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Gifford Taylor Lee Jr from Garnet Valley, PA

Age 45 b. 5/16/1980
📍 86 S Valentine Dr, #garnet Valley, PA 19060-1326
✉️ ltaylor1534@hotmail.com, zaopunk@yahoo.com, jennifer.weintraub@webtv.net, zaopunk2000@yahoo.com, strawbrysu@aol.com, toothtay@aol.com, strawbrys4u@aol.com
👨‍👩‍👧 Relatives: Abigail M Switzer,Alma E Taylor,Carol A Taylor,Jason Matthew Taylor,Jeffrey Lee Kazin,Jong Sun Lee,Kristin B Luther,L Taylor,Lee G Taylor,Lee G Taylor,Lee R Westmoreland,Lindsay A Taylor,Lori A Taylor,Michelle Van Le,Robert J Taylor,Wendy Lee Taylor,Amy L Brott,Antionett M Taylor,Antoinette M Taylor,Carol A Taylor,Carol A Taylor,Caroline M Mcguire,Carroll L Taylor,Dora Kazin,E G Luther-Jason,Ed W Mcguire,Edward W Mcguire,Edward W Mcguire Sr,Georgia Jodi Schoonover,Jason Eg Luther,Jennifer Lynn Karol,Jesse Lang,John Dinh Le,Jonathan Thien Nguyen,Jonathan P Taylor,Jong S Lee,Joseph R Obrzut,Josephine M Taylor,Karin W Taylor,Laura L Taylor,Linda L Salmen,Mary A Taylor,Morris H Kazin,Robert W Mcguire,Robert B Taylor Jr,Robert B Taylor Sr,Shirley R Raven,Susan E Reha,Theresa Mcgurk,William L Melanson
🕐 16 previous addresses

Mr Gifford A. Lee from Plainfield, VT

Age 80 b. 7/28/1945
📍 620 Lee Rd, #plainfield, VT 05667-9230
👨‍👩‍👧 Relatives: Edna E Laplante,Caroline M Gilbert,Kelley Lynn Lee,Richard Laplante,Richard P Laplante Sr,Ronald Gene Lee Jr,Allen L Poulin Jr,Bob Gilbert Jr,Brian C Ward,Brianna M Poulin,Bruce E King Jr,Bryce A Mcnall,Caroline Gilbert,Caroline M Gilbert,Daniel John Atherton,Daniel W Bryan Sr,Edward David Gilbert,George F Plante,Gilbert Jr,Howard Paul Atherton,Isaac T Lee,Jackie L Mcnall,Jayme L Allard,Jennifer A Aronson,Jennifer J Atherton,Jilda Jo Bergeron,Jolene B Atherton,Kim M Plante,Laurie Ann Lee Jr,Linda A Gilbert Sr,Dr M B Augenstein,Mahlon L Gilbert,Marie F Gilbert,Mark B Cohn,Mearle A Bushey,Mellisa Gilbert Jr,Mildred Augenstein Dr Cohn,Nancy A Pigeon,Nicole M Porter,Paul Allen Hatch,Pauline A Lee,Ray R Johnson,Rick Robert Pigeon,Robert A Gilbert Sr,Robert A Gilbert Jr,Robert G Pigeon,Roger L Bushey,Shelly M Gilbert Jr,Teddy A Gilbert,William T Lee
🕐 8 previous addresses

Gifford Lee from Madison, AL

Age 101
📍 11058 Morris Dr, Madison, AL 35756
📞 (256) 233-2901, (501) 565-6190, (501) 565-6619
👨‍👩‍👧 Relatives: Betty L Lee,Joyce F Lee,Amy L Tucker,Jenny L Holder,Gifford Leejr,Gifford Lee,Michelle Lee

Gifford Lee from Brooklyn, NY

Age 53 b. Aug 1972 Kings Co.
📍 5016 7th Ave Unit 1
📞 (541) 482-0467, (718) 633-9064

Gifford Lee from Mc Kenzie, AL

Age 88
📍 1247 Arnold Rd, Mc Kenzie, AL 36456
📞 (334) 374-2779, (334) 374-2971, (334) 374-2567
👨‍👩‍👧 Relatives: Juanita Lee,Carrie L Lee,Carrie Lee,Nita Lee
🏪 Lees Route Service, Lees Route Service, Inc

Gifford Lee from Frankfort, KY

Age 82
📍 130 Randolph Rd, Frankfort, KY 40601
📞 (502) 695-4930, (502) 645-8726, (502) 695-4930
👨‍👩‍👧 Relatives: Betty H Lee,Nancy Lee

Gifford Lee from Madison, AL

Age 56 b. Sep 1969 Limestone Co.
📍 11058 Morris Dr
📞 (256) 738-4649

Gifford Lee from Mc Kenzie, AL

Age 100 b. 1926 Male
📍 1247 Arnold Rd
📞 (334) 374-2779 (Cell)

Gifford Lee from Bridgeport, CT

Age 72 b. Nov 1953
📍 227 Spring St 31
📞 (817) 375-8659

Gifford Lee from Redwood City, CA

Age 63 b. Jan 1963 San Mateo Co.
📍 603 Oak Ridge Dr
📞 (650) 368-3203

Gifford Lee from Plainfield, VT

Age 81 b. Jan 1945 Washington Co.
📍 9 School St Unit 9
📞 (724) 627-2310

Gifford Lee from Gering, NE

Age 68 b. Jun 1957 Scotts Bluff Co.
📍 1625 A St
📞 (308) 436-2746

Gifford Lee from Rowley, MA

Age 62 b. Aug 1963 Essex Co.
📍 177 Boxford Rd
📞 (508) 948-7586

Gifford Lee from Madison, AL

Age 77 b. Aug 1948 Limestone Co.
📍 Rr 1 Po Box 39 Q

Gifford Lee from Orlando, FL

Age 76 b. Feb 1950 Orange Co.
📍 3342 S Semoran Blvd 7
👤 aka Ollie Lee Gifford

Gifford Lee from Mc Kenzie, AL

Age 100 b. Jan 1926 Butler Co.
📍 Rr 1 Po Box 390

Gifford Lee from Forest Grove, OR

Age 81 b. Sep 1944 Washington Co.
📍 2306 Rhodora St

Gifford Lee from Phoenix, OR

Age 104 b. Mar 1921 Jackson Co.
📍 4300 Colver Rd

Gifford Lee from Frankfort, KY

0
📍 12 Breckenridge Blvd, Frankfort, KY 40601

Gifford Lee from Albuquerque, NM

Bernalillo Co.
📍 4302 Panamericn Fy
📞 (509) 946-8052

Gifford Lee from Seattle, WA

King Co.
📍 6001 Sw Admiral Way
📞 (310) 371-8883

Gifford Lee from Frankfort, KY

Franklin Co.
📍 130 Randolph Rd

Gifford Lee from Grayson, KY

Carter Co.
📍 4853 N State Hwy 7

Gifford Lee from Albuquerque, NM

Bernalillo Co.
📍 2220 1st St Nw

Gifford Lee from Madison, AL

Limestone Co.
📍 10261 Burgreen Rd 11

Gifford Lee from Hot Springs National Park, AR

Garland Co.
📍 815 Woodlawn Ave C

Gifford Lee from Ridgefield, WA

Clark Co.
📍 25405 Nw Timm Rd

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 27 contact records for Gifford Lee across 14 states. The most recent address on file is in Brooklyn, New York. Of these records, 15 include phone numbers and 1 include email addresses. Ages range from 82 to 101, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Lee Gifford

Fairfield County
PIN: 714-21
· 33 Hewitt Ct #35
Lot: 3,460sqft

Lee Gifford & Novlet

Fairfield County
· 80 Trelane Dr, Bridgeport

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

Gifford Y Lee

Republican Reg: 07/06/2012
1324 Wagner Ave, Philadelphia, PA, 19141
DOB: 06/28/1984 Gender: Male

Gifford A Lee

BLK
19 Remsen St, 9, 11596
DOB: 19720807 Gender: Male

Gifford A Lee

Reg: 305253909
110-50 71 Road 9j, 11375
DOB: 19720807 Gender: Male

Gifford A Lee

BLK
110-50 71 Road, 11375
DOB: 19720807 Gender: Male

Gifford Leroy Lee

NAV Reg: 11/11/2017
3622 23rd Ave, Forest Grove, OR, 97116
DOB: 1/1/1944
County: Washington

Gifford Y Lee

1324 Wagner Ave
DOB: 06/28/1984 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 6 voter registration records were found for Gifford Lee in Pennsylvania, Oregon. Records show affiliations with R, BLK, NAV, which may reflect different individuals or changes over time. 2 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.

2012 HONDA ODYSSEY
· Registered to: Gifford Lee
· VIN: 5FNRL5H61CB082816
·
11042 Morris Dr, Madison, AL, 35756-4326
·
(256) 468-0804
2009 Ford F-150
· Registered to: Gifford Lee
· VIN: 1FTPW14V79FB28805
·
10664 Rosa Ln, Madison, AL, 35756-4242
2012 Honda Odyssey
· Registered to: Gifford Lee
· VIN: 5FNRL5H66CB105135
·
11042 Morris Dr, Madison, AL, 35756-4326
·
(256) 468-0804
2006 Honda Pilot
· Registered to: Gifford Lee
· VIN: 2HKYF18536H550439
·
19 Remsen St, Williston Park, NY, 11596
·
(917) 497-0947
2013 Honda CR-V
· Registered to: Gifford Lee
· VIN: 5J6RM3H70DL021492
·
10664 Rosa Ln, Madison, AL, 35756
·
(256) 479-1220

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 5 vehicle registration records are associated with Gifford Lee. Registered makes include Honda, Ford. 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.

Candidate Pool

Financial Advisor - Assistant Vice President
+19174970947gifflee@hotmail.com

Lees Route Service

Owner
(334) 374-2779
Mc Kenzie, AL
Furnishing, Equipment and Home Furniture Stores (Stores)

Lees Market

Owner
(203) 366-6701
Bridgeport, CT
Food Stores (Food)

Gifford Lee

Chief Executive Officer
Innovative Global Investment & Development
Philadelphia, Pennsylvania, United States
LinkedIn

Gifford Lee

Chief Executive Officer
Innovative Global Investment & Development
Pennsylvania
LinkedIn

Gifford Lee

Greater New York City Area

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 7 business affiliations were found for Gifford Lee. Companies include Lees Route Service, Lees Market, Innovative Global Investment & Development. Roles listed include Financial Advisor - Assistant Vice President. Records are compiled from state business registries, SEC filings, and professional networking databases.

gifford lee

Nonresident Health
VALID
License # W453847
Addr: Woodbury, NY

gifford lee

NPN 14875510
Addr: Woodbury, NY

Source: State Professional Licensing Boards · Dept. of Professional Regulation Gifford Lee holds 2 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

$77 Jun 18, 2020
2020 REP
McSally, Martha
Lee, Gifford A Plainfield, VT
$5 Jul 1, 2014
2014 DEM
Davidson, Teresa
Lee, Gifford Store Clerk @ Lee Market Bridgeport, CT
$77 Jun 18, 2020
2020 REP
McSally, Martha
Lee, Gifford A Plainfield, VT
$5 Jul 1, 2014
DEM
Davidson, Teresa
Contributor Store Clerk @ Lee Market Bridgeport, CT
$50 Oct 15, 2020
Unknown Committee
Lee, Gifford Retired @ None Plainfield, VT
$5
2014 DEM
Davidson, Teresa
Contributor Store Clerk @ Lee Market Bridgeport, CT

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 6 political contribution records found for Gifford Lee. Total disclosed contributions amount to $219. Recipients include Davidson, Teresa. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Gifford E Lee

Male
·
425 South St, Honolulu, HI 96813 (Honolulu County)
21.3008, -157.8610
TZ: Hawaii
Homeowner Multi-Family Built 1989 Purchased 2009
MP

Gifford A Lee

Age 72 Male
·
620 Lee Rd, Plainfield, VT 05667 (Washington County)
44.2334, -72.4149
· (802) 454-9956
Marital: Single TZ: Eastern
Edu: Some College
Homeowner Single Family
MP

Gifford Lee

Age 91 Male
·
1247 Arnold Rd, Mc Kenzie, AL 36456 (Butler County)
31.5331, -86.7106
· (334) 374-2779
Marital: Single TZ: Central
Edu: Some College
Homeowner Single Family Purchased 2005
MP

Gifford Lee

Male
·
1525 Stratford Ave, Bridgeport, CT 06607 (Fairfield County)
41.1799, -73.1613
TZ: Eastern
Homeowner Single Family Built 1882 Purchased 1987
MP

Gifford Lee

Age 73 Male
·
2306 Rhodora St, Forest Grove, OR 97116 (Washington County)
45.5231, -123.0820
Marital: Married TZ: Pacific
Occ: Professional
Homeowner Single Family
MP

Gifford Lee

Male
·
4808 N 5th St, Philadelphia, PA 19120 (Philadelphia County)
40.0247, -75.1331
TZ: Eastern
Single Family
MP

Gifford A Lee

Age 45 Male
·
19 Remsen St, Williston Pk, NY 11596 (Nassau County)
40.7607, -73.6465
· (917) 497-0947
Marital: Married TZ: Eastern
Homeowner Single Family Built 1928 Purchased 2008
MP

Gifford E Lee

Age 96 Male
·
200 Clay St, Ashland, OR 97520 (Jackson County)
42.1907, -122.6760
· (541) 482-7898
Marital: Inferred Married TZ: Pacific
Homeowner Single Family Built 1977 Purchased 2014

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 8 demographic profiles associated with Gifford Lee. 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 Gifford Lee. These loans were issued to businesses, not individuals.

Shannelle Lee

$18,541 Paid in Full
Address:
80 Trelane Dr
Approved

Apr 10, 2021

Forgiven

$18,675

Loan #

1486528803

Loan Size

Small

Gifford Lee

Sole Proprietorship

$20,833 Paid in Full
Address:
1515 Stratford Ave
Bridgeport, CT06607-1427
Approved

Apr 30, 2021

Forgiven

$20,975

Jobs Reported

1

Loan #

5771018909

Loan Size

Small

Gifford Lee

Sole Proprietorship

$20,833 Paid in Full
Address:
1515 Stratford Ave
Bridgeport, CT06607-1427
Approved

Apr 11, 2021

Forgiven

$20,983

Jobs Reported

1

Loan #

2020368806

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 3 PPP loan records are linked to businesses associated with Gifford Lee. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Source: IMDb · Open Library · Sports Reference · FIDE Chess Federation Additional public records from specialized databases including entertainment industry credits (IMDb), published works (Open Library), sports statistics, and other publicly available reference sources.

Find Gifford Lee 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
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Found 53 results across 15 states

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Gifford Lee in PA: Background Summary

Location
86 S Valentine Dr Garnet Valley, PA 19060-1326
Other Locations
Brooklyn, NY · Madison, AL · Mc Kenzie, AL and 14 more
Profiles Found
27 people with this name
Phone Numbers
(610) 513-7111 and 17 others on file
Email
ltaylor1534@hotmail.com and 6 others on file
Possible Relatives
Abigail M Switzer, Alma E Taylor, Carol A Taylor, Jason Matthew Taylor, Jeffrey Lee Kazin and 104 more
Career
Financial Advisor - Assistant Vice President at Lees Route Service, Lees Market
Voter Registration
Registered BLK
Properties
2properties owned
Vehicles
5 linked — 2012 Honda Odyssey, 2009 Ford F-150 and 3 more
Contributions
$219 total — Davidson, Teresa, Davidson, Teresa
Licenses
1 professional license (NONRESIDENT HEALTH)
PPP Loans
$60,207 for Shannelle Lee, Gifford Lee

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 Gifford Lee. Because public records are indexed by name rather than by a unique identifier, the 71 results displayed here may include information belonging to multiple individuals who share the same name — 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 — 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 — some restrict access or redact certain fields such as date of birth or residential address — 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 — 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 Gifford Lee

Search Complexity: High

71 public records across 15states, belonging to approximately 27 different individuals. With 27 distinct profiles across 15 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 15 states. Highest concentration: Alabama (21%), followed by Connecticut and New York. Spans the South and Northeast regions.

AL15recordsCT6recordsNY6recordsOR5recordsKY4recordsVT4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (50%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (7) and Voter Registration Records (6).

31
Contact & Address Records
7
Business & Corporate Filings
6
Voter Registration Records
6
Political Contribution Records
5
Vehicle Registration Records
3
PPP Loan Records

Age Distribution

Age range: approximately 59 years, suggesting multiple generations. Largest group: Senior (65+) (71%).

Senior (65+)10peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Gifford Lee

Is Gifford Lee a registered voter?
Yes, voter registration records show Gifford Lee is registered in Pennsylvania with R affiliation. We found 6 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Gifford Lee own property?
County assessor records show 2 properties associated with Gifford Lee . 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 Gifford Lee?
Records show 5 vehicle registrations associated with Gifford Lee, including a 2012 HONDA ODYSSEY. Registered makes include Honda, Ford. 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 Gifford Lee?
We found 7 business affiliations for Gifford Lee (Financial Advisor - Assistant Vice President). Other companies include Lees Market, innovative global investment & development. Business records are compiled from state registries, SEC filings, and professional databases.
Has Gifford Lee made political donations?
FEC disclosure records show 6 reported political contributions from Gifford Lee, totaling $219. Recipients include Davidson, Teresa. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Gifford Lee?
Our database contains 71 total records for Gifford Lee spanning 15 states. This includes 27 distinct contact records, 15 with phone numbers, 1 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 Gifford Lee?
The 71 records displayed for Gifford Lee 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 Gifford Lee 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.