James Hommerding

Age 70 b. 1955-06-05
๐Ÿ“ 1817 Everest Rd, Keller Tx
๐Ÿ“ž (817) 487-1653, (817) 312-2664
โœ‰๏ธ MNILTXWA@MSN.COM

James Hommerding

1900-01-01
๐Ÿ“ 275 Avenida De La Vereda, Ojai Ca
๐Ÿ“ž (805) 798-3909, (111) 111-0002
โœ‰๏ธ JIMHOM@GMAIL.COM

James A Hommerding from Ojai, CA

Age 83
๐Ÿ“ 275 Avenida De La Vereda, Ojai, CA 93023
๐Ÿ“ž (805) 646-6162, (805) 798-3909, (909) 851-1281

James Hommerding from Saint Cloud, MN

Age 75 b. 1951 Stearns Co.
๐Ÿ“ 24686 21st Ave
๐Ÿ“ž (320) 252-0694

James Hommerding from Sun Prairie, WI

Age 65 b. Apr 1960 Dane Co.
๐Ÿ“ 125 N Thompson Rd
๐Ÿ“ž (608) 843-4866

James Hommerding from Keller, TX

Male
๐Ÿ“ 1631 Pleasant Run
๐Ÿ“ž (817) 975-6060 (VERIZON WIRELESS)

James Hommerding from Saint Cloud, MN

Age 46 b. Jun 1979 Stearns Co.
๐Ÿ“ 24280 Forestview Cir

James Hommerding from Kennewick, WA

Benton Co.
๐Ÿ“ 2808 W 40th Ave
๐Ÿ“ž (509) 586-2312

James Hommerding from Cloud, MN

Stearns Co.
๐Ÿ“ 3 Saint Po Box 3

James Hommerding from Waite Park, MN

Stearns Co.
๐Ÿ“ 40 15th Ave N

James Hommerding from Oak View, CA

Ventura Co.
๐Ÿ“ 229 Apricot St

James Hommerding from Fort Worth, TX

Tarrant Co.
๐Ÿ“ 4920 Glen Springs Trl

James Hommerding from Andover, MN

Anoka Co.
๐Ÿ“ 1403 148th Ave

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 13 contact records for James Hommerding across 5 states. The most recent address on file is in Ojai, California. Of these records, 7 include phone numbers and 2 include email addresses. The listed age is 83. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Hommerding, James

Tarrant County
PIN: 24877-B-23
· 1817 Everest Rd, TX
Built: 2011.0
Assessed: $0

Hommerding James A-Hope S

Ventura County
· 275 Av De La Vereda, Ojai-Mira-Monte Ca
Built: 1979.0

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 2 property records linked to James Hommerding in Ojai-Mira-Monte. Values shown are from county assessor records and may differ from current market prices.

2010 FORD F150
ยท Registered to: James Hommerding
ยท VIN: 1FTFW1EV7AKE80420
·
24280 Forestview Cir, Saint Augusta, MN, 56301
2006 CHEVROLET AVEO
ยท Registered to: James Hommerding
ยท VIN: KL1TD56626B669031
·
24686 21st Ave, Saint Augusta, MN, 56301
·
(320) 252-0694
2012 CHEVROLET CRUZE
ยท Registered to: James Hommerding
ยท VIN: 1G1PC5SH0C7184026
·
275 Avenida De La Vereda, Ojai, CA, 93023-9600
·
(805) 798-3909
1992 MITSUBISHI GALANT 4DR SEDAN
ยท Registered to: James Hommerding
ยท VIN: JA3CR46V9NU064775
·
125 N Thompson Rd, Sun Prairie, WI, 53590
2006 CHEVROLET COLORADO PICKUP
ยท Registered to: James Hommerding
ยท VIN: 1GCCS148968209969
·
24686 21st Ave, Saint Augusta, MN, 56301
·
(320) 252-0694
1990 CHEVROLET BERETTA COUPE
ยท Registered to: James Hommerding
ยท VIN: 1G1LW14T2LY236556
·
125 N Thompson Rd, Sun Prairie, WI, 53590
ยท Registered to: James Hommerding
ยท VIN: 1S422H007R1495531
·
24686 21st Ave, Saint Augusta, MN, 56301
·
(320) 252-0694
2010 Ford F-150
ยท Registered to: James Hommerding
·
24280 Forestview Cir, Saint Augusta, MN, 56301-5862

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 8 vehicle registration records are associated with James Hommerding. Registered makes include Ford, Chevrolet, Mitsubishi. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Floor Coverings International

Director Of Operations
+19526586163james.hommerding@floorcoveringsinternational.com

James Hommerding

General Superintendent
Bnsf Railway
Dallas, Texas, United States Transportation/Trucking/Railroad

James Hommerding

General Superintendent
Bnsf Railway

Halawi;oussama

James HommerdingLawyer
creampuff_mb1@msn.com
1631 Pleasant Run, Keller, TX76248
veterinarianyellowpages.com

James Hommerding

Dallas/Fort Worth Area

Halawi;oussama

James HommerdingLawyer
creampuff_mb1@msn.com
1631 Pleasant Run, Keller, TX76248

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 7 business affiliations were found for James Hommerding. Companies include Bnsf Railway, Halawi;oussama. Roles listed include Director Of Operations and Lawyer. Records are compiled from state business registries, SEC filings, and professional networking databases.

James Hommerding

Real Estate
EXPIRED
License # 475082567
Firm: James Wallace Hommerding
Addr: Mount Prospect, IL 60056

james hommerding

Real Estate
EXPIRED
License # 475082567
Addr: Mount Prospect, IL 60056
County: Cook
Issued: Mar 28, 1982 Exp: Jan 31, 1996

Licensed Professional

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation James Hommerding holds 3 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.

James Hommerding

Tech High School - Saint Cloud, MN, MN
1973

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases James Hommerding 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.

$118 Jul 20, 2010
2010
Bnsf Railway Company Railpac Bnsf Railpac
Hommerding, James Gen Dir Transportation @ Bnsf Railway Co Keller, TX
$132 Mar 19, 2010
2010
Bnsf Railway Company Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf Railway Co Keller, TX
$128 May 20, 2007
2008
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$132 Feb 5, 2010
2010
Bnsf Railway Company Railpac Bnsf Railpac
Hommerding, James Gen Dir Transportation @ Bnsf Railway Co Keller, TX
$128 Sep 20, 2007
2008
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$118 Oct 5, 2010
2010
Bnsf Railway Company Railpac Bnsf Railpac
Hommerding, James Asst Gen Supt Trans @ Bnsf Railway Co Keller, TX
$128 Jul 5, 2007
2008
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Gen Dir Transportation @ Bnsf CORP Keller, TX
$57 Aug 5, 2004
2004
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Gen Dir Transportation @ Bnsf Keller, TX
$132 Jun 20, 2008
2008
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$51 Feb 5, 2004
2004
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$132 May 5, 2008
2008
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$132 May 23, 2008
2008
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$46 Feb 20, 2002
2002
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James R Gen Dir Transportation @ Texas Division Keller, TX
$49 Oct 5, 2003
2004
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$132 Apr 20, 2009
2010
Bnsf Railway Company Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$46 Jul 20, 2001
2002
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Asst Gen Supt Trans @ Transportation North Keller, TX
$132 Oct 5, 2008
2008
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$128 Oct 5, 2007
2008
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Gen Dir Transportation @ Bnsf CORP Keller, TX
$132 Jun 5, 2010
2010
Bnsf Railway Company Railpac Bnsf Railpac
Hommerding, James Gen Dir Transportation @ Bnsf Railway Co Keller, TX
$132 Oct 20, 2008
2008
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Gen Dir Transportation @ Bnsf CORP Keller, TX
$57 Nov 20, 2004
2004
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Gen Dir Transportation @ Bnsf Keller, TX
$118 Sep 5, 2010
2010
Bnsf Railway Company Railpac Bnsf Railpac
Hommerding, James Asst Gen Supt Trans @ Bnsf Railway Co Keller, TX
$57 Oct 5, 2004
2004
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Gen Dir Transportation @ Bnsf Keller, TX
$57 Aug 20, 2004
2004
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf Keller, TX
$46 Nov 20, 2002
2002
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James R Gen Dir Transportation @ Texas Division Keller, TX
$601 Jan 5, 2007
2008
Bnsf Railway Company Railpac
Hommerding, James Gen Dir Transportation @ Bnsf Keller, TX
$51 Mar 5, 2004
2004
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$124 Feb 5, 2007
2008
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Gen Dir Transportation @ Bnsf CORP Keller, TX
$132 Jul 20, 2009
2010
Bnsf Railway Company Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$57 Jun 20, 2004
2004
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$132 Jan 20, 2010
2010
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Gen Dir Transportation @ Bnsf CORP Keller, TX
$57 Aug 20, 2004
2004
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Gen Dir Transportation @ Bnsf Keller, TX
$132 Apr 5, 2010
2010
Bnsf Railway Company Railpac Bnsf Railpac
Hommerding, James Gen Dir Transportation @ Bnsf Railway Co Keller, TX
$118 Sep 20, 2010
2010
Bnsf Railway Company Railpac Bnsf Railpac
Hommerding, James Asst Gen Supt Trans @ Bnsf Railway Co Keller, TX
$57 Jun 20, 2004
2004
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James R Gen Dir Transportation @ Operations Keller, TX
$46 Jul 5, 2001
2002
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Asst Gen Supt Trans @ Transportation North Keller, TX
$51 Feb 20, 2004
2004
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$57 Dec 5, 2004
2004
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf Keller, TX
$132 Mar 20, 2008
2008
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$128 Nov 5, 2007
2008
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$132 Nov 5, 2008
2008
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$49 Mar 20, 2003
2004
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Texas Division Keller, TX
$128 Jul 20, 2007
2008
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$650 Mar 20, 2008
2008
Bnsf Railway Company Railpac
Hommerding, James Gen Dir Transportation @ Bnsf Keller, TX
$49 Oct 20, 2003
2004
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James R Gen Dir Transportation @ Texas Division Keller, TX
$46 Aug 5, 2001
2002
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Asst Gen Supt Trans @ Transportation North Keller, TX
$49 Nov 5, 2003
2004
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James R Gen Dir Transportation @ Texas Division Keller, TX
$132 Jan 20, 2010
2010
Bnsf Railway Company Railpac (bnsf Railpac)
Hommerding, James R Gen Dir Transportation @ Bnsf CORP Keller, TX
$118 Sep 5, 2010
2010
Bnsf Railway Company Railpac (bnsf Railpac)
Hommerding, James R Asst Gen Supt Trans @ Bnsf Railway Co Keller, TX
$132 Nov 5, 2009
2010
Burlington Northern Santa Fe Corporation Railpac
Hommerding, James Gen Dir Transportation @ Bnsf CORP Keller, TX
$49 Oct 20, 2003
Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Contributor Gen Dir Transportation @ Bnsf CORP Keller, TX
$132 20090405
Burlington Northern Santa Fe Corporation RAILPAC
Contributor Gen Dir Transportation @ BNSF Corporation Keller, TX

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 52 political contribution records found for James Hommerding. Total disclosed contributions amount to $6,054. Recipients include Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac), Burlington Northern Santa Fe Corporation RAILPAC. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

James J Hommerding

Age 57 Male
·
125 N Thompson Rd, Sun Prairie, WI 53590 (Dane County)
43.1811, -89.2548
· (608) 843-4866
Marital: Married TZ: Central
Occ: White Collar
Single Family
MP

James J Hommerding

Male
·
24686 21st Ave, Saint Cloud, MN 56301 (Stearns County)
45.4802, -94.1553
· (320) 493-5360
TZ: Central
Homeowner Single Family Built 1977
MP

James Hommerding

Male
·
24280 Forestview Cir, Saint Cloud, MN 56301 (Stearns County)
45.4753, -94.1501
TZ: Central
Homeowner Single Family Built 2006 Purchased 2007

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 3 demographic profiles associated with James Hommerding. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find James Hommerding on the map

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James Hommerding in Keller, TX: Background Summary

Location
1817 Everest Rd, Keller Tx, Keller, TX
Other Locations
Ojai, CA ยท Saint Cloud, MN ยท Sun Prairie, WI and 6 more
Profiles Found
13 people with this name
Phone Numbers
(817) 487-1653 and 8 others on file
Email
mniltxwa@msn.com and 1 other on file
Career
Director Of Operations, Lawyer at Bnsf Railway, Halawi;oussama
Properties
2properties owned
Vehicles
8 linked โ€” 2010 Ford F150, 2006 Chevrolet Aveo and 6 more
Contributions
$6,053.88 total โ€” Burlington Northern Santa Fe Corporation RAILPAC, Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac)
Licenses
2 professional licenses (REAL ESTATE)

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 James Hommerding. Because public records are indexed by name rather than by a unique identifier, the 90 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.

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 James Hommerding

Search Complexity: High

90 public records across 6states, belonging to approximately 13 different individuals. With 13 distinct profiles across 6 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 6 states. Highest concentration: Minnesota (13%), followed by Texas and California. Spans the Midwest and South regions.

MN12recordsTX7recordsCA4recordsIL3recordsWI2recordsWA1record

Record Type Breakdown

Data spans 6 record categories. Largest: Political Contribution Records (60%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (14) and Vehicle Registration Records (8).

52
Political Contribution Records
14
Contact & Address Records
8
Vehicle Registration Records
7
Business & Corporate Filings
3
Professional License Records
2
Property Ownership Records

Age Distribution

Age range: approximately 79 years, suggesting multiple generations. Largest group: Senior (65+) (83%).

Senior (65+)5peopleMiddle-Age (40-64)1person

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

Frequently Asked Questions About James Hommerding

Does James Hommerding own property?
County assessor records show 2 properties associated with James Hommerding . 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 James Hommerding?
Records show 8 vehicle registrations associated with James Hommerding, including a 2010 FORD F150. Registered makes include Ford, Chevrolet, Mitsubishi. 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 James Hommerding?
We found 7 business affiliations for James Hommerding (Director Of Operations). Other companies include HALAWI;OUSSAMA. Business records are compiled from state registries, SEC filings, and professional databases.
Has James Hommerding made political donations?
FEC disclosure records show 52 reported political contributions from James Hommerding, totaling $6,054. Recipients include Burlington Northern Santa Fe Corporation Railpac (bnsf Railpac) and Burlington Northern Santa Fe Corporation RAILPAC. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for James Hommerding?
Our database contains 90 total records for James Hommerding spanning 6 states. This includes 13 distinct contact records, 7 with phone numbers, 2 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 James Hommerding?
The 90 records displayed for James Hommerding 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 James Hommerding 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.