“ 33 Lincoln Ave Apt 8 C
๐Ÿ“ž (425) 334-8316

Fred Majors from Dayton, TX

Age 73 b. Sep 1952 Liberty Co.
๐Ÿ“ 10855 Highway 321
๐Ÿ“ž (936) 258-8917

Fred Majors from Durham, NC

Age 88 b. Jul 1937 Durham Co.
๐Ÿ“ 3017 Sprucewood Dr
๐Ÿ“ž (919) 956-8521

Fred Majors from Manchester, OH

Age 90 b. Jan 1936 Adams Co.
๐Ÿ“ 411 W 4th St
๐Ÿ“ž (937) 549-4902
๐Ÿ‘ค aka Fred H Armes, Fred Armes

Fred Majors from Cleveland, TN

Age 51 b. Dec 1974 Bradley Co.
๐Ÿ“ 1263 Brown Ave Nw
๐Ÿ“ž (423) 478-5910

Fred Majors

๐Ÿ“ 401 E Woodyard Ave, Ridge Farm Il
๐Ÿ“ž (217) 247-9991, (217) 247-9991
โœ‰๏ธ F.MAJORS@COMCAST.NET

Fred Majors from Orangevale, CA

Male
๐Ÿ“ 234 South Way
๐Ÿ“ž (916) 208-3245 (VERIZON WIRELESS)

Fred Majors from Raleigh, NC

Age 87 b. May 1938 Wake Co.
๐Ÿ“ 8008 Finland Dr

Fred Majors from Littleton, NC

Age 84 b. 1942 Halifax Co.
๐Ÿ“ Po Box 673

Fred Majors from Soquel, CA

Age 87 b. May 1938 Santa Cruz Co.
๐Ÿ“ 5042 Wilder Dr Unit A

Fred Majors from Skippers, VA

Age 85 b. Jan 1941 Greensville Co.
๐Ÿ“ 934 Massie Branch Rd

Fred Majors from Klamath Falls, OR

Age 54 b. Jul 1971 Klamath Co.
๐Ÿ“ 632 N 2nd St

Fred Majors from Charlotte, NC

Mecklenburg Co.
๐Ÿ“ 9322 Knotty Pine Cir
๐Ÿ“ž (704) 531-1558

Fred Majors from Zavalla, TX

Angelina Co.
๐Ÿ“ 1 Po Box 100

Fred Majors from New Rochelle, NY

Westchester Co.
๐Ÿ“ 33 Lincoln Avenueav 8 C

Fred Majors from Grand Rapids, MI

Kent Co.
๐Ÿ“ 761 Forest Hill Ave

Unknown Person

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 31 contact records for Fred Majors across 12 states. The most recent address on file is in Paradise, California. Of these records, 22 include phone numbers and 8 include email addresses. Ages range from 61 to 87, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Majors, Fred

Vermilion County
PIN: 33-31-128-004
· 308 E Woodyard
Lot: 13,341sqft

Majors Fred F

Georgetown County
· St Christopher Cr, Waccamaw-Neck

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

fred OBEDIAH majors

Democrat Reg: 04/13/2005
9322 Knotty Pine Cir, Charlotte, NC, 28227
DOB: 1961 Gender: Male
County: Mecklenburg

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

2012 CHEVROLET IMPALA
ยท Registered to: Fred Majors
ยท VIN: 2G1WG5E36C1214451
·
401 E Woodyard Ave, Ridge Farm, IL, 61870-9772
·
(217) 247-9991
2008 NISSAN ALTIMA
ยท Registered to: Fred Majors
ยท VIN: 1N4AL21E98N454608
·
10855 Highway 321, Dayton, TX, 77535-3877
2008 Buick Lacrosse
ยท Registered to: Fred Majors
ยท VIN: 2G4WD582981134695
·
401 E Woodyard Ave, Ridge Farm, IL, 61870
·
(217) 493-1630
2008 HONDA ACCORD
ยท Registered to: Fred Majors
ยท VIN: JHMCP26338C061941
·
10855 Highway 321, Dayton, TX, 77535-3877
2010 ACURA TL
ยท Registered to: Fred Majors
ยท VIN: 19UUA8F58AA025452
·
9322 Knotty Pine Cir, Charlotte, NC, 28227-3306
·
(704) 244-7085
2010 Ford F-150
ยท Registered to: Fred Majors
ยท VIN: 1FTFW1CV0AFA36646
·
10855 Highway 321, Dayton, TX, 77535-3877
ยท Registered to: Fred Majors
·
10855 Highway 321, Dayton, TX, 77535
·
(936) 257-8414

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 7 vehicle registration records are associated with Fred Majors. Registered makes include Chevrolet, Nissan, Buick, Honda and others. 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.

Petco

Senior Vice President Information Systems
+18587843414jore@petco.com
San Diego,

New Homes Realty & Development

Owner
(843) 215-5500
Murrells Inlet, SC
Real Estate (Housing)

Valley Sales

Owner
(936) 258-6802
Dayton, TX
Gasoline Service Stations and Automotive Dealers (Automotive)

New Homes Realty Inc

President
(843) 215-5500
Murrells Inlet, SC
Real Estate (Housing)

Advanced Visual Systems Inc

Fred MajorsCeo
(936) 258-8917fmajors@msn.com
10855 Highway 321, Dayton, TX77535
avs.com

Petco

Fred MajorsTelecommunications E
(858) 453-7845fredm@petco.com
San Diego, CA

Fred Majors

United States

Advanced Visual Systems Inc

Fred MajorsCeo
(936) 258-8917fmajors@msn.com
10855 Highway 321, Dayton, TX77535

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 10 business affiliations were found for Fred Majors. Companies include New Homes Realty & Development, Valley Sales, New Homes Realty Inc and 2 more. Roles listed include Senior Vice President Information Systems and Ceo. Records are compiled from state business registries, SEC filings, and professional networking databases.

Newel Drilling Services & Equipment Company

Addr: 105 Fort Worth Street PO Box 1013, Liberty, TX, 77575
TX
Agent: Fred Majors

Unknown Corporation

Addr: 105 Fort Worth Street PO Box 1013, Liberty, TX, 77575
TX
Officer: Fred Majors

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

-$250 Jan 1, 1
2004 REP
Cooper, Terry B
Majors, Fred Murrells Inlet, SC
$125 Oct 4, 2011
2012 REP
Cleary, Raymond
Majors, Fred F Supporter Georgetown, SC
$500 Mar 6, 2009
2010
Scoville, Jack M Jr
Majors, Fred Real Estate Developer Georgetown, SC
$1,000 Apr 12, 2004
2004 REP
Hardwick, Nelson
Majors, Fred C Murrells Inlet, SC
-$250 Jan 1, 1
REP
Cooper, Terry B
Contributor Murrells Inlet, SC
-$250
2004 R
Cooper, Terry B
Contributor Murrells Inlet, SC

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 6 political contribution records found for Fred Majors. Total disclosed contributions amount to $1,625. Recipients include Cooper, Terry B. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Fred Majors

Age 42 Male
·
1263 Brown Ave NW, Cleveland, TN 37311 (Bradley County)
35.1687, -84.8786
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1946
MP

Fred S Majors

Age 66 Male
·
5254 California Way, Paradise, CA 95969 (Butte County)
39.7391, -121.5950
· (530) 877-6786
Marital: Married TZ: Pacific
Edu: Some College
Homeowner Single Family Built 1979 Purchased 2012
MP

Fred G Majors

Age 63 Male
·
300 Water Tower Ln, Greenville, KY 42345 (Muhlenberg County)
37.2470, -87.1898
· (270) 338-7911
Marital: Single TZ: Central
Edu: High School
Homeowner Single Family Built 2003 Purchased 2000
MP

Fred A Majors

Age 90 Male
·
401 E Woodyard Ave, Ridge Farm, IL 61870 (Vermilion County)
39.8959, -87.6439
· (217) 493-1630
Marital: Inferred Married TZ: Central
Occ: Professional
Homeowner Single Family Purchased 2013
MP

Fred Majors

Male
·
326 Marshall St, Roanoke Rapid, NC 27870 (Halifax County)
36.4648, -77.6448
· (252) 308-9519
TZ: Eastern
Single Family
MP

Fred Majors

Age 46 Male
·
6602 Appaloosa Ct, Klamath Falls, OR 97603 (Klamath County)
42.1666, -121.6820
· (541) 884-8215
Marital: Married TZ: Pacific
Edu: High School
Homeowner Single Family Purchased 1993
MP

Fred Majors

Age 76 Male
·
151 Odell Littleton Rd, Littleton, NC 27850 (Halifax County)
36.4964, -77.9055
Marital: Single TZ: Eastern
Edu: Some College
Homeowner Single Family

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

Dierra Primm

Self-Employed Individuals

$20,833 Paid in Full
Address:
4141 Rosemeade Pkwy
Dallas, TX75287-2622
Approved

May 22, 2021

Forgiven

$20,871

Jobs Reported

1

Loan #

5370889003

Loan Size

Small

Lamar Holloway

Self-Employed Individuals

$20,833 Paid in Full
Address:
4141 Rosemeade Pkwy
Dallas, TX75287-2622
Approved

Apr 19, 2021

Forgiven

$20,910

Jobs Reported

1

Loan #

6527248802

Loan Size

Small

Joseph Melton

Sole Proprietorship

$19,020 Paid in Full
Address:
4141 Rosemeade Pkwy
Dallas, TX75287-2622
Approved

Apr 11, 2021

Forgiven

$19,090

Jobs Reported

1

Loan #

1976678805

Loan Size

Small

Joseph Melton

Sole Proprietorship

$19,020 Paid in Full
Address:
4141 Rosemeade Pkwy
Dallas, TX75287-2622
Approved

Apr 30, 2021

Forgiven

$19,087

Jobs Reported

1

Loan #

5848828904

Loan Size

Small

Dierra Primm

Self-Employed Individuals

$20,833 Paid in Full
Address:
4141 Rosemeade Pkwy
Dallas, TX75287-2622
Approved

Apr 17, 2021

Forgiven

$20,907

Jobs Reported

1

Loan #

5375368809

Loan Size

Small

Nigel Rivers

Sole Proprietorship

$12,458 Paid in Full
Address:
4141 Rosemeade Pkwy
Dallas, TX75287-2622
Approved

Apr 1, 2021

Forgiven

$12,502

Jobs Reported

1

Loan #

4828278707

Loan Size

Small

Nigel Rivers

Sole Proprietorship

$12,457 Paid in Full
Address:
4141 Rosemeade Pkwy
Dallas, TX75287-2622
Approved

Feb 22, 2021

Forgiven

$12,519

Jobs Reported

1

Loan #

2669938500

Loan Size

Small

Tope Bakare

Independent Contractors

$7,155 Paid in Full
Address:
4141 Rosemeade Pkwy
Dallas, TX75287-2622
Approved

Apr 28, 2021

Forgiven

$7,170

Jobs Reported

1

Loan #

3839638905

Loan Size

Small

Lamar Holloway

Self-Employed Individuals

$20,833 Paid in Full
Address:
4141 Rosemeade Pkwy
Dallas, TX75287-2622
Approved

Apr 1, 2021

Forgiven

$20,904

Jobs Reported

1

Loan #

4425858710

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 9 PPP loan records are linked to businesses associated with Fred Majors. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Fred Majors on the map

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Fred Majors in Liberty County, TX: Background Summary

Location
10855 S Hwy 146, Liberty County Tx 77535, Liberty County, TX
Other Locations
Paradise, CA ยท Ridge Farm, IL ยท Dayton, OH and 16 more
Profiles Found
31 people with this name
Phone Numbers
(936) 258-8917 and 16 others on file
Email
fmccolo@comcast.net and 9 others on file
Possible Relatives
Lisa Vandeventer Majors, Lisa D Majors, Lisa P Majors, Dorothy C Majors, Betty Ritenour Majors and 7 more
Career
Senior Vice President Information Systems, Ceo at New Homes Realty & Development, Valley Sales
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
7 linked โ€” 2012 Chevrolet Impala, 2008 Nissan Altima and 5 more
Contributions
$1,625 total
PPP Loans
$153K for Dierra Primm, Lamar Holloway

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 Fred Majors. Because public records are indexed by name rather than by a unique identifier, the 85 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 Fred Majors

Search Complexity: High

85 public records across 14states, belonging to approximately 31 different individuals. With 31 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: Texas (18%), followed by North Carolina and California. Spans the South and West regions.

TX15recordsNC9recordsCA7recordsIL6recordsSC5recordsOR4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (53%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (10) and PPP Loan Records (9).

41
Contact & Address Records
10
Business & Corporate Filings
9
PPP Loan Records
7
Vehicle Registration Records
6
Political Contribution Records
2
Property Ownership Records

Age Distribution

Age range: approximately 49 years, suggesting multiple generations. Largest group: Senior (65+) (69%).

Senior (65+)9peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Fred Majors

Is Fred Majors a registered voter?
Yes, voter registration records show Fred Majors is registered in North Carolina with DEM affiliation. We found 1 voter registration entry across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Fred Majors own property?
County assessor records show 2 properties associated with Fred Majors . 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 Fred Majors?
Records show 7 vehicle registrations associated with Fred Majors, including a 2012 CHEVROLET IMPALA. Registered makes include Chevrolet, Nissan, Buick, Honda. 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 Fred Majors?
We found 10 business affiliations for Fred Majors (Senior Vice President Information Systems). Other companies include Valley Sales, New Homes Realty Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Fred Majors made political donations?
FEC disclosure records show 6 reported political contributions from Fred Majors, totaling $1,625. Recipients include Cooper, Terry B. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Fred Majors?
Our database contains 85 total records for Fred Majors spanning 14 states. This includes 31 distinct contact records, 22 with phone numbers, 8 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 Fred Majors?
The 85 records displayed for Fred Majors 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 Fred Majors 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.