Gary Miguel

Age 80 b. 1945-05-09
๐Ÿ“ 21235 Gilbert Dr, Redding Ca
๐Ÿ“ž (530) 722-0237, (530) 227-0237, (530) 227-0327
โœ‰๏ธ SORANCHDLGM@AOL.COM, soranchdlgm@aol.com, soranchdlgm@sbcglobal.net

Gary Miguel

Age 80 b. 1945-05-09
๐Ÿ“ 21235 Gilbert Dr, Rdg Ca 96002
๐Ÿ“ž (530) 722-0237, (530) 227-0237
โœ‰๏ธ SORANCHDLGM@AOL.COM

Gary Miguel from Lawai, HI

Age 74 b. Jan 1952 Kauai Co.
๐Ÿ“ Po Box 718
๐Ÿ“ž (808) 245-3799

Gary Miguel

๐Ÿ“ 21235 Gilbert, Rdg Ca 96002
๐Ÿ“ž (530) 722-0237, (530) 227-0327
โœ‰๏ธ SORANCHDLGM@SBCGLOBAL.NET

Gary Miguel from Sacramento, CA

Male
๐Ÿ“ 1500 A St Apt 114
๐Ÿ“ž (916) 271-9628 (METROPCS)
โœ‰๏ธ BIGDADDYGDADDYG@YAHOO.COM

Gary Miguel from Marcellus, NY

Age 62
๐Ÿ“ 2220 Stump Rd, Marcellus, NY 13108
๐Ÿ“ž (607) 231-0300, (315) 673-2432
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Kathleen D Miguel

Gary Miguel from Marcellus, NY

Age 74 b. Nov 1951 Onondaga Co.
๐Ÿ“ 2220 Stump Rd
๐Ÿ“ž (315) 673-2432

Gary Miguel from Somerset, MA

Age 48 b. Mar 1978 Bristol Co.
๐Ÿ“ 235 Highview Ave
๐Ÿ“ž (508) 678-3707

Gary Miguel from Somerset, MA

Age 48 b. Mar 1978
๐Ÿ“ 352 Mcarthur Ave
๐Ÿ“ž (208) 375-3522

Gary San Miguel

๐Ÿ“ 104 Shoreline Cir, Malakoff Tx
๐Ÿ“ž (940) 293-5376, (940) 293-5376
โœ‰๏ธ JILLSANMIGUEL@GMAIL.COM

Gary Miguel from Redding, CA

Age 81 b. 1945 Male
๐Ÿ“ 21235 Gilbert Dr
๐Ÿ“ž (530) 722-0237

Gary Miguel from Lemoore, CA

Age 84 b. Jun 1941 Kings Co.
๐Ÿ“ 492 E Burlwood Ln

Gary Miguel from Lemoore, CA

Age 85 b. 1941 Male
๐Ÿ“ 1615 Mulberry Ln

Gary Miguel from Sacramento, CA

Sacramento Co.
๐Ÿ“ 911 F St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 15 contact records for Gary Miguel across 4 states. The most recent address on file is in Lawai, Hawaii. Of these records, 12 include phone numbers and 6 include email addresses. The listed age is 62. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Miguel Gary W Miguel Kathleen

Onondaga County
· 2220 Stump Rd, Marcellus

Gary W Miguel

2022 Onondaga County
· 2220 Stump, Marcellus

Gary W Miguel

2023 Onondaga County
· 2220 Stump, Marcellus

Gary W Miguel

2021 Onondaga County
· 2220 Stump, Marcellus

Gary W Miguel

2024 Onondaga County
· 2220 Stump, Marcellus

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 5 property records linked to Gary Miguel in Marcellus. Values shown are from county assessor records and may differ from current market prices.

Gary W Miguel

BLK
2220 Stump Rd, 6, 13108
DOB: 19511107 Gender: Male

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

2012 Kia Sorento
ยท Registered to: Gary Miguel
ยท VIN: 5XYKT3A17CG203605
·
1128 Beckley Pl, Honolulu, HI, 96819
·
(808) 673-6729
2011 HYUNDAI ELANTRA
ยท Registered to: Gary Miguel
ยท VIN: KMHDH4AE9BU118499
·
9117 Gardenia Dr, Denton, TX, 76207-8621
·
(903) 677-1060
2001 PONTIAC SUNFIRE CAR BASIC ECONOMY
ยท Registered to: Gary Miguel
ยท VIN: 1G2JB124417169875
·
2220 Stump Rd, Marcellus, NY, 13108
2013 Hyundai Elantra
ยท Registered to: Gary Miguel
ยท VIN: KMHDH4AE9DU649057
·
2356 Makanani Dr, Honolulu, HI, 96817
·
(808) 585-1691
2002 CHEVROLET SILVERADO PICKUP
ยท Registered to: Gary Miguel
ยท VIN: 2GCEC19W621399546
·
7860 Charlya Dr, Athens, TX, 75752
·
(903) 677-1060
1999 PONTIAC SUNFIRE
ยท Registered to: Gary Miguel
·
2220 Stump Rd, Marcellus, NY, 13108

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 6 vehicle registration records are associated with Gary Miguel. Registered makes include Kia, Hyundai, Pontiac, Chevrolet. The most recent model year on record is 2013. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Multnomah County

HR Analyst
gary.miguel@multco.us
Portland,

Syracuse Police Data Mgmt

Manager
(315) 442-5104
Syracuse, NY
Public Order, Safety and Justice (Government)

Kettlelman Fruit Co

Partner
(559) 584-2690
Hanford, CA
Agricultural Production - Crops (Agriculture)

Belzers Bakery

Owner
Millville, NJ
Food Stores (Food)

Gary Miguel

Software Engineer
Google
Berkeley, California, United States

Gary Miguel

Software Engineer
Google
California

Arrowhead Regional Computing

Gary MiguelExecutive Director
bigdaddygdaddyg@yahoo.com
1500 A St Apt 114, Sacramento, CA95811
arcc.org

Health Care Service Corp

Gary MiguelApplication Developer
(312) 861-3897sanmiguelg@bcbsil.com
Chicago, IL

Home Headquarters Inc

Gary MiguelIndividual Member
(315) 474-1939garym@homehq.org
Syracuse, NY

Gary San Miguel

Educational Director at B ยท Dallas/Fort Worth Area

Arrowhead Regional Computing

Gary MiguelExecutive Director
bigdaddygdaddyg@yahoo.com
1500 A St Apt 114, Sacramento, CA95811

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 16 business affiliations were found for Gary Miguel. Companies include Syracuse Police Data Mgmt, Kettlelman Fruit Co, Belzers Bakery and 4 more. Roles listed include HR Analyst and Application Developer. Records are compiled from state business registries, SEC filings, and professional networking databases.

Gary L. Miguel Investments, INC.

Filed: Jan 16, 1978
Registered Agent: Gary L. Miguel

Gary L. Miguel Investments, INC.

Filed: Jan 16, 1978
CEO: Gary L. Miguel

Gary L. Miguel Investments, INC.

Addr: 449 West D Street Ste. B, Lemoore, CA, 93245
CA
CEO: Gary L. Miguel

Source: Public Records Gary Miguel appears in 3 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Gary Miguel

Lemoore High School - Lemoore, CA, CA
1959

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Gary Miguel 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.

$250 Jun 30, 2014
2014
Mayday Pac
Miguel, Gary Engineer @ Google Burlingame, CA
$100 Sep 29, 2011
2012 REP
Roemer, Charles E. ''Buddy'' Iii
Miguel, Gary Engineer @ Google, INC Mountain View, CA
$200 Feb 10, 2020
2020
Rubio, Marisol
Miguel, Gary Engineer @ Google, LLC Berkeley, CA
$500 May 5, 2014
2014
Mayday Pac
Miguel, Gary Engineer @ Google Burlingame, CA
$50 Apr 23, 2013
2014
Thompson For Council
Miguel, Gary Marcellus, NY
$250 May 5, 1992
1992 REP
Seymour, John F
Miguel, Gary Lemore, CA
$200 Feb 10, 2020
2020
Rubio, Marisol
Miguel, Gary Engineer @ Google, LLC Berkeley, CA
$500 May 5, 2014
Mayday Pac
Contributor Engineer @ Google Burlingame, CA
$250 May 5, 1992
Unknown Committee
Miguel, Gary Lemore, CA
$50
2014
Thompson For Council
Contributor Marcellus, NY

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 10 political contribution records found for Gary Miguel. Total disclosed contributions amount to $2,350. Recipients include Mayday Pac, Thompson For Council. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Gary Miguel

Age 76 Male
·
1615 Mulberry Ln, Lemoore, CA 93245 (Kings County)
36.2995, -119.8050
TZ: Pacific
Occ: White Collar Edu: High School
Single Family
MP

Gary W Miguel

Age 65 Male
·
2220 Stump Rd, Marcellus, NY 13108 (Onondaga County)
42.9965, -76.3532
· (315) 673-2432
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1969 Purchased 2001
MP

Gary T Miguel

Age 39 Male
·
235 Highview Ave, Somerset, MA 02726 (Bristol County)
41.7705, -71.1441
· (774) 526-6725
Marital: Inferred Married TZ: Eastern
Edu: High School
Homeowner Single Family
MP

Gary L Miguel

Age 72 Male
·
21235 Gilbert Dr, Redding, CA 96002 (Shasta County)
40.5596, -122.2700
· (530) 722-0237
Marital: Married TZ: Pacific
Occ: Healthcare
Homeowner Single Family Built 1979 Purchased 2007

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 4 demographic profiles associated with Gary Miguel. 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 Gary Miguel. These loans were issued to businesses, not individuals.

Charleen Buckley

Sole Proprietorship

$3,833 Paid in Full
Address:
3600 Data Dr Apt 37
Rancho Cordova, CA95670-7906
Approved

Feb 2, 2021

Forgiven

$3,853

Jobs Reported

1

Loan #

1547018405

Loan Size

Small

Anthony Bost

Independent Contractors

$4,165 Exemption 4
Address:
1500 A St Apt 346
Sacramento, CA95811-0640
Approved

May 11, 2021

Jobs Reported

1

Loan #

8323628904

Loan Size

Small

Shakara Robinson

Self-Employed Individuals

$19,117 Exemption 4
Address:
3600 Data Dr Apt 222
Rancho Cordova, CA95670-7917
Approved

May 22, 2021

Jobs Reported

1

Loan #

6244649005

Loan Size

Small

Ricardo A Alvarez

Sole Proprietorship

$20,833 Paid in Full
Address:
1704 Enterprise St
Edinburg, TX78541-8901
Approved

Mar 30, 2021

Forgiven

$20,905

Jobs Reported

1

Loan #

2819628704

Loan Size

Small

Auzane Curtis

Independent Contractors

$22,257 Paid in Full
Address:
3600 Data Dr Apt 485
Rancho Cordova, CA95670-7934
Approved

Apr 2, 2021

Forgiven

$22,480

Jobs Reported

1

Loan #

5697918702

Loan Size

Small

Melvin Jackson

Independent Contractors

$1,657 Paid in Full
Address:
3600 Data Dr Apt 188
Rancho Cordova, CA95670-7915
Approved

May 18, 2021

Forgiven

$1,675

Jobs Reported

1

Loan #

3535299003

Loan Size

Small

Latoya Collins

Independent Contractors

$20,510 Exemption 4
Address:
3600 Data Dr Apt 64
Rancho Cordova, CA95670-7907
Approved

May 11, 2021

Forgiven

$20,777

Jobs Reported

1

Loan #

8474838905

Loan Size

Small

Travon Muldrow

Sole Proprietorship

$17,708 Exemption 4
Address:
3600 Data Dr Apt 402
Rancho Cordova, CA95670-7311
Approved

Apr 24, 2021

Jobs Reported

1

Loan #

9978258808

Loan Size

Small

Tyiesa Luckett

Sole Proprietorship

$20,635 Paid in Full
Address:
3600 Data Dr Apt 108
Rancho Cordova, CA95670-7910
Approved

Apr 22, 2021

Forgiven

$20,729

Jobs Reported

1

Loan #

8139148804

Loan Size

Small

Ricardo A Alvarez

Sole Proprietorship

$20,833 Paid in Full
Address:
1704 Enterprise St
Edinburg, TX78541-8901
Approved

Apr 19, 2021

Forgiven

$20,893

Jobs Reported

1

Loan #

6089378805

Loan Size

Small

Osama Safa

Self-Employed Individuals

$9,022 Paid in Full
Address:
3600 Data Dr Apt 285
Rancho Cordova, CA95670-7311
Approved

Apr 28, 2021

Forgiven

$9,062

Jobs Reported

1

Loan #

3987158905

Loan Size

Small

Vaughn Cotton

Sole Proprietorship

$16,875 Paid in Full
Address:
1500 A St Apt 107
Sacramento, CA95811-0636
Approved

May 20, 2021

Forgiven

$17,056

Jobs Reported

1

Loan #

4764659002

Loan Size

Small

Keyshawn Atlas

Sole Proprietorship

$20,832 Paid in Full
Address:
3600 Data Dr Apt 444
Rancho Cordova, CA95670-7932
Approved

May 13, 2021

Forgiven

$21,033

Jobs Reported

1

Loan #

1130359000

Loan Size

Small

Sunnerica Marie Sinohui

Sole Proprietorship

$10,205 Paid in Full
Address:
3600 Data Dr Apt 425
Rancho Cordova, CA95670-7931
Approved

Apr 4, 2021

Forgiven

$10,233

Jobs Reported

1

Loan #

6552448707

Loan Size

Small

Marquise Jefferson

Sole Proprietorship

$19,927 Exemption 4
Address:
3600 Data Dr Apt 242
Rancho Cordova, CA95670-7919
Approved

May 13, 2021

Jobs Reported

1

Loan #

1606679009

Loan Size

Small

Melody Harp

Independent Contractors

$2,605 Paid in Full
Address:
3600 Data Dr Apt 580
Rancho Cordova, CA95670-7940
Approved

May 12, 2021

Forgiven

$2,624

Jobs Reported

1

Loan #

9880488907

Loan Size

Small

Robert Briley

Sole Proprietorship

$5,726 Exemption 4
Address:
3600 Data Dr Apt 596
Rancho Cordova, CA95670-7941
Approved

May 11, 2021

Jobs Reported

1

Loan #

8246278901

Loan Size

Small

Azizullah Shansab

Self-Employed Individuals

$13,090 Paid in Full
Address:
3600 Data Dr Apt 153
Rancho Cordova, CA95670-7913
Approved

May 11, 2021

Forgiven

$13,180

Jobs Reported

1

Loan #

8551698905

Loan Size

Small

Melvin Jackson

Independent Contractors

$1,657 Paid in Full
Address:
3600 Data Dr Apt 188
Rancho Cordova, CA95670-7915
Approved

Apr 16, 2021

Forgiven

$1,677

Jobs Reported

1

Loan #

4312348801

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 19 PPP loan records are linked to businesses associated with Gary Miguel. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Gary Miguel on the map

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Gary Miguel in Redding, CA: Background Summary

Location
21235 Gilbert Dr, Redding Ca, Redding, CA
Other Locations
Lawai, HI ยท Sacramento, CA ยท Marcellus, NY and 3 more
Profiles Found
15 people with this name
Phone Numbers
(916) 456-6707 and 11 others on file
Email
bigdaddygdaddyg@yahoo.com and 5 others on file
Possible Relatives
Angelina Martinez Miguel, Angelina Miguel, Anthony Mario Miguel, Carmen A Rodriguez, Cynthia Sue Rowbotton and 41 more
Career
HR Analyst, Application Developer at Syracuse Police Data Mgmt, Kettlelman Fruit Co
Voter Registration
Registered BLK
Properties
1property owned
Vehicles
6 linked โ€” 2012 Kia Sorento, 2011 Hyundai Elantra and 4 more
Contributions
$2,350 total โ€” Mayday Pac, Thompson For Council
PPP Loans
$251K for Charleen Buckley, Anthony Bost

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 Gary Miguel. Because public records are indexed by name rather than by a unique identifier, the 82 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 Gary Miguel

Search Complexity: High

82 public records across 7states, belonging to approximately 15 different individuals. With 15 distinct profiles across 7 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 7 states. Highest concentration: California (22%), followed by New York and Massachusetts. Spans the West and Northeast regions.

CA18recordsNY8recordsMA3recordsHI3recordsNJ1recordIL1record

Record Type Breakdown

Data spans 8 record categories. Largest: PPP Loan Records (25%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (17) and Business & Corporate Filings (16).

19
PPP Loan Records
17
Contact & Address Records
16
Business & Corporate Filings
10
Political Contribution Records
6
Vehicle Registration Records
5
Property Ownership Records

Age Distribution

Age range: approximately 37 years, suggesting multiple generations. Largest group: Senior (65+) (57%).

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

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

Frequently Asked Questions About Gary Miguel

Is Gary Miguel a registered voter?
Yes, voter registration records show Gary Miguel is registered with BLK 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 Gary Miguel own property?
County assessor records show 5 properties associated with Gary Miguel . 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 Gary Miguel?
Records show 6 vehicle registrations associated with Gary Miguel, including a 2012 Kia Sorento. Registered makes include Kia, Hyundai, Pontiac, Chevrolet. 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 Gary Miguel?
We found 16 business affiliations for Gary Miguel (HR Analyst). Other companies include Kettlelman Fruit Co, Belzers Bakery. Business records are compiled from state registries, SEC filings, and professional databases.
Has Gary Miguel made political donations?
FEC disclosure records show 10 reported political contributions from Gary Miguel, totaling $2,350. Recipients include Mayday Pac and Thompson For Council. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Gary Miguel?
Our database contains 82 total records for Gary Miguel spanning 7 states. This includes 15 distinct contact records, 12 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 Gary Miguel?
The 82 records displayed for Gary Miguel 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 Gary Miguel 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.