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Ms Janice E Fugate from Ponte Vedra, FL

Age 63 b. 3/9/1963
📍 196 Taylor Ridge Ave, #ponte Vedra, FL 32081-8452
✉️ joyce.fugate@aol.com, moondancers10@yahoo.com, jackfugate@bellsouth.net, joyce.fugate@att.net, jfugate@address.com
👨‍👩‍👧 Relatives: Michael T Marino,Alma Joyce Fugate,Carol H Barnes,Jack M Fugate Jr,Jack M Fugate Sr,James L Fugate Jr,James L Fugate,James Lee Fugate,Joyce E Fugate,Marilyn H Marino,Marlaina L Bitner,Sandra Kay Fugate,Stanislaus J Marino,Allen Wayne Fugate,Amanda N Campbell,Betty E Rissinger,Bobby R Glasgow,Brian C Highley,Carol H Barnes,Cathy R Cox,Charles W Marvin 3rd,Ellen Marino Crabill,Frances V Hall,Frances Fugat Hall,Hal H Stamey,Harold Roland Stamey,Harold H Stamey Jr,Harold H Stamey Sr,Harold H Stamey,Henry H Stamey Jr,Jack Mott Fugate,James Fugate,John P Marino,Karen D Putzke,Linda F Zytowski,Louis N Barnes,Michael Marino,Michael R Stamey,Renee F Dickerson,Reva Jean Stamey,Samantha T Gruver,Sandra Fugate,Swafford M Fugate Jr,William David Bitner,Wilma T Jones,Brian W Putzke,Gina A Marino,Kristina P Marino,Mark S Reich,Robert A Crabill
🕐 15 previous addresses

Janice Fugate

Age 66 b. 1959-08-22
📍 741 4th St, C*key Fl 32625
📞 (352) 538-2405, (352) 543-5855, (352) 543-5555, (352) 538-6671
✉️ JANICE@NORMDFUGATEPA.COM, janice@normdfugatepa.com, janiceafugate@yahoo.com

Janice * Fugate

Age 73 b. 1952-05-01
📍 505 Ne 103rd St Apt 12e, Kansas City Mo
📞 (816) 550-1478, (816) 420-9995, (816) 517-9134
✉️ JBLAIR52@SBCGLOBAL.NET, jblair52@sbcglobal.net

Ms Janice E Fugate from Kansas City, MO

Age 73 b. 5/1/1952
📍 507 Ne Windrose Dr, Apt B, #kansas City, MO 64155-2486
✉️ jblair52@sbcglobal.net
👨‍👩‍👧 Relatives: Gary L Fugate,Brendan M Doty,Crystal S Doty,Daniel N Doty,David Branniga Doty,Georgia M Blair,Jeff G Doty,Jeff Doty,Jeff B Duty,Jennifer Susan Doty,John D Fenner,Marsha L Doty,Patricia A Doty,Phillip J Blair,Richard Ernest Doty,Tabatha Ashley Davis,Tabitha M Paschall,B Fugate,Beverly G Fugate,Brendan Doty,Brett A Davis,Brian P Sartain,Bridget K Doty,Charlene C Paschall,Christina Ann Claypool,Denise L Bottorff,Forrest L Reynolds,Francesca L Leone,Gary Fugate,Jesse M Fugate,John D Doty,Justin E Paschall,Karen L Miles,Kevin L Fugate,Lee W Reynolds Sr,Lou Simcoe,Michael E Fugate,Patricia R Doty,Patrick J Doty,Sally J Fenner,Samuel L Fugate,Tammy J Carson
🕐 15 previous addresses

Ms Janice Kaye Fugate from Rowdy, KY

Age 54
📍 476 Highway, #rowdy, KY 41367
✉️ janice.fugate@msn.com
👨‍👩‍👧 Relatives: Raymond Fugate,Brandi Fugate,Brandi Lacole Fugate,Goldie Amanda Noble,Gwendolyn M Fugate,Janice K Fugate,Kenneth M Fugate,Kenneth M Fugate,Abigail Loraine Fugate,Allison R Fugate,Allison Fugate,Anita D Keister,Anita Noble Jr,Brandon S Fugate,Carmen L Schaal,Chelsea Noble,Cico Noble,Cisco L Noble,Connie S Chandler,Diana Fugate,Doyle G Noble Jr,Doyle G Noble,Gabriel S Chandler,Glenn William Noble,Hazel Hudson,Heather N Walker,Jack Fugate,Jesse N Rossi,Joldie Noble,Joseph Chandler,Keva L Noble,Kristen M Noble,Michael S Noble,Michael D Studer,Monika R Fugate,Raymond Kash Fugate Jr,Richard L Noble,Rossi Hagan Jr,Rossi Hagan,Wanda Noble
🕐 7 previous addresses

Janice Fugate from Metairie, LA

Age 75
📍 2109 Causeway Blvd, Metairie, LA 70001
📞 (504) 828-8695, (504) 469-3402, (985) 651-0935
👨‍👩‍👧 Relatives: Noah A Fugate,Rosario P Fugate,Rosario A Fugate

Janice Fugate from Jacksonville, FL

Age 63 b. Mar 1963 Female
📍 4159 Marianna Rd
📞 (904) 333-4971 (Cell)

Janice Fugate from Dandridge, TN

Age 97 b. Jul 1928 Jefferson Co.
📍 2865 Mountain Ranch Dr
📞 (865) 397-1363

Janice Fugate

📍 164 Harp Innis Rd, Lexington Ky
📞 (859) 519-8028, (111) 111-1112
✉️ JANICEFUGATE@ICLOUD.COM

Janice Fugate from Hazard, KY

Age 46
📍 2137 Po Box, Hazard, KY 41702
📞 (606) 435-0374
👨‍👩‍👧 Relatives: Gregory Randall Fugate

Janice Fugate from Beloit, OH

Age 65 b. Aug 1960
📍 19090 State Route 62
📞 (330) 938-6987
👤 aka Jan Fugate, Janice Warren Fugate

Janice Fugate from Muncie, IN

Age 82 b. 1944 Delaware Co.
📍 5111 W Canterbury Dr
📞 (765) 216-7537

Janice Fugate from Scottsburg, IN

Age 81 b. 1945 Scott Co.
📍 1552 N Boatman Rd
📞 (812) 752-8471

Janice Fugate from Goshen, OH

Age 79 b. Feb 1947 Clermont Co.
📍 6566 Joellen Dr
📞 (513) 625-2090

Janice Fugate from Jacksonville, FL

Age 69 b. 1957 Duval Co.
📍 5876 Lake Lucina Dr S
📞 (904) 745-3726

Janice Fugate from Oakland, OR

Age 77 b. Dec 1948 Douglas Co.
📍 501 Mustang Dr
📞 (541) 459-2175

Janice Fugate from Sebring, OH

Age 65 b. Aug 1960 Mahoning Co.
📍 532 W Oregon Ave
📞 (609) 492-1362

Janice Fugate from Williston, FL

Age 66 b. Aug 1959 Levy Co.
📍 845 Nw 2nd Ave
📞 (352) 528-6661

Janice Fugate

📍 312 E 27th Ave, Kansas City Mo
📞 (816) 550-5049, (816) 550-5049
✉️ JANICEFUGATE@ATT.NET

Janice Fugate

📍 312 27th, North Kansas City Mo 64116
📞 (816) 550-5049, (816) 550-5049
✉️ JANICEFUGATE@ATT.NET

Janice Fugate from Hazard, KY

0
📍 270 Hc 35 Pob, Hazard, KY 41701
👨‍👩‍👧 Relatives: Jamie Fugate

Janice Fugate from Goshen, OH

Female
📍 6716 State Route 132
📞 (513) 382-8061 (CINCINNATI BELL)

Janice Fugate from Christiansburg, VA

Age 61 b. 1965 Montgomery Co.
📍 Po Box 551

Janice Fugate from St Petersburg, FL

Age 104 b. May 1921 Pinellas Co.
📍 6670 25th St N

Janice Fugate from Saint Petersburg, FL

Age 97 b. Jul 1928 Pinellas Co.
📍 370 53rd Ave N 295
👤 aka Janice Fugate

Janice Fugate from Lexington, KY

Age 67 b. 1959 Fayette Co.
📍 164 Harp Innis Rd

Janice Fugate from Bonnyman, KY

0
📍 301 Po Box, Bonnyman, KY 41719

Janice Fugate from Bonnyman, KY

0
📍 221 Po Box, Bonnyman, KY 41719

Janice Fugate from Hanover, IN

Jefferson Co.
📍 355 Graystone Dr
📞 (812) 866-6315

Janice Fugate from Vanceburg, KY

Lewis Co.
📍 382 Route
📞 (550) 888-1957

Janice Fugate from La Place, LA

St John The Baptist Co.
📍 2308 Cambridge Dr

Janice Fugate from Rushville, IN

Rush Co.
📍 706 N Morgan St Unit 3

Janice Fugate from Amelia, OH

Clermont Co.
📍 1408 Dale Rd B

Janice Fugate from Logansport, IN

Cass Co.
📍 1727 E Broadway

Janice Fugate from Wheelersburg, OH

Scioto Co.
📍 144 Central Ave

Janice Fugate from Oakland, OR

Douglas Co.
📍 Pob 815 815

Janice Fugate from Rowdy, KY

Perry Co.
📍 21530 Key Hy 476

Janice Fugate from Dayton, OH

Montgomery Co.
📍 234 Fillmore St

Janice Fugate from Hazard, KY

Perry Co.
📍 Rr 3 Po Box 841

Janice Fugate from Crothersville, IN

Jackson Co.
📍 407 W Howard St

Janice Fugate

📍 1 Wheelersburg Oh Po Box 169

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 41 contact records for Janice Fugate across 9 states. The most recent address on file is in Jacksonville, Florida. Of these records, 23 include phone numbers and 8 include email addresses. Ages range from 46 to 75, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Fugate Janice

Montgomery County
PIN: R72 01209 0092
· 61 Ringgold St, DAYTON oh
Built: 1905.0
Assessed: $13,250

Fugate Janice

Montgomery County
· 61 Ringgold St, OH
Built: 1905.0
Assessed: $13,250

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

Janice A Fugate

845 NW 2nd Ave, Williston, , 32696

Janice Faye Fugate

Democrat Reg: 10/16/2012
509 Mustang Dr, Oakland, OR, 97462
DOB: 1/1/1948 Ph: (541)459-2175
County: Douglas

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Janice Fugate in , Oregon. Party affiliation is listed as DEM. 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.

2004 VOLVO S60
· Registered to: Janice Fugate
· VIN: YV1RS61T742352090
·
PO Box 98, Williston, FL, 32696
·
(352) 528-6661
1991 OLDSMOBILE 98
· Registered to: Janice Fugate
· VIN: 1G3CW53L6M4316757
·
164 Harp Innis Rd, Lexington, KY, 40511
2007 SATURN ION
· Registered to: Janice Fugate
· VIN: 1G8AJ55F87Z179352
·
PO Box 174, Friendship, TN, 38034-0174
2008 FORD MUSTANG
· Registered to: Janice Fugate
· VIN: 1ZVHT84N285209136
·
19090 State Route 62, Beloit, OH, 44609-9523
2004 Chevrolet Suburban
· Registered to: Janice Fugate
· VIN: 3GNEC16ZX4G107011
·
Po Box 98, Williston, FL, 32696
·
(352) 538-2405

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 5 vehicle registration records are associated with Janice Fugate. Registered makes include Volvo, Oldsmobile, Saturn, Ford and others. The most recent model year on record is 2008. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Janice Fugate

Napier High School - Hazard, KY, KY
1983

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Janice Fugate 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.

$1 Oct 4, 2013
2014
Florida Farm Pac
Fugate, Janice Williston, FL
$1 Oct 4, 2013
Florida Farm Pac
Contributor Williston, FL
$1
2014
Florida Farm Pac
Contributor Williston, FL

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 3 political contribution records found for Janice Fugate. Total disclosed contributions amount to $3. Recipients include Florida Farm Pac. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Janice C Fugate

Age 74 Female
·
646 Hickory Dr, Hanover, IN 47243 (Jefferson County)
38.7179, -85.4814
Marital: Single TZ: Eastern
Occ: Healthcare Edu: Some College
MP

Janice E Fugate

Age 54 Female
·
4159 Marianna Rd, Jacksonville, FL 32217 (Duval County)
30.2397, -81.6114
· (904) 333-4971
Marital: Inferred Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family
MP

Janice M Fugate

Age 56 Female
·
PO Box 174, Friendship, TN 38034 (Crockett County)
35.9101, -89.2446
· (731) 677-2980
Marital: Married TZ: Central
Occ: Professional Edu: Vocational/Technical
Homeowner Single Family
MP

Janice Fugate

Female
·
4151 Upper Second Creek Rd, Hazard, KY 41701 (Perry County)
37.2743, -83.1730
· (606) 435-0654
TZ: Eastern
Single Family
MP

Janice Fugate

Age 65 Female
·
507 NE Windrose Dr, Kansas City, MO 64155 (Clay County)
39.2594, -94.5740
TZ: Central
Multi-Family
MP

Janice Fugate

Age 72 Female
·
3703 N Chadam Ln, Muncie, IN 47304 (Delaware County)
40.2212, -85.4309
Marital: Single TZ: Eastern
Occ: Service Industry Edu: High School
Multi-Family
MP

Janice L Fugate

Age 49 Female
·
PO Box 2137, Hazard, KY 41702 (Perry County)
37.2481, -83.1961
Marital: Married TZ: Eastern
MP

Janice Fugate

Female
·
1020 Frames Branch Rd, Clay City, KY 40312 (Powell County)
37.8101, -83.9358
TZ: Eastern
Homeowner Single Family
MP

Janice Fugate

Age 53 Female
·
21530 Ky Highway 476, Rowdy, KY 41367 (Perry County)
37.3916, -83.2170
· (606) 439-0033
TZ: Eastern
Single Family
MP

Janice S Fugate

Age 69 Female
·
164 Harp Innis Rd, Lexington, KY 40511 (Fayette County)
38.1453, -84.3644
Marital: Single TZ: Eastern
Edu: High School
Homeowner Single Family
MP

Janice Fugate

Age 58 Female
·
845 NW 2nd Ave, Williston, FL 32696 (Levy County)
29.3889, -82.4581
· (352) 528-6661
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1965 Purchased 2000
MP

Janice K Fugate

Age 57 Female
·
19090 State Route 62, Beloit, OH 44609 (Mahoning County)
40.9014, -81.0168
· (330) 206-6796
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family
MP

Janice Fugate

Female
·
320 Old County Rd, Quincy, KY 41166 (Lewis County)
38.6259, -83.1283
· (606) 757-2162
Marital: Married TZ: Eastern
Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 13 demographic profiles associated with Janice Fugate. 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 Janice Fugate. These loans were issued to businesses, not individuals.

Dazzling Harris

$18,230 Paid in Full
Address:
234 Fillmore St
Approved

Apr 5, 2021

Forgiven

$18,323

Loan #

6931118702

Loan Size

Small

Maple Tree Acres

Limited Liability Company(LLC

$54,200 Paid in Full
Address:
2865 Mountain Ranch Dr
Dandridge, TN37725-4031
Approved

Apr 30, 2020

Forgiven

$54,846

Jobs Reported

6

Loan #

4911577305

Loan Size

Small

Maple Tree Acres LLC

Limited Liability Company(LLC

$53,782 Exemption 4
Address:
2865 Mountain Ranch Dr
Dandridge, TN37725-4031
Approved

Jan 30, 2021

Jobs Reported

15

Loan #

9245228301

Loan Size

Small

O'Bannon Terrace INC

Non-Profit Organization

$7,800 Paid in Full
Address:
6716 State Route 132
Goshen, OH45122-9216
Approved

Apr 14, 2020

Forgiven

$7,879

Jobs Reported

7

Loan #

5956447103

Loan Size

Small

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

Find Janice Fugate on the map

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Found 75 results across 10 states

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Janice Fugate: Background Summary

Location
741 4th St, C*key Fl 32625
Other Locations
Jacksonville, FL · Dandridge, TN · Beloit, OH and 21 more
Profiles Found
41 people with this name
Phone Numbers
(904) 333-4971 and 26 others on file
Email
joyce.fugate@aol.com and 10 others on file
Possible Relatives
Michael T Marino, Alma Joyce Fugate, Carol H Barnes, Jack M Fugate JR, Jack M Fugate SR and 130 more
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
5 linked — 2004 Volvo S60, 1991 Oldsmobile 98 and 3 more
Contributions
$3 total — Florida Farm Pac, Florida Farm Pac
PPP Loans
$134K for Dazzling Harris, Maple Tree Acres

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 Janice Fugate. Because public records are indexed by name rather than by a unique identifier, the 88 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.

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 Janice Fugate

Search Complexity: High

88 public records across 10states, belonging to approximately 41 different individuals. With 41 distinct profiles across 10 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 10 states. Highest concentration: Kentucky (20%), followed by Florida and Ohio. Spans the South and Midwest regions.

KY18recordsFL15recordsOH13recordsIN9recordsMO5recordsTN4records

Record Type Breakdown

Data spans 6 record categories. Largest: Contact & Address Records (78%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Vehicle Registration Records (5) and PPP Loan Records (4).

58
Contact & Address Records
5
Vehicle Registration Records
4
PPP Loan Records
3
Political Contribution Records
2
Property Ownership Records
2
Voter Registration Records

Age Distribution

Age range: approximately 59 years, suggesting multiple generations. Largest group: Senior (65+) (79%).

Senior (65+)11peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Janice Fugate

Is Janice Fugate a registered voter?
Yes, voter registration records show Janice Fugate is registered in . We found 2 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Janice Fugate own property?
County assessor records show 2 properties associated with Janice Fugate . 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 Janice Fugate?
Records show 5 vehicle registrations associated with Janice Fugate, including a 2004 VOLVO S60. Registered makes include Volvo, Oldsmobile, Saturn, Ford. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
Has Janice Fugate made political donations?
FEC disclosure records show 3 reported political contributions from Janice Fugate, totaling $3. Recipients include Florida Farm Pac. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Janice Fugate?
Our database contains 88 total records for Janice Fugate spanning 10 states. This includes 41 distinct contact records, 23 with phone numbers, 8 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 Janice Fugate?
The 88 records displayed for Janice Fugate 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 Janice Fugate 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.