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Jack Hallberg from El Paso, TX

Age 57
📍 11132 Paducah Ave, El Paso, TX 79936
📞 (915) 594-0136, (915) 594-0136
👨‍👩‍👧 Relatives: Lance Michael Hallberg,Julie Celeste Hallberg,Jerry Jack Hallberg,Jeri Hallberg Harmon,Celeste Hallberg Julie,Edith Ellen Hallberg,Adam Ryan Hallberg,Jacob Thomas Hallberg,Mary Tamez Hallberg
🏪 Carpet Systems Of Texas Inc, L J J Enterprises Inc, L J J Enterprises, Inc, Carpet Systems Of Texas, Inc

Jack Hallberg from Minneapolis, MN

Age 66 b. Jun 1959 Hennepin Co.
📍 1425 Russell Ave N
📞 (612) 522-7018, (612) 227-5493

Jack Hallberg from Minneapolis, MN

Age 80 b. Aug 1945
📍 14390 4th Ave N
📞 (612) 221-4751, (910) 240-3388
👤 aka John Roger Hallberg

Jack Hallberg from Hendersonville, NC

Age 95 b. Nov 1930 Henderson Co.
📍 185 Timber Creek Rd
📞 (828) 698-3585

Jack Hallberg from Las Vegas, NV

Age 62 b. May 1963
📍 4795 Canna Dr
📞 (702) 547-1453
👤 aka John Lee Hallberg

Jack Hallberg from El Paso, TX

Age 68 b. Jul 1957 El Paso Co.
📍 11132 Paducah Ave
📞 (915) 594-0136

Jack Hallberg from Fallon, NV

Age 76 b. Jan 1950 Churchill Co.
📍 4625 Reno Hwy
📞 (775) 428-2269

Jack Hallberg from Provincetown, MA

0
📍 348 Commercial St, Provincetown, MA 02657
📞 (508) 487-6523

Jack Hallberg from Western Springs, IL

Age 84
📍 3947 Franklin Ave, Western Springs, IL 60558
📞 (914) 834-4362
👨‍👩‍👧 Relatives: Berit R Hallberg

Jack Hallberg from Beecher, IL

Age 86 b. Apr 1939 Will Co.
📍 10 Finch Ln
📞 (708) 946-3214

Jack Hallberg from Rockford, IL

Age 85 b. Sep 1940
📍 2142 Wentworth Ave
📞 (815) 399-4822
👤 aka John L Hallberg, Jackie L Hallberg, Jacqueline L Hallberg

Jack Hallberg from Las Vegas, NV

Age 63 b. 1963 Male
📍 5972 Annmillie Ave
📞 (702) 547-1453

Jack Hallberg from Florissant, MO

Age 95 b. Jul 1930 Saint Louis Co.
📍 2884 Santiago Dr H

Jack Hallberg from Dolton, IL

Age 86 b. Apr 1939 Cook Co.
📍 14720 Shephard

Jack Hallberg from Provincetown, MA

Age 105 b. Jul 1920
📍 348a Commercial St Apt 6

Jack Hallberg from Las Vegas, NV

Age 62 b. May 1963 Clark Co.
📍 4173 Toronto Cir
👤 aka Jack Lee Hallberg

Jack Hallberg from Provincetown, MA

0
📍 997 Po Box, Provincetown, MA 02657

Jack Hallberg from Everson, WA

Whatcom Co.
📍 2003 E Pole Rd
📞 (360) 966-2520

Jack Hallberg from Hendersonville, NC

📍 1040 Carolina Village Rd
📞 (828) 698-3585

Jack Hallberg from El Paso, TX

Jun 1905
📍 El Paso, TX, 79925

Jack Hallberg from Phoenix, AZ

Age 70 b. Sep 1955
📍 Phoenix, AZ, 85022

Jack Hallberg from Bakersfield, CA

Kern Co.
📍 504 Decatur St

Jack Hallberg from Flushing, NY

Queens Co.
📍 4320 189th St

Jack Hallberg from Daytona Beach, FL

Volusia Co.
📍 1398 N Atlantic Ave

Jack Hallberg from Northfield, MN

Rice Co.
📍 207 Division St S

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 25 contact records for Jack Hallberg across 12 states. The most recent address on file is in Minneapolis, Minnesota. Of these records, 14 include phone numbers. Ages range from 57 to 84, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Hallberg Jack T & Edie E

El-paso County
· 11132 Paducah, El-Paso Tx

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 1 property record linked to Jack Hallberg in El-Paso. Values shown are from county assessor records and may differ from current market prices.

jack WALTER hallberg

Unaffiliated Reg: 06/04/1986
Removed
DOB: 1930 Gender: Male
County: Henderson

Jack Lee Hallberg

4795 Canna Dr, Las Vegas, NV, 89122
County: Clark

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Jack Hallberg in Nevada. Party affiliation is listed as UNA. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2008 LEXUS IS 250
· Registered to: Jack Hallberg
· VIN: JTHCK262985022166
·
14390 4th Ave N, Minneapolis, MN, 55447-4449
·
(763) 249-9696
2008 HYUNDAI ACCENT CAR ENTRY LEVEL
· Registered to: Jack Hallberg
· VIN: KMHCM36C28U074573
·
4173 Toronto Cir, Las Vegas, NV, 89121
·
(702) 547-1453
1991 MAZDA PROTEGE CAR BASIC ECONOMY
· Registered to: Jack Hallberg
· VIN: JM1BG2246M0244564
·
14390 4th Ave N, Minneapolis, MN, 55447
·
(763) 249-9696
2006 Cadillac Cts
· Registered to: Jack Hallberg
· VIN: 1G6DM57T860104735
·
2142 Wentworth Ave, Rockford, IL, 61108
2005 Chevrolet Trailblazer
· Registered to: Jack Hallberg
· VIN: 1GNDT13S952244048
·
14390 4Th Ave N, Minneapolis, MN, 55447
2018 HYUNDAI ELANTRA GT
· Registered to: Jack Hallberg
· VIN: KMHH35LE3JU025477
·
11132 Paducah Ave, El Paso, TX, 79936
2013 Hyundai Accent
· Registered to: Jack Hallberg
· VIN: KMHCT5AEXDU076329
·
11132 Paducah Ave, El Paso, TX, 79936
·
(915) 493-1018
1997 FORD F150 PICKUP
· Registered to: Jack Hallberg
· VIN: 2FTDF1721VCA97318
·
11132 Paducah Ave, El Paso, TX, 79936
·
(915) 626-5686
2002 CHEVROLET MALIBU 4DR SEDAN
· Registered to: Jack Hallberg
· VIN: 1G1ND52JX2M695783
·
11132 Paducah Ave, El Paso, TX, 79936
·
(915) 626-5686

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 9 vehicle registration records are associated with Jack Hallberg. Registered makes include Lexus, Hyundai, Mazda, Cadillac and others. The most recent model year on record is 2018. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Allstate Insurance

Manager
(773) 233-8866YOURAGENT47110@AOL.COM
Chicago, IL
Insurance Brokers, Agents and Services (Insurance)

Allstate

Principal
(773) 233-8866
Chicago, IL
Insurance Brokers, Agents and Services (Insurance)

Jack Hallberg

Jack Hallberg
jackandtheboxes@aol.com
Saint Charles, 60174IL

Cantrell Homes Inc

Jack Hallberg
(630) 377-2357jhallb7448@aol.com
Elburn, IL60119

Tri City Sheet Metal, Inc.

Jack Hallberg
jack@tricitysheetmetal.com
Carol Stream, 60132IL

Pediatric Oncology Treasure Chest

Jack HallbergTrustee
Orland Park, IL

Allstate Insurance CO

Jack HallbergOwner
COOKj.hallberg@allstate.com
9965 W 151st St, Orland Park, IL60462

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 7 business affiliations were found for Jack Hallberg. Companies include Allstate Insurance, Allstate, Jack Hallberg and 3 more. Roles listed include Trustee and Owner. Records are compiled from state business registries, SEC filings, and professional networking databases.

Sand Mountain Motors LLC

Addr: 1995 West Williams Ave, Fallon, NV, 89406
NV
Officer: Jack Hallberg

Sand Mountain Motors LLC

Addr: 1625 West Williams Ave, Fallon, NV, 89406
NV
Officer: Jack Hallberg

Hawken Components LLC

Addr: 1995 West Williams Ave, Fallon, NV, 89406
NV
Mmember: Jack Hallberg

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

Inventor Record

Jack Hallberg - TX

Source: USPTO Patent Database · U.S. Patent & Trademark Office Jack Hallberg 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.

Jack Hallberg

Arcadia High School - Arcadia, CA, CA
1968

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Jack Hallberg 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.

$30 Feb 29, 2016
2016 DEM
Sanders, Bernard
Hallberg, Jack Teacher @ Csn Las Vegas, NV
$27 May 10, 2017
2018 DEM
Fisher, Jason E
Hallberg, Jack Teacher @ Csn Las Vegas, NV
$5 Jul 11, 2020
2020 DEM
Biden, Joe
Hallberg, Jack Not Employed El Paso, TX
$27 Jan 25, 2017
2018
Justice Democrats
Hallberg, Jack Teacher @ Csn Las Vegas, NV
$50 Feb 19, 2019
2020 DEM
Sanders, Bernard
Hallberg, Jack Teacher @ Csn Las Vegas, NV
$27 Nov 5, 2017
2018 12
Alison Hartson 2018
Hallberg, Jack Teacher @ Csn Las Vegas, NV
$50 Dec 14, 2019
2020 DEM
Sanders, Bernard
Hallberg, Jack Teacher @ Csn Las Vegas, NV
$30 Feb 29, 2016
DEM
Sanders, Bernard
Contributor Teacher @ Csn Las Vegas, NV
$10 Oct 15, 2024
Unknown Committee
Hallberg, Jack Not Employed El Paso, TX
$4 20220720
ActBlue Texas
Contributor Retired Till Im Not @ Attempt To Assist Others In Positive Societal Changes El Paso, TX

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 10 political contribution records found for Jack Hallberg. Total disclosed contributions amount to $260. Recipients include Sanders, Bernard, ActBlue Texas. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Jack W Hallberg

Age 86 Male
·
1040 Carolina Village Rd, Hendersonvlle, NC 28792 (Henderson County)
35.3447, -82.4507
Marital: Married TZ: Eastern
Occ: Professional Edu: Some College
Single Family
MP

Jack R Hallberg

Age 72 Male
·
5740 Irving Ave N, Minneapolis, MN 55430 (Hennepin County)
45.0593, -93.3001
Marital: Single TZ: Central
Edu: Some College
Single Family
MP

Jack T Hallberg

Age 60 Male
·
11132 Paducah Ave, El Paso, TX 79936 (El Paso County)
31.7932, -106.3110
· (915) 493-1018
TZ: Mountain
Homeowner Single Family Built 1983 Purchased 1983
MP

Jack R Hallberg

Age 72 Male
·
14390 4th Ave N, Minneapolis, MN 55447 (Hennepin County)
44.9839, -93.4624
· (612) 221-4751
Marital: Married TZ: Central
Occ: White Collar
Homeowner Single Family Built 1990 Purchased 1999
MP

Jack D Hallberg

Age 67 Male
·
4625 Reno Hwy, Fallon, NV 89406 (Churchill County)
39.4853, -118.8490
Marital: Married TZ: Pacific
Edu: High School
Homeowner Single Family Built 1939 Purchased 2000
MP

Jack L Hallberg

Age 54 Male
·
4795 Canna Dr, Las Vegas, NV 89122 (Clark County)
36.1017, -115.0380
· (702) 547-1453
Marital: Single TZ: Pacific
Edu: High School
Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 6 demographic profiles associated with Jack Hallberg. 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 Jack Hallberg. These loans were issued to businesses, not individuals.

Shakilah Jernigan

Sole Proprietorship

$11,875 Paid in Full
Address:
5280 W Hacienda Ave
Las Vegas, NV89118-0306
Approved

May 1, 2021

Forgiven

$11,916

Jobs Reported

1

Loan #

6254278902

Loan Size

Small

Laporsha Strain

Sole Proprietorship

$20,833 Paid in Full
Address:
5280 W Hacienda Ave Apt 1011
Las Vegas, NV89118-0307
Approved

May 18, 2021

Forgiven

$21,103

Jobs Reported

1

Loan #

3119129010

Loan Size

Small

Meagan Soberanis

Sole Proprietorship

$16,615 Paid in Full
Address:
5280 W Hacienda Ave
Las Vegas, NV89118-0306
Approved

Apr 7, 2021

Forgiven

$16,688

Jobs Reported

1

Loan #

8678538704

Loan Size

Small

Mario Triana Herrera

Sole Proprietorship

$20,750 Paid in Full
Address:
5280 W Hacienda Ave
Las Vegas, NV89118-0304
Approved

Apr 23, 2021

Forgiven

$20,810

Jobs Reported

1

Loan #

9010768806

Loan Size

Small

Antoinette Ridley

Sole Proprietorship

$20,117 Exemption 4
Address:
5280 W Hacienda Ave
Las Vegas, NV89118-0306
Approved

Feb 19, 2021

Jobs Reported

1

Loan #

1649328503

Loan Size

Small

Harvey Gardner

Sole Proprietorship

$3,125 Paid in Full
Address:
5280 W Hacienda Ave Apt 2026
Las Vegas, NV89118-0309
Approved

Mar 26, 2021

Forgiven

$3,137

Jobs Reported

1

Loan #

9830608603

Loan Size

Small

Darian Fields

Sole Proprietorship

$19,791 Paid in Full
Address:
5280 W Hacienda Ave Apt 1041
Las Vegas, NV89118-0308
Approved

Apr 4, 2021

Forgiven

$19,834

Jobs Reported

1

Loan #

6523278705

Loan Size

Small

Run Nation

Limited Liability Company(LLC

$41,400 Exemption 4
Address:
5280 W Hacienda Ave #221
Las Vegas, NV89118
Approved

May 11, 2020

Jobs Reported

8

Loan #

5020937405

Loan Size

Small

Mary McGhee

Sole Proprietorship

$20,832 Paid in Full
Address:
5280 W Hacienda Ave
Las Vegas, NV89118-0306
Approved

Apr 29, 2021

Forgiven

$20,924

Jobs Reported

1

Loan #

4561008903

Loan Size

Small

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

Jack Hallberg

Scratch Tickets
$1,000
Prize Won
·El Paso, TX (El Paso County)
Claimed: 2025-02-20T00:00:00.000

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 Jack Hallberg on the map

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Found 62 results across 12 states

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Jack Hallberg in Minneapolis, MN: Background Summary

Location
1425 Russell Ave N, Minneapolis, MN 55411
Other Locations
Hendersonville, NC · Las Vegas, NV · El Paso, TX and 12 more
Profiles Found
25 people with this name
Phone Numbers
(915) 594-0136 and 12 others on file
Possible Relatives
Lance Michael Hallberg, Julie Celeste Hallberg, Jerry Jack Hallberg, Jeri Hallberg Harmon, Celeste Hallberg Julie and 5 more
Career
Trustee, Owner at Allstate Insurance, Allstate
Voter Registration
Registered No Party Preference
Properties
1property owned
Vehicles
9 linked — 2008 Lexus Is 250, 2008 Hyundai Accent and 7 more
Contributions
$260 total — Sanders, Bernard, ActBlue Texas
PPP Loans
$175K for Shakilah Jernigan, Laporsha Strain

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 Jack Hallberg. Because public records are indexed by name rather than by a unique identifier, the 85 results displayed here may include information belonging to multiple individuals who share the same name — 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.

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 — 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 Jack Hallberg

Search Complexity: High

85 public records across 12states, belonging to approximately 25 different individuals. With 25 distinct profiles across 12 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 12 states. Highest concentration: Nevada (16%), followed by Minnesota and Illinois. Spans the Midwest and West regions.

NV14recordsMN11recordsIL10recordsTX10recordsMA6recordsNC4records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (45%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (10) and Vehicle Registration Records (9).

35
Contact & Address Records
10
Political Contribution Records
9
Vehicle Registration Records
9
PPP Loan Records
7
Business & Corporate Filings
3
Corporate Records

Age Distribution

Age range: approximately 64 years, suggesting multiple generations. Largest group: Senior (65+) (85%).

Senior (65+)11peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Jack Hallberg

Is Jack Hallberg a registered voter?
Yes, voter registration records show Jack Hallberg is registered with UNA affiliation. We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Jack Hallberg own property?
County assessor records show 1 property associated with Jack Hallberg . 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 Jack Hallberg?
Records show 9 vehicle registrations associated with Jack Hallberg, including a 2008 LEXUS IS 250. Registered makes include Lexus, Hyundai, Mazda, Cadillac. 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 Jack Hallberg?
We found 7 business affiliations for Jack Hallberg, including Allstate Insurance. Other companies include Allstate, Jack Hallberg. Business records are compiled from state registries, SEC filings, and professional databases.
Has Jack Hallberg made political donations?
FEC disclosure records show 10 reported political contributions from Jack Hallberg, totaling $260. Recipients include Sanders, Bernard and ActBlue Texas. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Jack Hallberg?
Our database contains 85 total records for Jack Hallberg spanning 12 states. This includes 25 distinct contact records, 14 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 Jack Hallberg?
The 85 records displayed for Jack Hallberg 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 Jack Hallberg 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.