Gerald Ritz from Erie, PA

Age 70
๐Ÿ“ 1426 Wana Dr, Erie, PA 16505
๐Ÿ“ž (814) 455-2234, (814) 838-3428

Gerald Ritz from Eatonville, WA

Age 89 b. Jun 1936 Pierce Co.
๐Ÿ“ 39615 Meridian E
๐Ÿ“ž (360) 832-4359, (360) 832-4855

Gerald Ritz from Morrill, NE

Age 78
๐Ÿ“ 126 Jirdon Ave, Morrill, NE 69358
๐Ÿ“ž (308) 247-2610
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Beverly J Ritz,V Ritz
๐Ÿช Trinity Evangelical Lutheran Church, M L H Non-Profit Development Company

Gerald Ritz from Marlboro, NJ

Age 88
๐Ÿ“ 46 Peasley Dr, Marlboro, NJ 07746
๐Ÿ“ž (732) 972-0208, (732) 672-1113, (908) 972-0208
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Bess Ritz,Edith Ritz,Gj Ritz

Gerald Ritz from Clementon, NJ

0
๐Ÿ“ 35 Palmetta Ave, Clementon, NJ 08021
๐Ÿ“ž (609) 435-2668
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Janet W Ritz,Bill W Ritz,William Ritz

Gerald Ritz from Erie, PA

Age 55 b. Mar 1970 Erie Co.
๐Ÿ“ 1689 W 13 Th St
๐Ÿ“ž (814) 455-2234

Gerald Ritz from Shingle Spgs, CA

Age 61 b. Jul 1964 El Dorado Co.
๐Ÿ“ 4003 Grove Ln B
๐Ÿ“ž (785) 626-9565

Gerald Ritz from Sylvania, OH

Age 97 b. May 1928 Lucas Co.
๐Ÿ“ 5845 San Reno Dr
๐Ÿ“ž (419) 882-4827

Gerald Ritz from New Bremen, NY

Age 87
๐Ÿ“ State Route 812, New Bremen, NY
๐Ÿ“ž (315) 346-6640
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Maryann A Ritz,Daniel C Ritz

Gerald Ritz from Milford, CT

Age 93 b. Apr 1932
๐Ÿ“ 45 Cedar Spring Rd
๐Ÿ“ž (203) 253-8764

Gerald Ritz from Eagle Point, OR

Age 61 b. Jul 1964 Jackson Co.
๐Ÿ“ 37 Wildwood Dr
๐Ÿ“ž (541) 826-3422

Gerald Ritz from Morrill, NE

Age 89 b. Apr 1936 Scotts Bluff Co.
๐Ÿ“ 126 Jiron Ave Unit 309
๐Ÿ“ž (308) 247-2610

Gerald Ritz from Morrill, NE

Age 90 b. 1936 Scotts Bluff Co.
๐Ÿ“ 126 Jirdon Ave
๐Ÿ“ž (308) 247-2610

Gerald Ritz from South Bend, IN

Age 106 b. Jun 1919 St Joseph Co.
๐Ÿ“ 4410 Silver Ln
๐Ÿ“ž (219) 287-7402

Gerald Ritz from Twin Lake, MI

Age 69 b. Jun 1956 Muskegon Co.
๐Ÿ“ 8031 Weiler Rd
๐Ÿ“ž (231) 821-0486

Gerald Ritz from Marlboro, NJ

Age 100 b. 1926 Monmouth Co.
๐Ÿ“ 46 Peasley Dr
๐Ÿ“ž (732) 972-0208

Gerald Ritz from San Diego, CA

Age 90 b. 1936 Male
๐Ÿ“ 11342 Arborside Way
๐Ÿ“ž (253) 279-4811 (Cell)

Gerald Ritz from Royal Palm Beach, FL

Palm Beach Co.
๐Ÿ“ 2051 Wightman Dr
๐Ÿ“ž (561) 798-3863

Gerald Ritz from Punta Gorda, FL

Age 116
๐Ÿ“ 124 Danforth Dr, Punta Gorda, FL 33980
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Stella B Ritz

Gerald Ritz from Valley, PA

Age 69 b. Sep 1956 Luzerne Co.
๐Ÿ“ 2 Sweet

Gerald Ritz from Erie, PA

Age 82 b. Oct 1943 Erie Co.
๐Ÿ“ 1689 W 13th St

Gerald Ritz from Lindenwald, NJ

๐Ÿ“ 709 Birches
๐Ÿ“ž (859) 497-9661
๐Ÿ‘ค aka W Ritz

Gerald Ritz from Matawan, NJ

๐Ÿ“ 42 Idlewild Ln
๐Ÿ“ž (773) 736-2361

Gerald Ritz from Clementon, NJ

๐Ÿ“ 35 Palmetta Ave
๐Ÿ“ž (405) 787-8426

Gerald Ritz

Age 98 b. Nov 1927
๐Ÿ“ 3 Hollidaysburg Pa Po Box 34

Gerald Ritz from Tunkhannock, PA

Wyoming Co.
๐Ÿ“ 35 E Harrison St

Gerald Ritz from Hollidaysburg, PA

Blair Co.
๐Ÿ“ 3 Po Box 34

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 27 contact records for Gerald Ritz across 12 states. The most recent address on file is in Eatonville, Washington. Of these records, 21 include phone numbers. Ages range from 70 to 116, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Ritz, Gerald

Lewis County
PIN: 130.03-01-27.000
· 9444 NYS Rte 812
Lot: 14,833sqft

Ritz Gerald V Etal

Horry County
· 204 Double Eagle Dr, Myrtle-Beach 29575.0

Ritz, Gerald J. & Edith

Residential Monmouth County
· 46 Peasley Drive, 07746

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

Gerald J Ritz

Democrat
46 Peasley Dr, Marlboro, 07746
DOB: 7/31/1926
County: Monmouth

Gerald L Ritz

Democrat Reg: 10/01/1988
2235 Saltsman Rd, Erie, PA, 16510
DOB: 03/16/1970 Gender: Male

Gerald M Ritz

Republican
9444 State Route 812, 4, 13327
DOB: 19270214 Gender: Male

Gerald William Ritz

Republican Reg: 3/11/2009
424 Manzanita St Apt D, Central Pt, OR, 97502
DOB: 1/1/1964
County: Jackson

Gerald L Ritz

2235 Saltsman Rd
DOB: 03/16/1970 Gender: Male

Gerald E Ritz

Reg: 07/11/1972
39615 Meridian, Eatonville, WA, 98328
DOB: 01/29/1936 Gender: Male
County: PI

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 6 voter registration records were found for Gerald Ritz in Pennsylvania, Oregon, Washington. Records show affiliations with D, REP, which may reflect different individuals or changes over time. 3 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2004 Cadillac Deville
ยท Registered to: Gerald Ritz
ยท VIN: 1G6KD54Y24U112164
·
2207 N East St, Kirksville, MO, 63501
1993 NISSAN SHORT BED COMPACT TRUCK
ยท Registered to: Gerald Ritz
ยท VIN: 1N6SD11S0PC440664
·
3002 W Brainerd St, Pensacola, FL, 32505
2011 Hyundai Sonata
ยท Registered to: Gerald Ritz
ยท VIN: 5NPEB4AC8BH288839
·
46 Peasley Dr, Marlboro, NJ, 07746-1766
·
(732) 972-0208

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with Gerald Ritz. Registered makes include Cadillac, Nissan, Hyundai. 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.

Circle K

Manager
(253) 759-8684
Tacoma, WA
Food Stores (Food)

Gerald Ritz

Fachberater
Media Markt
Wurzburg, Bayern, Germany

Gerald Ritz

United States

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 4 business affiliations were found for Gerald Ritz. Companies include Circle K, Media Markt. Records are compiled from state business registries, SEC filings, and professional networking databases.

Inventor Record

Gerald Ritz - MONTREAL, CA

Source: USPTO Patent Database ยท U.S. Patent & Trademark Office Gerald Ritz is listed as an inventor or co-inventor on 1 USPTO patent. Patent data is public information published by the United States Patent and Trademark Office upon grant or application publication.

Gerald J Ritz

Group Tour
May 9, 2015, 01:30 PM
ยท WH

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA Gerald Ritz 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.

Gerald Ritz

Theodore Roosevelt High School - Bronx, NY, NY
1944

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Gerald Ritz 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.

$5 Mar 9, 2012
2012 DEM
Sheyman, Ilya
Ritz, Gerald Retired Marlboro, NJ
$10 Apr 11, 2012
2012 DEM
Democratic Congressional Campaign Committee
Ritz, Gerald Retired Marlboro, NJ
$5 Mar 9, 2012
2012
Progressive Change Campaign Committee
Ritz, Gerald Retired Marlboro, NJ
$10 Jan 11, 2016
2016 DEM
Sanders, Bernard
Ritz, Gerald Retired Marlboro, NJ
$300 Sep 17, 2016
2016 12
Clinton, Hillary Rodham
Ritz, Gerald Retired Marlboro, NJ
$5 Oct 11, 2013
2014 DEM
Booker, Cory A
Ritz, Gerald Retired Marlboro, NJ
$10 Mar 22, 2012
2012 DEM
Democratic Congressional Campaign Committee
Ritz, Gerald Retired Marlboro, NJ
$10 Mar 30, 2012
2012 DEM
Democratic Congressional Campaign Committee
Ritz, Gerald Retired Marlboro, NJ
$300 Sep 17, 2016
2016
Hillary Victory Fund
Ritz, Gerald Retired Marlboro, NJ
$5 Oct 11, 2013
DEM
Booker, Cory A
Contributor Retired Marlboro, NJ
$300 Sep 17, 2016
Unknown Committee
Ritz, Gerald Retired Marlboro, NJ

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 11 political contribution records found for Gerald Ritz. Total disclosed contributions amount to $960. Recipients include Booker, Cory A. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Gerald Ritz

Male
·
9805 Wolfinger Rd, Berkey, OH 43504 (Lucas County)
41.6635, -83.7777
· (419) 214-7676
TZ: Eastern
Homeowner Single Family Built 1990 Purchased 1989
MP

Gerald E Ritz

Age 81 Male
·
39615 Meridian E, Eatonville, WA 98328 (Pierce County)
46.8950, -122.2980
· (360) 832-4359
Marital: Married TZ: Pacific
Occ: Professional Edu: High School
Homeowner Single Family Built 1977 Purchased 1979
MP

Gerald J Ritz

Age 91 Male
·
46 Peasley Dr, Marlboro, NJ 07746 (Monmouth County)
40.3114, -74.2744
· (732) 672-1113
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1986 Purchased 1990
MP

Gerald W Ritz

Age 86 Male
·
1075 E Byron Rd, Muskegon, MI 49441 (Muskegon County)
43.1654, -86.2181
Marital: Single TZ: Eastern
Occ: Professional Edu: Some College
Homeowner Single Family Built 1945

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

Miller And Associates Of Edmore INC.

Subchapter S Corporation

$82,000 Paid in Full
Address:
PO Box 169
Edmore, MI48829
Approved

Apr 28, 2020

Forgiven

$82,506

Jobs Reported

7

Loan #

7232047203

Loan Size

Small

Boughan Bros INC

Corporation

$727,600 Paid in Full
Address:
PO Box 169
Sorrento, FL32776
Approved

Apr 11, 2020

Forgiven

$737,463

Jobs Reported

90

Loan #

3563347108

Loan Size

Medium

Robin Malloy DBA Shenk Metal

Sole Proprietorship

$26,700 Paid in Full
Address:
PO Box 169
Johnson City, NY13790
Approved

Apr 28, 2020

Forgiven

$27,089

Jobs Reported

6

Loan #

9916387200

Loan Size

Small

Daves Feed Store INC

Corporation

$207,300 Paid in Full
Address:
PO Box 169
New Vienna, IA52065-0169
Approved

Apr 6, 2020

Forgiven

$208,896

Jobs Reported

19

Loan #

5707297007

Loan Size

Medium

Gardner Construction

Sole Proprietorship

$26,500 Paid in Full
Address:
PO Box 169
Glade Hill, VA24092
Approved

Apr 15, 2020

Forgiven

$26,739

Jobs Reported

5

Loan #

9338877104

Loan Size

Small

Gregory Domingue

Independent Contractors

$14,062 Paid in Full
Address:
45 Cedar Spring Rd
Milford, CT06460-7031
Approved

Apr 29, 2021

Forgiven

$14,187

Jobs Reported

1

Loan #

5165828905

Loan Size

Small

Fisher'S Pharmacy, INC.

Corporation

$91,500 Paid in Full
Address:
PO Box 169
Defuniak Springs, FL32435
Approved

Apr 6, 2020

Forgiven

$92,272

Jobs Reported

10

Loan #

6069367003

Loan Size

Small

Miner'S Claim Corporation

Corporation

$111,600 Paid in Full
Address:
PO Box 169
Silt, CO81652-0169
Approved

Apr 6, 2020

Forgiven

$112,569

Jobs Reported

35

Loan #

6410637006

Loan Size

Small

Greater Muhlenberg Parks & Recreation System

Non-Profit Organization

$38,400 Paid in Full
Address:
PO Box 169
Greenville, KY42345
Approved

Apr 28, 2020

Forgiven

$38,809

Jobs Reported

10

Loan #

7160957205

Loan Size

Small

San Mortiz Condominium Association

Non-Profit Organization

$100,700 Paid in Full
Address:
PO Box 169
Crested Butte, CO81224-0169
Approved

Apr 12, 2020

Forgiven

$101,500

Jobs Reported

15

Loan #

3883767104

Loan Size

Small

D H Painting Co INC

Sole Proprietorship

$28,901 Paid in Full
Address:
PO Box 169
West Kennebunk, ME04094-0169
Approved

Apr 13, 2020

Forgiven

$29,241

Jobs Reported

3

Loan #

5597117106

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 11 PPP loan records are linked to businesses associated with Gerald Ritz. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Gerald Ritz on the map

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Gerald Ritz in Eatonville, WA: Background Summary

Location
39615 Meridian E, Eatonville, WA 98328
Other Locations
Erie, PA ยท Shingle Spgs, CA ยท Sylvania, OH and 14 more
Profiles Found
27 people with this name
Phone Numbers
(814) 455-2234 and 17 others on file
Possible Relatives
Ronald Lee Ritz, Janet M Ritz, Angela S Lusianno, Matthew S Ritz, Jerry L Ritz and 14 more
Career
Circle K, Media Markt
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
3 linked โ€” 2004 Cadillac Deville, 1993 Nissan Short Bed and 1 more
Contributions
$960 total โ€” Booker, Cory A
PPP Loans
$1455K for Miller And Associates Of Edmore INC., Boughan Bros INC
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 Gerald Ritz. Because public records are indexed by name rather than by a unique identifier, the 81 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.

Patent Filings

Patent data is drawn from the United States Patent and Trademark Office (USPTO). Being listed as an inventor on a patent means this individual is credited as having made a substantive intellectual contribution to the invention described in the patent application. Patent records include the filing date, grant date, patent number, and a description of the invention. A patent listing does not indicate that the inventor currently owns the patent rights โ€” patents are frequently assigned to employers or transferred between entities after they are granted.

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 Gerald Ritz

Search Complexity: High

81 public records across 13states, belonging to approximately 27 different individuals. With 27 distinct profiles across 13 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 13 states. Highest concentration: New Jersey (12%), followed by Pennsylvania and Nebraska. Spans the Northeast and Midwest regions.

NJ10recordsPA8recordsNE5recordsWA5recordsFL4recordsCT3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (48%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (11) and PPP Loan Records (11).

36
Contact & Address Records
11
Political Contribution Records
11
PPP Loan Records
6
Voter Registration Records
4
Business & Corporate Filings
3
Property Ownership Records

Age Distribution

Age range: approximately 60 years, suggesting multiple generations. Largest group: Senior (65+) (86%).

Senior (65+)12peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Gerald Ritz

Is Gerald Ritz a registered voter?
Yes, voter registration records show Gerald Ritz is registered with D affiliation. We found 6 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Gerald Ritz own property?
County assessor records show 3 properties associated with Gerald Ritz . 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 Gerald Ritz?
Records show 3 vehicle registrations associated with Gerald Ritz, including a 2004 Cadillac Deville. Registered makes include Cadillac, Nissan, Hyundai. 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 Gerald Ritz?
We found 4 business affiliations for Gerald Ritz, including Circle K. Other companies include media markt. Business records are compiled from state registries, SEC filings, and professional databases.
Has Gerald Ritz made political donations?
FEC disclosure records show 11 reported political contributions from Gerald Ritz, totaling $960. Recipients include Booker, Cory A. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Gerald Ritz?
Our database contains 81 total records for Gerald Ritz spanning 13 states. This includes 27 distinct contact records, 21 with phone numbers. 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 Gerald Ritz?
The 81 records displayed for Gerald Ritz 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 Gerald Ritz 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.