Jeff Jafari

Age 72 b. 1953-08-09
๐Ÿ“ Jeff Jafari, 25981 Terra Bella Ave, Laguna Hills Ca
๐Ÿ“ž (949) 636-1321, (714) 544-3704, (949) 716-0754
โœ‰๏ธ JHJAFARI@GMAIL.COM, jhjafari@gmail.com

Jeff Jafari

๐Ÿ“ 25981 Terra Bella Ave, Laguna Hills Ca 92653
๐Ÿ“ž (949) 636-1321, (949) 716-0754
โœ‰๏ธ JHJAFARI@GMAIL.COM

Jeff Jafari from Rockford, IL

Age 81 b. Dec 1944 Winnebago Co.
๐Ÿ“ 2620 Bordeaux Dr
๐Ÿ“ž (815) 877-1883

Jeff Jafari from Encino, CA

Age 73 b. Aug 1952 Los Angeles Co.
๐Ÿ“ 17200 Burbank Blvd
๐Ÿ“ž (818) 386-0865
๐Ÿ‘ค aka Jeff Ezatollah Jafari, Ezatollah M Jafari

Jeff Jafari from La Jolla, CA

Male
๐Ÿ“ 3245 Via Alicante
๐Ÿ“ž (858) 663-2641 (SPRINT)

Jeff Jafari from Laguna Hills, CA

Age 73 b. 1953 Male
๐Ÿ“ 25981 Terra Bella Ave
๐Ÿ“ž (949) 716-0754

Jeff Jafari from Davenport, IA

Age 81 b. Sep 1944 Scott Co.
๐Ÿ“ 2120 Farnam St

Jeff Jafari from Carlisle, PA

Age 72 b. 1954 Cumberland Co.
๐Ÿ“ 7073 Carlisle Pike Trlr 29

Jeff Jafari from Tustin, CA

Age 72 b. Aug 1953 Orange Co.
๐Ÿ“ 14532 Emerywood Rd

Jeff Jafari from Sherman Oaks, CA

Age 70 b. 1956 Male
๐Ÿ“ 4610 Natick Ave Apt 202

Jeff Jafari from Encino, CA

Los Angeles Co.
๐Ÿ“ 17200 Burbank Bl

Jeff Jafari from Alpharetta, GA

Fulton Co.
๐Ÿ“ 230 Kimball Ridge Ct

Jeff Jafari from Baldwin Park, CA

Los Angeles Co.
๐Ÿ“ 14712 Olive St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 13 contact records for Jeff Jafari across 5 states. The most recent address on file is in Rockford, Illinois. Of these records, 6 include phone numbers and 2 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Jafari Jeff E And

Trousdale County
· Belcher Ln, Hartsville

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 1 property record linked to Jeff Jafari in Hartsville. Values shown are from county assessor records and may differ from current market prices.

Jeff Jafari

Suwanee, 30024
DOB: 1/1/1952 Gender: Male
Congress: 007

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 1 voter registration record was found for Jeff Jafari. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2014 Volkswagen Passat
ยท Registered to: Jeff Jafari
ยท VIN: 1VWAP7A38EC007573
·
721 Canyon Country Cir, Henderson, NV, 89002
·
(801) 699-3591
2014 Nissan Frontier
ยท Registered to: Jeff Jafari
ยท VIN: 1N6AD0ER9EN754411
·
2219 W 43Rd St, Houston, TX, 77018
·
(713) 498-7771

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 2 vehicle registration records are associated with Jeff Jafari. Registered makes include Volkswagen, Nissan. The most recent model year on record is 2014. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Econo Cars

+17136831714econocarsinc@gmail.com
Houston,

Annabelles Restaurant

Owner
(785) 542-3461
Eudora, KS
Eating and Drinking Establishments (Food)

Lafayette Workroom

Principal
(770) 623-0399
Duluth, GA
Apparel, Finished Products from Fabrics & Similar Materials (Products)

Jj Service Inc

Principal
(847) 681-1228
Highwood, IL
Automotive Services, Parking and Repair (Automotive)

Annabelle's Restaurant

Manager
(785) 542-3461
Eudora, KS
Eating and Drinking Establishments (Food)

PRAD Group

Jeff JafariExecutive Vice President
+1.404.979.3300jjafari@pradgroup.com
Atlanta, GA30303-2720

New York Processing Inc

Jeff JafariLoan Officer
(516) 796-0759jjafari@yahoo.com
Millersburg, PA17061

Aib 1

Jeff Jafari
(941) 775-7485aladinmagic@earthlink.net
Naples, 34112FL

Jeff Jafari

President
Design Lines
California

Prad Group Inc

Jeff JafariVice President
FULTONj.jafari@pradgroup.com
10 10th St NW # 100, Atlanta, GA30309

Prad Group Inc

Jeff JafariVice President
(501) 538-3921j.jafari@pradgroup.com
7511 Highway 5 N, Alexander, AR72002
pradgroup.com

Prad Group Inc

Jeff JafariVice President
(501) 538-3921j.jafari@pradgroup.com
7511 Highway 5 N, Alexander, AR72002

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 21 business affiliations were found for Jeff Jafari. Companies include Annabelles Restaurant, Lafayette Workroom, Jj Service Inc and 5 more. Roles listed include Null and Executive Vice President. Records are compiled from state business registries, SEC filings, and professional networking databases.

Jhm Lake Forest Petroleum Corporation

Filed: Nov 12, 2008
Registered Agent: Jeff Jafari

Jeff Jafari

Addr: 5887 Glenridge Drive, suite 300 Atlanta, GA 30328, Atlanta, GA, 30328
GA Fulton County

Source: Public Records Jeff Jafari appears in 2 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$2,000 Jun 12, 2002
2002 DEM
Walker, Charles W
Jafari, Jeff Architect @ Self Marietta, GA
$2,500 Jun 30, 2013
2014
Watson, Aaron
Jafari, Jeff Atlanta, GA
$2,500 Nov 22, 2012
2012 REP
Boyer, Elaine C
Jafari, Jeff Self Employed Alpharetta
$2,500 Nov 22, 2012
REP
Boyer, Elaine C
Contributor Self Employed Alpharetta
$2,500
2014
Watson, Aaron
Contributor Atlanta, GA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 5 political contribution records found for Jeff Jafari. Total disclosed contributions amount to $12,000. Recipients include Boyer, Elaine C, Watson, Aaron. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Jeff L Jafari

Age 66 Male
·
2145 Northwick Pass Way, Alpharetta, GA 30022 (Fulton County)
34.0080, -84.2496
Marital: Married TZ: Eastern
Occ: Technical Edu: Some College
Single Family
MP

Jeff Jafari

Male
·
434 Poinsettia Pl SE, Albuquerque, NM 87123 (Bernalillo County)
35.0618, -106.4930
· (505) 507-6228
Marital: Married TZ: Mountain
Homeowner Single Family Built 1989
MP

Jeff Jafari

Age 64 Male
·
25981 Terra Bella Ave, Laguna Hills, CA 92653 (Orange County)
33.5850, -117.6910
· (949) 716-0754
Marital: Married TZ: Pacific
Occ: White Collar Edu: High School
Homeowner Single Family
MP

Jeff Jafari

Age 73 Male
·
1636 Brentwood Dr, Mundelein, IL 60060 (Lake County)
42.2678, -88.0304
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1988 Purchased 2002
MP

Jeff E Jafari

Age 65 Male
·
561 Nichols Dr, Suwanee, GA 30024 (Gwinnett County)
34.1156, -84.1276
· (770) 844-1726
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 2008 Purchased 2007

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

Anastasios Manettas

Corporation

$16,480 Paid in Full
Address:
101 Marietta St NW Ste 3325
Atlanta, GA30303-2716
Approved

Jan 29, 2021

Forgiven

$16,565

Jobs Reported

1

Loan #

8133708304

Loan Size

Small

Ivita Financial, LLC

Limited Liability Company(LLC

$218,200 Paid in Full
Address:
101 Marietta St NW
Atlanta, GA30303-2761
Approved

Apr 30, 2020

Forgiven

$204,340

Jobs Reported

10

Loan #

6129927302

Loan Size

Medium

Kevin Levermore

Corporation

$17,185 Paid in Full
Address:
101 Marietta St NW Ste 130
Atlanta, GA30303-1535
Approved

May 1, 2021

Forgiven

$17,242

Jobs Reported

1

Loan #

5891898909

Loan Size

Small

Mobile Consulting, LLC

Limited Liability Company(LLC

$611,057 Paid in Full
Address:
101 MARIETTA ST NW Suite 1050
Atlanta, GA30303-2780
Approved

Apr 28, 2020

Forgiven

$618,741

Jobs Reported

60

Loan #

6693587210

Loan Size

Medium

One Stop Communications

Corporation

$17,500 Paid in Full
Address:
101 Marietta St NW Suite 3340
Atlanta, GA30303
Approved

May 1, 2020

Forgiven

$17,610

Jobs Reported

1

Loan #

3972497707

Loan Size

Small

Charles R Bridgers Attorney LLC

Limited Liability Company(LLC

$20,832 Exemption 4
Address:
101 Marietta St NW 101 Marietta St Nw
Atlanta, GA30303-2720
Approved

Mar 25, 2021

Jobs Reported

1

Loan #

9300378609

Loan Size

Small

Charles R Bridgers Attorney LLC

Limited Liability Company(LLC

$20,800 Paid in Full
Address:
101 Marietta St NW
Atlanta, GA30303-2720
Approved

May 1, 2020

Forgiven

$21,040

Jobs Reported

1

Loan #

7648747706

Loan Size

Small

Atlanta International Rmi INC

Corporation

$53,512 Paid in Full
Address:
101 Marietta St NW Ste 3120
Atlanta, GA30303-1535
Approved

May 22, 2020

Forgiven

$54,200

Jobs Reported

4

Loan #

1791657807

Loan Size

Small

Master Concessionair-Atl LLC

Limited Liability Company(LLC

$261,736 Exemption 4
Address:
101 Marietta St NW Ste 2000
Atlanta, GA30303-2770
Approved

Mar 29, 2021

Forgiven

$185,656

Jobs Reported

30

Loan #

2548588702

Loan Size

Medium

L David Wolfe PC

Corporation

$49,458 Paid in Full
Address:
101 Marietta St NW Ste 3325
Atlanta, GA30303-2716
Approved

May 1, 2020

Forgiven

$49,871

Jobs Reported

3

Loan #

6499327710

Loan Size

Small

Thought Horizon, LLC

Limited Liability Partnership

$53,370 Paid in Full
Address:
101 Marietta St NW Ste 1625
Atlanta, GA30303
Approved

May 1, 2020

Forgiven

$53,741

Jobs Reported

5

Loan #

4682227703

Loan Size

Small

Td Restaurants LLC

Corporation

$138,600 Paid in Full
Address:
101 Marietta St NW
Atlanta, GA30303-2720
Approved

Feb 6, 2021

Forgiven

$139,716

Jobs Reported

13

Loan #

4437758407

Loan Size

Small

National Business Technologies LLC

Corporation

$75,000 Exemption 4
Address:
101 Marietta St NW Ste 130
Atlanta, GA30303-2724
Approved

May 12, 2020

Forgiven

$21,057

Jobs Reported

7

Loan #

5488927408

Loan Size

Small

Rumley Solutions INC

Corporation

$21,788 Paid in Full
Address:
101 Marietta St NW Ste 3000
Atlanta, GA30303-2779
Approved

May 1, 2020

Forgiven

$11,911

Jobs Reported

6

Loan #

6548997709

Loan Size

Small

Tevis Law Group LLC

Subchapter S Corporation

$20,833 Paid in Full
Address:
101 Marietta St NW Ste 3325
Atlanta, GA30303-2716
Approved

Feb 18, 2021

Forgiven

$21,025

Jobs Reported

1

Loan #

1116518509

Loan Size

Small

Kevin Levermore

Corporation

$20,832 Paid in Full
Address:
101 Marietta St NW Ste 130
Atlanta, GA30303-2724
Approved

May 11, 2021

Forgiven

$20,895

Jobs Reported

1

Loan #

7930168905

Loan Size

Small

Trenton Heard

Self-Employed Individuals

$1,355 Paid in Full
Address:
101 Marietta St NW Ste 2000
Atlanta, GA30303-2770
Approved

Feb 27, 2021

Forgiven

$1,366

Jobs Reported

1

Loan #

5508038504

Loan Size

Small

Levanter LLC

Partnership

$13,727 Paid in Full
Address:
101 Marietta St NW Ste 3000
Atlanta, GA30303-2779
Approved

Mar 12, 2021

Forgiven

$13,804

Jobs Reported

4

Loan #

1191588606

Loan Size

Small

Executive Global Investment, CORP

Corporation

$17,186 Paid in Full
Address:
101 Marietta St NW Ste 130
Atlanta, GA30303-1535
Approved

Jun 15, 2020

Forgiven

$17,315

Jobs Reported

1

Loan #

4676637908

Loan Size

Small

Rnn Group, INC.

Corporation

$948,800 Paid in Full
Address:
101 Marietta St NW Ste 3305
Atlanta, GA30303-2730
Approved

Jan 25, 2021

Forgiven

$957,092

Jobs Reported

61

Loan #

5717878309

Loan Size

Medium

Master Concessionair-Atl, LLC

Limited Liability Company(LLC

$204,800 Paid in Full
Address:
101 Marietta St NW Ste 2000
Atlanta, GA30303
Approved

Apr 14, 2020

Forgiven

$31,345

Jobs Reported

30

Loan #

5884747110

Loan Size

Medium

Gideon'S Promise, INC.

Corporation

$262,362 Paid in Full
Address:
101 Marietta St NW Ste 250
Atlanta, GA30303
Approved

May 1, 2020

Forgiven

$265,862

Jobs Reported

10

Loan #

2982657706

Loan Size

Medium

Vernon Vereen

Independent Contractors

$1,515 Paid in Full
Address:
101 Marietta St NW
Atlanta, GA30303-2720
Approved

May 17, 2021

Forgiven

$1,526

Jobs Reported

1

Loan #

2539339005

Loan Size

Small

McA Th Acp Jv LLC

Limited Liability Company(LLC

$723,830 Paid in Full
Address:
101 Marietta St NW Ste 2000
Atlanta, GA30303-2770
Approved

Mar 27, 2021

Forgiven

$732,757

Jobs Reported

86

Loan #

1271188702

Loan Size

Medium

Bennett Group Management

Corporation

$87,500 Paid in Full
Address:
101 Marietta St NW Ste 1070
Atlanta, GA30303-2726
Approved

Jan 23, 2021

Forgiven

$88,023

Jobs Reported

14

Loan #

5037988303

Loan Size

Small

The Porter Law Firm

Limited Liability Company(LLC

$23,510 Paid in Full
Address:
101 Marietta St NW Ste 3310
Atlanta, GA30303-2711
Approved

Mar 4, 2021

Forgiven

$23,823

Jobs Reported

1

Loan #

6962978509

Loan Size

Small

Rnn Group, INC.

Corporation

$948,800 Paid in Full
Address:
101 Marietta St NW Ste 3305
Atlanta, GA30303-2720
Approved

Apr 27, 2020

Forgiven

$960,472

Jobs Reported

61

Loan #

6198177208

Loan Size

Medium

Manettas Law LLC

Corporation

$6,670 Paid in Full
Address:
101 Marietta St Nw Ste 3325
Atlanta, GA30303
Approved

Apr 28, 2020

Forgiven

$6,739

Jobs Reported

1

Loan #

8671037207

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 28 PPP loan records are linked to businesses associated with Jeff Jafari. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Jeff Jafari on the map

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Jeff Jafari in Laguna Hills, CA: Background Summary

Location
Jeff Jafari, 25981 Terra Bella Ave, Laguna Hills Ca, Laguna Hills, CA
Other Locations
Rockford, IL ยท Encino, CA ยท La Jolla, CA and 7 more
Profiles Found
13 people with this name
Phone Numbers
(949) 636-1321 and 5 others on file
Email
jhjafari@gmail.com
Career
Vice President at Annabelles Restaurant, Lafayette Workroom
Properties
1property owned
Vehicles
2 linked โ€” 2014 Volkswagen Passat, 2014 Nissan Frontier
Contributions
$12.0K total โ€” Boyer, Elaine C, Watson, Aaron
PPP Loans
$4857K for Anastasios Manettas, Ivita Financial, LLC

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 Jeff Jafari. Because public records are indexed by name rather than by a unique identifier, the 84 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 Jeff Jafari

Search Complexity: High

84 public records across 12states, belonging to approximately 13 different individuals. With 13 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: California (14%), followed by Georgia and Illinois. Spans the South and West regions.

CA12recordsGA9recordsIL3recordsAR3recordsTX3recordsKS2records

Record Type Breakdown

Data spans 8 record categories. Largest: PPP Loan Records (35%), which are tied to specific businesses and addresses. Also includes Business & Corporate Filings (21) and Contact & Address Records (19).

28
PPP Loan Records
21
Business & Corporate Filings
19
Contact & Address Records
5
Political Contribution Records
2
Vehicle Registration Records
2
Corporate Records

Frequently Asked Questions About Jeff Jafari

Is Jeff Jafari a registered voter?
Yes, voter registration records show Jeff Jafari is registered. We found 1 voter registration entry across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Jeff Jafari own property?
County assessor records show 1 property associated with Jeff Jafari . 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 Jeff Jafari?
Records show 2 vehicle registrations associated with Jeff Jafari, including a 2014 Volkswagen Passat. Registered makes include Volkswagen, Nissan. 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 Jeff Jafari?
We found 21 business affiliations for Jeff Jafari (null). Other companies include Lafayette Workroom, Jj Service Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Jeff Jafari made political donations?
FEC disclosure records show 5 reported political contributions from Jeff Jafari, totaling $12,000. Recipients include Boyer, Elaine C and Watson, Aaron. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Jeff Jafari?
Our database contains 84 total records for Jeff Jafari spanning 12 states. This includes 13 distinct contact records, 6 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 Jeff Jafari?
The 84 records displayed for Jeff Jafari 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 Jeff Jafari 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.