Homer W Ryan

Age 76 b. 1949-07-31
๐Ÿ“ 131 Zaharias Cir, Daytona Beach Fl
๐Ÿ“ž (313) 690-7468, (313) 960-7468, (313) 875-5408
โœ‰๏ธ HWRYAN@AOL.COM, hwryan@aol.com

Homer Ryan

Age 76 b. 1949-07-31
๐Ÿ“ 675 Pallister, Detroit Mi 48202
๐Ÿ“ž (313) 690-7468, (313) 875-5408
โœ‰๏ธ HWRYAN@AOL.COM, hwryan@aol.com

Homer Ryan from Detroit, MI

Age 76 b. Jul 1949 Wayne Co.
๐Ÿ“ 675 Pallister St
๐Ÿ“ž (313) 875-8444, (313) 585-1203

Homer Ryan from Alapaha, GA

Age 71 b. Jun 1954 Berrien Co.
๐Ÿ“ Po Box 177
๐Ÿ“ž (229) 532-2219

Homer Ryan

๐Ÿ“ 2137 County Rd Ew 184, Frederick Ok 73542
๐Ÿ“ž (580) 335-1500, (580) 335-5100
โœ‰๏ธ HOMERRYAN@PLDI.NET

Homer Ryan

๐Ÿ“ Po Box 607, Frederick Ok
๐Ÿ“ž (580) 335-1500, (580) 335-5100
โœ‰๏ธ HOMERRYAN@PLDI.NET

Homer Ryan from Houston, TX

Age 85
๐Ÿ“ 11714 Cypresswood Dr, Houston, TX 77070
๐Ÿ“ž (713) 376-5561, (713) 890-0526
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Billie Mckinney Ryan

Homer C Ryan from Homosassa, FL

Age 75
๐Ÿ“ 10255 W Blue Springs Ct, Homosassa, FL 34448
๐Ÿ“ž (352) 621-1977

Homer Ryan from Brooklyn, IA

Jul 1905 Poweshiek Co.
๐Ÿ“ 1430 360th Ave
๐Ÿ“ž (548) 144-9179

Homer Ryan from Jacksonville, FL

Age 77 b. Oct 1948 Duval Co.
๐Ÿ“ 11736 Seaward Ct
๐Ÿ“ž (904) 642-1508

Homer Ryan from Daytona Beach, FL

0000 Male
๐Ÿ“ 131 Zaharias Cir
๐Ÿ“ž (386) 274-4319

Homer Ryan from Homosassa, FL

Age 79 b. Oct 1946 Citrus Co.
๐Ÿ“ 10255 W Blue Springs Ct

Homer Ryan from Burkburnett, TX

Age 81 b. Nov 1944 Wichita Co.
๐Ÿ“ 2112 S Red River Ex

Homer Ryan from Hollywood, FL

0
๐Ÿ“ 1912 Jefferson St, Hollywood, FL 33020

Homer Ryan from Frederick, OK

Tillman Co.
๐Ÿ“ 1420 N 11th St
๐Ÿ“ž (580) 335-2222

Homer Ryan from Brooklyn, IA

Poweshiek Co.
๐Ÿ“ Rr 1
๐Ÿ“ž (516) 437-9817

Homer Ryan from Johnstown, CO

Age 80 b. 1946 Male
๐Ÿ“ 4430 Ronald Reagan Blvd Apt 2119

Homer Ryan from Frederick, OK

Tillman Co.
๐Ÿ“ 21734 County Rd 184

Homer Ryan from Killeen, TX

Bell Co.
๐Ÿ“ 1409 Bundrant Dr

Homer Ryan from Daytona Beach, FL

Volusia Co.
๐Ÿ“ 215 Desoto St

Homer Ryan from Orlando, FL

Orange Co.
๐Ÿ“ 4927 Fayann St

Homer Ryan from Fort Bragg, NC

Cumberland Co.
๐Ÿ“ 503 Mp Bn Hhd

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 22 contact records for Homer Ryan across 8 states. The most recent address on file is in Detroit, Michigan. Of these records, 13 include phone numbers and 4 include email addresses. Ages range from 75 to 85, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Ryan Homer C & Barbara J

Citrus County
PIN: 19E18S180110 00430 0040
· 00481 W Liberty St, Hernando 34442
Value: $199,370

Ryan Homer W

Volusia County
· 131 Zaharias Cir, Central-Volusia 32124.0
Built: 2002.0
Assessed: $257,382

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

Homer Ryan

Alapaha, 31622
DOB: 1/1/1954 Gender: Male
Congress: 008

Homer William Ryan

131 Zaharias CIR, Daytona Beach, , 32124

Homer L Ryan

Republican
Precinct: 710001

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 3 voter registration records were found for Homer Ryan in . Party affiliation is listed as REP. 1 registration is currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2013 GMC Sierra 1500
ยท Registered to: Homer Ryan
ยท VIN: 3GTP2XE21DG321879
·
525 E Josephine Ave, Frederick, OK, 73542
·
(580) 335-5019
2009 GMC CANYON
ยท Registered to: Homer Ryan
ยท VIN: 1GTCS139298121585
·
525 E Josephine Ave, Frederick, OK, 73542-2224
·
(580) 335-3019
2011 GMC SIERRA 1500
ยท Registered to: Homer Ryan
ยท VIN: 3GTP2WE31BG233852
·
PO Box 607, Frederick, OK, 73542-0607
·
(580) 335-3019
2008 GMC SIERRA PICKUP
ยท Registered to: Homer Ryan
ยท VIN: 1GTEK14JX8Z288805
·
525 E Josephine Ave, Frederick, OK, 73542
·
(580) 335-3019
ยท Registered to: Homer Ryan
·
112 Zaharias Cir, Daytona Beach, FL, 32124

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 5 vehicle registration records are associated with Homer Ryan. Registered makes include Gmc, N. 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.

L & R Farms Inc

President
(580) 335-5100
Frederick, OK
Agricultural Production - Animal and Livestock Specialties (Agriculture)

Southwestern Oklahoma State University

Homer RyanTrustee
Weatherford, OK

Homer Ryan

Frederick, Oklahoma, United States

Homer Ryan

United States

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 6 business affiliations were found for Homer Ryan. Companies include L & R Farms Inc. Roles listed include Trustee. Records are compiled from state business registries, SEC filings, and professional networking databases.

L & R Farms, INC.

Addr: Frederick, OK
OK
Incorporator: Homer Ryan

Unknown Corporation

ID: 3512177579
Addr: 525 E Josephine, Frederick, OK, 73542
OK
Agent: Homer L Ryan
Registered Agent: Homer Ryan

Unknown Corporation

Addr: Frederick, OK
OK
Incorporator: homer L ryan

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

Homer Ryan

Mainland High School - Daytona Beach, FL, FL
1966

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Homer Ryan 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 Mar 18, 2006
2006 R
Armes, Don Lee (committee 2)
Ryan, Homer Frederick, OK
$250 May 11, 2009
2010 REP
Lucas, Frank D
Ryan, Homer Farmer @ Self Frederick, OK
$500 Sep 13, 2013
2014 REP
Howard, Gregory Scott
Ryan, Homer L Self Employed Frederick, OK
$250 Oct 22, 2002
2002 REP
Armes, Don
Ryan, Homer Farmer Frederick, OK
$250 May 6, 2011
2012 REP
Inhofe, James M
Ryan, Homer Farmer @ Self Frederick, OK
$500 Sep 29, 2016
2016 REP
Cole, Tom Jeffrey
Ryan, Homer L Rancher @ Self Frederick, OK
$500 Apr 16, 1999
2000 DEM
Okla House Pac
Ryan, Homer Implement Dealer @ Self Frederick, OK
$250 Sep 2, 2004
2004 DEM
Carson, Brad R
Ryan, Homer L Implement Dealer Frederick, OK
$250 Oct 17, 2003
2004 REP
Armes, Don
Ryan, Homer Farming Frederick, OK
$250 Sep 8, 2014
2014 REP
Lucas, Frank D
Ryan, Homer L Farmer Rancher @ Self Frederick, OK
$150 May 12, 2000
2000 REP
Kravitz, Dick
Ryan, Homer Whole Sale Buyer Jacksonville, FL
$250 Oct 14, 2007
2008 REP
Armes, Don (committee 1)
Ryan, Homer Farmer Rancher @ Self Frederick, OK
$250 Mar 31, 2006
2006 D
Ivester, Thomas
Ryan, Homer Frederick, OK
$500 Jun 27, 2003
2004 DEM
Gephardt, Richard A
Ryan, Homer W Physician @ Self Employed Detroit, MI
$500 Jul 28, 2008
2008 DEM
Hunter, Dianne
Ryan, Homer Farmer @ Self Frederick, OK
$200 Jun 18, 2007
2008
Health Pac Mi Health And Hospital
Ryan, Homer Physician @ Sinai Grace Hospital Detroit, MI
$150 Jul 31, 2008
2008 DEM
Womack, Jimmy
Ryan, Homer W Medical Doctor @ Grace Neonatologists P C Detroit, MI
$250 Oct 31, 2012
2012 REP
Inhofe, James M
Ryan, Homer Farmer @ Self Frederick, OK
$250 Mar 12, 2002
2002 DEM
Capps, Gilmer Neely
Ryan, Homer Farmer @ Self Frederick, OK
$250 Mar 19, 2007
2008
Quigley, Steven A
Ryan, Homer Bourbanais, IL
$100 Apr 11, 2015
2016 REP
Palzer, Thomas Edward
Ryan, Homer George Jr Owner @ George Ryan, Jr Insurance Agency St Anne, IL
$250 Oct 4, 2010
2010 DEM
Womack, Jimmy
Ryan, Homer W Medical Doctor @ Grace Neonatologists P C Detroit, MI
$250 May 23, 2013
2014 REP
Inhofe, James M
Ryan, Homer Farmer @ Self Employed Frederick, OK
$250 Apr 19, 2012
2012 REP
Lucas, Frank D
Ryan, Homer L Farmer Rancher @ Self Frederick, OK
$200 Mar 28, 2002
2002 DEM
Dunegan, James H
Ryan, Homer Farmer @ Self Frederick, OK
$150 Apr 23, 2014
2014 REP
Fallin, Mary Copeland
Ryan, Homer Self Employed Frederick, OK
$200 Oct 27, 1994
1994 DEM
McCurdy, Dave
Ryan, Homer Frederick Implement Co Frederick, OK
$250 Apr 25, 2011
2012 REP
Lucas, Frank D
Ryan, Homer L Farmer Rancher @ Self Frederick, OK
$500 Jun 7, 2008
2008 DEM
Jordan, Rita L
Ryan, Homer Department Chief @ Sinai-Grace Hospital Detroit, MI
$250 Oct 25, 2012
2012 REP
Barrington, Don
Ryan, Homer Agriculture @ Self Frederick, OK
$100 Oct 8, 2013
2014
Texas And Southwestern Cattle Raisers Association State Pac
Ryan, Homer Rancher Frederick, OK
$250 Dec 18, 2003
2004 REP
Humphreys, Kirk
Ryan, Homer L Rancher @ Farmer Frederick, OK
$250 Jul 8, 2014
2014 REP
Fallin, Mary Copeland
Ryan, Homer Self Employed Frederick, OK
$500 Jun 8, 2007
2008 REP
Bukowski, Timothy F
Ryan, Homer Bourbonnais, IL
$250 Sep 22, 2011
2012 REP
Lucas, Frank D
Ryan, Homer L Farmer Rancher @ Self Frederick, OK
$300 Jul 16, 2012
2012
Roi Pac
Ryan, Homer Self Employed Fredrick, OK
$250 May 11, 2012
2012 REP
Inhofe, James M
Ryan, Homer Farmer @ Self Frederick, OK
$150 May 12, 2000
REP
Kravitz, Dick
Contributor Whole Sale Buyer Jacksonville, FL
$500 Jun 27, 2003
Unknown Committee
Ryan, Homer W Dr Physician @ Self employed Detroit, MI
$500
2008 D
Jordan, Rita L
Contributor Department Chief @ Sinai-Grace Hospital Detroit, MI

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 40 political contribution records found for Homer Ryan. Total disclosed contributions amount to $11,450. Recipients include Kravitz, Dick, Jordan, Rita L. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Homer Ryan

Male
·
441 Sunland Dr, Saint George, UT 84790 (Washington County)
37.0871, -113.5730
TZ: Mountain
Multi-Family
MP

Homer L Ryan

Age 63 Male
·
PO Box 177, Alapaha, GA 31622 (Berrien County)
31.3839, -83.2250
· (912) 895-0098
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1971
MP

Homer W Ryan

Age 68 Male
·
675 Pallister St, Detroit, MI 48202 (Wayne County)
42.3710, -83.0810
· (313) 875-8444
Marital: Married TZ: Eastern
Occ: Technical Edu: Graduate School
Homeowner Single Family Built 1909
MP

Homer L Ryan

Age 72 Male
·
525 E Josephine Ave, Frederick, OK 73542 (Tillman County)
34.4034, -99.0119
Marital: Married TZ: Central
Occ: Service Industry Edu: Graduate School
Homeowner Single Family
MP

Homer Ryan

Male
·
131 Zaharias Cir, Daytona Beach, FL 32124 (Volusia County)
29.1984, -81.1073
· (386) 274-4319
TZ: Eastern
Homeowner Single Family Built 2002 Purchased 2002

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 5 demographic profiles associated with Homer Ryan. 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 Homer Ryan. These loans were issued to businesses, not individuals.

Pbet LLC

Limited Liability Company(LLC

$8,900 Paid in Full
Address:
525 E Josephine Ave
Frederick, OK73542-2224
Approved

Apr 13, 2020

Forgiven

$8,975

Jobs Reported

3

Loan #

5146337103

Loan Size

Small

Kay Electric Cooperative, INC.

Non-Profit Organization

$1,039,100 Paid in Full
Address:
PO Box 607
Blackwell, OK74631-0607
Approved

May 20, 2020

Forgiven

$1,044,902

Jobs Reported

47

Loan #

9588107404

Loan Size

Medium-Large

Homer L Ryan

Sole Proprietorship

$6,200 Paid in Full
Address:
525 E Josephine Ave
Frederick, OK73542-2224
Approved

Apr 13, 2020

Forgiven

$27,337

Jobs Reported

2

Loan #

5157367107

Loan Size

Small

L & R Farms, INC.

Corporation

$22,800 Paid in Full
Address:
525 E Josephine Ave
Frederick, OK73542-2224
Approved

Apr 13, 2020

Forgiven

$22,992

Jobs Reported

3

Loan #

5175057101

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 4 PPP loan records are linked to businesses associated with Homer Ryan. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Homer Ryan 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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Homer Ryan in Daytona Beach, FL: Background Summary

Location
131 Zaharias Cir, Daytona Beach Fl, Daytona Beach, FL
Other Locations
Detroit, MI ยท Alapaha, GA ยท Homosassa, FL and 9 more
Profiles Found
22 people with this name
Phone Numbers
(313) 690-7468 and 14 others on file
Email
hwryan@aol.com and 1 other on file
Possible Relatives
Billie Mckinney Ryan
Career
Trustee at L & R Farms Inc
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
5 linked โ€” 2013 Gmc Sierra 1500, 2009 Gmc Canyon and 3 more
Contributions
$11.4K total โ€” Jordan, Rita L, Kravitz, Dick
PPP Loans
$1077K for Pbet LLC, Kay Electric Cooperative, INC.

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 Homer Ryan. Because public records are indexed by name rather than by a unique identifier, the 98 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 Homer Ryan

Search Complexity: High

98 public records across 9states, belonging to approximately 22 different individuals. With 22 distinct profiles across 9 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 9 states. Highest concentration: Oklahoma (13%), followed by Florida and Michigan. Spans the South and Midwest regions.

OK13recordsFL12recordsMI6recordsTX3recordsGA2recordsIA2records

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (43%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (29) and Business & Corporate Filings (6).

40
Political Contribution Records
29
Contact & Address Records
6
Business & Corporate Filings
5
Vehicle Registration Records
4
PPP Loan Records
3
Voter Registration Records

Frequently Asked Questions About Homer Ryan

Is Homer Ryan a registered voter?
Yes, voter registration records show Homer Ryan is registered. We found 3 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Homer Ryan own property?
County assessor records show 2 properties associated with Homer Ryan . 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 Homer Ryan?
Records show 5 vehicle registrations associated with Homer Ryan, including a 2013 GMC Sierra 1500. Registered makes include Gmc, N. 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 Homer Ryan?
We found 6 business affiliations for Homer Ryan, including L & R Farms Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Homer Ryan made political donations?
FEC disclosure records show 40 reported political contributions from Homer Ryan, totaling $11,450. Recipients include Kravitz, Dick and Jordan, Rita L. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Homer Ryan?
Our database contains 98 total records for Homer Ryan spanning 9 states. This includes 22 distinct contact records, 13 with phone numbers, 4 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 Homer Ryan?
The 98 records displayed for Homer Ryan 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 Homer Ryan 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.