Joann Geer from Dammeron Valley, UT

Age 51
๐Ÿ“ 1105 Carters Pond Rd, Dammeron Valley, UT 84783
๐Ÿ“ž (801) 674-4106
โœ‰๏ธ jpynglee@hotmail.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Brian D Geer,Joann L Geer,Brain David Geer,Larry Geer,Brain Geer

Joann Geer

Age 85 b. 1940-06-13
๐Ÿ“ 912 Ellen St, Terrytown La
๐Ÿ“ž (504) 362-9916, (111) 111-0002
โœ‰๏ธ EXILEDGUARDIAN17@GMAIL.COM

Joann Geer from Traverse City, MI

Age 95 b. Jun 1930 Grand Traverse Co.
๐Ÿ“ 140 Birchwood Ave
๐Ÿ“ž (231) 929-1770

Joann Geer from Astoria, NY

Age 81 b. Sep 1944 Queens Co.
๐Ÿ“ 2558 Steinway St Unit 3
๐Ÿ“ž (718) 956-7587
๐Ÿ‘ค aka Joann T Bebenroth

Joann Geer from Johnsonburg, PA

Age 64 b. Feb 1962 Elk Co.
๐Ÿ“ 514 2nd Ave
๐Ÿ“ž (814) 965-5242

Joann Geer from Valparaiso, IN

Female
๐Ÿ“ 505 Randle St
๐Ÿ“ž (219) 765-3966 (AT&T MOBILITY)

Joann Geer from Casselberry, FL

Age 75 b. 1951 Female
๐Ÿ“ 3675 Derbyshire Rd
๐Ÿ“ž (407) 671-7519

Joann Geer from Winter Park, FL

Age 74 b. Dec 1951 Orange Co.
๐Ÿ“ 2497 Tahoe Cir

Joann Geer from Bonaire, GA

Age 50 b. Jul 1975 Houston Co.
๐Ÿ“ 608 Maplewood Dr

Joann Geer from Anderson, SC

Age 65 b. Jan 1961 Anderson Co.
๐Ÿ“ 929 E Whitner St

Joann Geer from Gretna, LA

Age 85 b. Jun 1940 Jefferson Co.
๐Ÿ“ 912 Ellen St
๐Ÿ‘ค aka Geer Jo

Joann Geer from Malden, MA

Age 78 b. Sep 1947
๐Ÿ“ 300 Washington St M

Joann Geer from Middle Grove, NY

0
๐Ÿ“ 278 Po Box, Middle Grove, NY 12850

Joann Geer from Mesa, AZ

Maricopa Co.
๐Ÿ“ 725 S Allen
๐Ÿ“ž (205) 547-6695

Joann Geer from Saint George, UT

Washington Co.
๐Ÿ“ 225 N Valley View Dr 69
๐Ÿ“ž (805) 399-1332

Joann Geer from Long Beach, CA

Los Angeles Co.
๐Ÿ“ 1880 Locust Ave Apt 203

Joann Geer from Casselberry, FL

๐Ÿ“ 250 Springwind Wa

Joann Geer from Mesa, AZ

Maricopa Co.
๐Ÿ“ 763 E Millett Ave A

Joann Geer from Fort Richardson, AK

Anchorage Co.
๐Ÿ“ 409 7th St Apt A

Joann Geer from Canyon Lake, CA

Riverside Co.
๐Ÿ“ 30509 Meadowlark Dr

Joann Geer from Bellevue, WA

King Co.
๐Ÿ“ 405 114th Ave Se 205

Joann Geer from Valparaiso, IN

Porter Co.
๐Ÿ“ 1211 Aspen Dr

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 23 contact records for Joann Geer across 14 states. The most recent address on file is in Traverse City, Michigan. Of these records, 10 include phone numbers and 3 include email addresses. The listed age is 51. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Joann Marie Geer

Republican Reg: 03/08/2015
514 Second Ave, Johnsonburg, PA, 15845
DOB: 02/24/1961

Joann Geer

486 Eagle Cir, Casselberry, , 327074834

Joann Marie Geer

514 Second Ave
DOB: 02/24/1961

Joann Rutan Geer

Reg: 07/29/2008
11423 112th Pl, Kirkland, WA, 98033
DOB: 10/08/1954 Gender: Female
County: KI

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 4 voter registration records were found for Joann Geer in Pennsylvania, , Washington. Party affiliation is listed as R. 2 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2011 Volkswagen Jetta
ยท Registered to: Joann Geer
ยท VIN: 3VWLL7AJ3BM096918
·
1105 Carters Pond Rd, Dammeron Valley, UT, 84783
·
(435) 619-3399
2007 Chrysler Pt Cruiser
ยท Registered to: Joann Geer
ยท VIN: 3A4FY48B67T509601
·
502 Eagle Cir, Casselberry, FL, 32707
·
(407) 252-5566

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 2 vehicle registration records are associated with Joann Geer. Registered makes include Volkswagen, Chrysler. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Joann Geer

United States

Joann Geer

United States

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 4 business affiliations were found for Joann Geer. Records are compiled from state business registries, SEC filings, and professional networking databases.

112th Place, LLC

Addr: WA
WA
Governor: Joann Geer

112th Place, LLC

ID: 603078490
Officer: Joann Geer

Unknown Corporation

Officer: Joann Geer

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

Inventor Record

JoAnn Geer - AK

Source: USPTO Patent Database ยท U.S. Patent & Trademark Office Joann Geer 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.

$50 Jan 25, 2010
2010
Utah Association Of Realtors
Geer, Joann Dammeron Valley, UT
$250 Jan 31, 2011
2012
Utah Association Of Realtors
Geer, Joann St George, UT
$50 Jan 7, 2013
2014
Utah Association Of Realtors
Geer, Joann St George, UT
$50 Jan 9, 2012
2012
Utah Association Of Realtors
Geer, Joann St George, UT
$100 Oct 29, 2013
2014 DEM
Fallon, Christopher G
Geer, Joann Peabody, MA
$100 Oct 29, 2013
DEM
Fallon, Christopher G
Contributor Peabody, MA
$100
2014 DEM
Fallon, Christopher G
Contributor Peabody, MA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 7 political contribution records found for Joann Geer. Total disclosed contributions amount to $700. Recipients include Fallon, Christopher G. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Joann Geer

Age 65 Female
·
486 Eagle Cir, Casselberry, FL 32707 (Seminole County)
28.6632, -81.3002
Marital: Married TZ: Eastern
Single Family
MP

Joann C Geer

Age 77 Female
·
912 Ellen St, Gretna, LA 70056 (Jefferson County)
29.9105, -90.0407
Marital: Married TZ: Central
Edu: Graduate School
Homeowner Single Family Purchased 1996
MP

Joann M Geer

Age 56 Female
·
514 2nd Ave, Johnsonburg, PA 15845 (Elk County)
41.4894, -78.6717
· (814) 322-6209
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family
MP

Joann Geer

Age 86 Female
·
5817 State Route 41 NW, Wshngtn Ct Hs, OH 43160 (Fayette County)
39.5890, -83.5065
· (740) 335-1734
Marital: Single TZ: Eastern
Homeowner Single Family Built 1974 Purchased 2010
MP

Joann K Geer

Age 70 Female
·
11425 E University Dr, Apache Jct, AZ 85120 (Pinal County)
33.4223, -111.5840
TZ: Mountain
Edu: Some College
Multi-Family
MP

Joann Geer

Age 69 Female
·
74 Elm St, Danvers, MA 01923 (Essex County)
42.5739, -70.9505
· (978) 304-1683
Marital: Married TZ: Eastern
Homeowner Multi-Family Built 1853 Purchased 2015
MP

Joann A Geer

Age 76 Female
·
6475 Deepwater Point Rd, Williamsburg, MI 49690 (Grand Traverse County)
44.7809, -85.5036
Marital: Single TZ: Eastern
Edu: Some College
Single Family
MP

Joann Geer

Age 56 Female
·
213 Wardlaw St, Anderson, SC 29624 (Anderson County)
34.4924, -82.6447
Marital: Married TZ: Eastern
Occ: White Collar Edu: High School
Homeowner Single Family Purchased 1993
MP

Joann R Geer

Age 62 Female
·
11423 112th Pl NE, Kirkland, WA 98033 (King County)
47.7031, -122.1910
Marital: Married TZ: Pacific
Edu: High School
Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 9 demographic profiles associated with Joann Geer. 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 Joann Geer. These loans were issued to businesses, not individuals.

Evans-Moore Insurance Agency INC

Corporation

$22,677 Paid in Full
Address:
514 2nd Ave
Gallipolis, OH45631-1219
Approved

Apr 15, 2020

Forgiven

$22,818

Jobs Reported

4

Loan #

9343197106

Loan Size

Small

Cass County Historical Society

Non-Profit Organization

$6,700 Paid in Full
Address:
1004 E Market St
Logansport, IN46947-3560
Approved

May 5, 2020

Forgiven

$6,752

Jobs Reported

1

Loan #

2265377408

Loan Size

Small

Qushawn Cleveland

Sole Proprietorship

$20,833 Exemption 4
Address:
17425 N 19th Ave
Phoenix, AZ85023-2416
Approved

Apr 15, 2021

Jobs Reported

1

Loan #

3825978803

Loan Size

Small

Dominique Simmons

Independent Contractors

$8,853 Paid in Full
Address:
17425 N 19th Ave
Phoenix, AZ85023-2313
Approved

Mar 23, 2021

Forgiven

$8,890

Jobs Reported

1

Loan #

7265988609

Loan Size

Small

Go Alaska Media

Limited Liability Partnership

$53,000 Paid in Full
Address:
514 2nd Ave
Fairbanks, AK99701
Approved

Apr 27, 2020

Forgiven

$53,366

Jobs Reported

7

Loan #

5970477206

Loan Size

Small

Imani Armstrong

Sole Proprietorship

$20,832 Paid in Full
Address:
17425 N 19th Ave
Phoenix, AZ85023-2416
Approved

Mar 20, 2021

Forgiven

$20,960

Jobs Reported

1

Loan #

4928188603

Loan Size

Small

Jasmond Russell

Independent Contractors

$7,500 Paid in Full
Address:
17425 N 19th Ave Apt 2142
Phoenix, AZ85023-2453
Approved

May 11, 2021

Forgiven

$7,529

Jobs Reported

1

Loan #

8320138904

Loan Size

Small

Garrett Eikelboom

Sole Proprietorship

$20,332 Paid in Full
Address:
17425 N 19th Ave Apt 2083
Phoenix, AZ85023-2452
Approved

Apr 22, 2021

Forgiven

$20,557

Jobs Reported

1

Loan #

8238528806

Loan Size

Small

Latrice Johnson

Sole Proprietorship

$19,531 Paid in Full
Address:
17425 N 19th Ave
Phoenix, AZ85023-2416
Approved

Apr 6, 2021

Forgiven

$19,590

Jobs Reported

1

Loan #

7842088709

Loan Size

Small

Crystal Williams

Sole Proprietorship

$20,207 Paid in Full
Address:
17425 N 19th Ave
Phoenix, AZ85023-2416
Approved

Apr 1, 2021

Forgiven

$20,313

Jobs Reported

1

Loan #

4565618710

Loan Size

Small

Laura Hougard

Independent Contractors

$20,000 Paid in Full
Address:
17425 N 19th Ave Apt 1109
Phoenix, AZ85023-2421
Approved

May 12, 2021

Forgiven

$20,091

Jobs Reported

1

Loan #

9765948908

Loan Size

Small

Wellsand Landscaping & Hardscapes INC.

Subchapter S Corporation

$72,472 Paid in Full
Address:
970 N 150 W
Chesterton, IN46304-9439
Approved

Feb 22, 2021

Forgiven

$73,402

Jobs Reported

9

Loan #

3081558508

Loan Size

Small

Emerald Rush

Sole Proprietorship

$20,833 Paid in Full
Address:
17425 N 19th Ave
Phoenix, AZ85023-2416
Approved

Apr 12, 2021

Forgiven

$20,913

Jobs Reported

1

Loan #

2479828806

Loan Size

Small

Emerald Rush

Sole Proprietorship

$20,833 Exemption 4
Address:
17425 N 19th Ave
Phoenix, AZ85023-2416
Approved

May 7, 2021

Jobs Reported

1

Loan #

7750318905

Loan Size

Small

Go Alaska Media LLC

Limited Liability Partnership

$66,105 Paid in Full
Address:
514 2nd Ave
Fairbanks, AK99701-4729
Approved

Feb 6, 2021

Forgiven

$66,965

Jobs Reported

7

Loan #

4525468403

Loan Size

Small

Dominique Simmons

Independent Contractors

$8,853 Paid in Full
Address:
17425 N 19th Ave
Phoenix, AZ85023-2416
Approved

Apr 15, 2021

Forgiven

$8,880

Jobs Reported

1

Loan #

3670608802

Loan Size

Small

Evans-Moore Realty INC

Corporation

$12,342 Paid in Full
Address:
514 2nd Ave
Gallipolis, OH45631-1219
Approved

Apr 15, 2020

Forgiven

$12,420

Jobs Reported

2

Loan #

9155327100

Loan Size

Small

Qushawn Cleveland

Sole Proprietorship

$20,833 Exemption 4
Address:
17425 N 19th Ave
Phoenix, AZ85023-2416
Approved

May 18, 2021

Jobs Reported

1

Loan #

3569619001

Loan Size

Small

Sheena Thomas

Sole Proprietorship

$20,833 Paid in Full
Address:
17425 N 19th Ave
Phoenix, AZ85023-2416
Approved

Apr 28, 2021

Forgiven

$20,890

Jobs Reported

1

Loan #

3486568901

Loan Size

Small

Tch Enterprises LLC

Subchapter S Corporation

$100,000 Paid in Full
Address:
1004 E Market St
New Albany, IN47150-2982
Approved

May 1, 2020

Forgiven

$101,119

Jobs Reported

64

Loan #

7535347708

Loan Size

Small

Rashad Mickle

Self-Employed Individuals

$20,833 Paid in Full
Address:
17425 N 19th Ave
Phoenix, AZ85023-2416
Approved

Apr 7, 2021

Forgiven

$21,033

Jobs Reported

1

Loan #

8297808709

Loan Size

Small

Guadalupe Espitia Vargas

Sole Proprietorship

$12,290 Paid in Full
Address:
17425 N 19th Ave Apt 1106
Phoenix, AZ85023-2420
Approved

Apr 10, 2021

Forgiven

$12,399

Jobs Reported

1

Loan #

1390888801

Loan Size

Small

Tyrone Thompson

Sole Proprietorship

$20,325 Paid in Full
Address:
17425 N 19th Ave
Phoenix, AZ85023-2416
Approved

Apr 22, 2021

Forgiven

$20,405

Jobs Reported

1

Loan #

8425978807

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 23 PPP loan records are linked to businesses associated with Joann Geer. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Joann Geer on the map

Blank map of the United States, territories not included Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
1
3
2
5
1
2
3
4
2
3
1
3
3
4
4

Joann Geer in Dammeron Valley, UT: Background Summary

Location
1105 Carters Pond Rd,Dammeron Valley, UT 84783, Dammeron Valley, UT
Other Locations
Traverse City, MI ยท Astoria, NY ยท Johnsonburg, PA and 13 more
Profiles Found
23 people with this name
Phone Numbers
(864) 202-3402 and 11 others on file
Email
iyeshawillis908@yahoo.com and 6 others on file
Possible Relatives
Aaron J Geer, Anthony V Geer, Doris C Thompson, Eva Bessie Jones, Genora Denise Jones and 47 more
Voter Registration
Registered Republican
Vehicles
2 linked โ€” 2011 Volkswagen Jetta, 2007 Chrysler Pt Cruiser
Contributions
$700 total โ€” Fallon, Christopher G, Fallon, Christopher G
PPP Loans
$617K for Evans-Moore Insurance Agency INC, Cass County Historical Society

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 Joann Geer. Because public records are indexed by name rather than by a unique identifier, the 80 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

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.

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 โ€” 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 Joann Geer

Search Complexity: High

80 public records across 15states, belonging to approximately 23 different individuals. With 23 distinct profiles across 15 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 15 states. Highest concentration: Florida (6%), followed by Utah and Massachusetts. Spans the West and South regions.

FL5recordsUT4recordsMA4recordsWA4recordsNY3recordsSC3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (37%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (23) and Political Contribution Records (7).

26
Contact & Address Records
23
PPP Loan Records
7
Political Contribution Records
4
Voter Registration Records
4
Business & Corporate Filings
3
Corporate Records

Age Distribution

Age range: approximately 45 years, suggesting multiple generations. Largest group: Senior (65+) (75%).

Senior (65+)6peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Joann Geer

Is Joann Geer a registered voter?
Yes, voter registration records show Joann Geer is registered in Pennsylvania with R affiliation. We found 4 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
What vehicles are registered to Joann Geer?
Records show 2 vehicle registrations associated with Joann Geer, including a 2011 Volkswagen Jetta. Registered makes include Volkswagen, Chrysler. 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 Joann Geer?
We found 4 business affiliations for Joann Geer. Business records are compiled from state registries, SEC filings, and professional databases.
Has Joann Geer made political donations?
FEC disclosure records show 7 reported political contributions from Joann Geer, totaling $700. Recipients include Fallon, Christopher G. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Joann Geer?
Our database contains 80 total records for Joann Geer spanning 15 states. This includes 23 distinct contact records, 10 with phone numbers, 3 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 Joann Geer?
The 80 records displayed for Joann Geer 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 Joann Geer 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.