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John M Galat

Age 62 b. 1964-02-18
📍 1500 Villa Ave Spc 68, Clovis Ca
📞 (559) 668-2881, (559) 297-1502, (559) 297-0000
✉️ JOHNNYMAG1964@YAHOO.COM, johnnymag1964@yahoo.com

John M Galat

Age 62 b. 1964-02-18
📍 391 Peach Av, Clovis Ca 93612
📞 (559) 668-2881, (559) 297-1502
✉️ JOHNNYMAG1964@YAHOO.COM

John Galat from Sandusky, OH

Age 67 b. Apr 1958 Erie Co.
📍 1208 Central Ave
📞 (317) 547-4021, (419) 625-7979

John Galat from Caldwell, NJ

Age 80 b. Mar 1945 Essex Co.
📍 26 Dalewood Rd
📞 (973) 228-1155

John Galat from Philadelphia, PA

Age 44 b. Nov 1981 Philadelphia Co.
📍 1411 Moore St
📞 (215) 467-4675

John Galat from Clovis, CA

Age 62 b. 1964 Male
📍 1500 Villa Ave Spc 68
💼 2814
📞 (559) 297-1502
✉️ johnnymag1964@yahoo.com

John Galat from Penn Valley, CA

Age 89 b. Jul 1936 Nevada Co.
📍 11164 Ringtail Rd
📞 (530) 432-0520

John Galat from La Mesa, CA

Age 62 b. Nov 1963 San Diego Co.
📍 6184 Baltimore Dr
📞 (619) 469-2216

John Galat from Walnut Creek, CA

Male
📍 1908 Bolbones Ct
📞 (925) 381-2001 (AT&T MOBILITY)

John Galat from Temecula, CA

0000 Male
📍 32093 Calle Novelda
📞 (951) 699-4911

John Galat from Steamboat Springs, CO

Age 72 b. Sep 1953 Routt Co.
📍 Po Box 772488

John Galat from Bound Brook, NJ

Age 65 b. Sep 1960 Somerset Co.
📍 749 Schoolhouse Ln

John Galat from Prospect, OH

Age 79 b. Jan 1947 Marion Co.
📍 6820 Gillette Rd

John Galat from San Francisco, CA

Age 93 b. Jul 1932 San Francisco Co.
📍 88 Howard St Apt 2215

John Galat from West Springfield, MA

Age 84 b. Jan 1942 Hampden Co.
📍 1095 Westfield St Apt 14

John Galat from Bethlehem, PA

Age 70 b. Oct 1955 Northampton Co.
📍 1853 Bayard St

John Galat from Jamestown, NY

Age 76 b. Dec 1949 Chautauqua Co.
📍 624 Pine St

John Galat from Rahway, NJ

Age 58 b. Sep 1967 Union Co.
📍 326 Russell Ave

John Galat from Clovis, CA

Age 62 b. Feb 1964 Fresno Co.
📍 435 Shaw Ave

John Galat from Cherry Hill, NJ

Age 72 b. Aug 1953 Camden Co.
📍 1502 Chalet Dr

John Galat

Age 76 b. Oct 1949
📍 6 E Stroudsburg Pa Po Box 6326

John Galat from Cleveland, OH

Cuyahoga Co.
📍 1174 Castleton Rd

John Galat from Shippensburg, PA

Cumberland Co.
📍 213 Seavers

John Galat from Berkeley, CA

Alameda Co.
📍 1116 Dwight Wa 3

John Galat from San Francisco, CA

San Francisco Co.
📍 2000 Broadway St Apt 920

John Galat from Beach Haven, NJ

Ocean Co.
📍 315 Jumper Dr

John Galat from Berkeley, CA

Alameda Co.
📍 1116 Dwight Way Wa 3

John Galat from Elmhurst, IL

Du Page Co.
📍 244 Maison Ct

John Galat from Belford, NJ

📍 560 Sherman Ave
👤 aka John Galati

John Galat from Temecula, CA

Riverside Co.
📍 32093 Cll Novelda

John Galat from Cicero, IL

Cook Co.
📍 1538 S 50th Ct

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 31 contact records for John Galat across 8 states. The most recent address on file is in Sandusky, Ohio. Of these records, 10 include phone numbers and 3 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Galat John A

Marion County
PIN: 23911-011-00
· 1295 SW 37th Place Rd, Ocala 34474
Value: $1,673,968

Galat John A

Marion County
· No Situs, Ocala 34471.0
Assessed: $90

Galat, John & Ellen

Residential Somerset County
· 307 Blairsden Ct, 08873

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 3 property records linked to John Galat in Ocala. Values shown are from county assessor records and may differ from current market prices.

John M Galat

Republican
307 Blairsden Ct, Somerset, 08873
DOB: 3/27/1945
County: Somerset

John Caleb Galat

1257 Stonehedge Trail LN, St Augustine, , 320921061

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

2007 VOLVO S40
· Registered to: John Galat
· VIN: YV1MS382X72269649
·
1295 SW 37th Place Rd, Ocala, FL, 34471-7256
2007 Chevrolet Tahoe C1500
· Registered to: John Galat
· VIN: 1GNFC13J67R358955
·
1295 Sw 37Th Place Rd, Ocala, FL, 34471
2013 Lexus ES 350
· Registered to: John Galat
· VIN: JTHBK1GG1D2036560
·
307 Blairsden Ct, Somerset, NJ, 08873
·
(732) 469-1659
2010 HONDA CR-V
· Registered to: John Galat
· VIN: 5J6RE3H5XAL041093
·
4860 Eisenhower Ave Unit 482, Alexandria, VA, 22304-7349
· Registered to: John Galat
·
391 Peach Ave Apt 127, Clovis, CA, 93612
2013 Lexus RX 350
· Registered to: John Galat
·
307 Blairsden Ct, Somerset, NJ, 08873
·
(732) 469-1659

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 6 vehicle registration records are associated with John Galat. Registered makes include Volvo, Chevrolet, Lexus, Honda and others. The most recent model year on record is 2013. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Franklin Township Food Bank

John GalatTreasurer
Somerset, NJ

John Galat

Philippines
LinkedIn

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 2 business affiliations were found for John Galat. Roles listed include Treasurer. Records are compiled from state business registries, SEC filings, and professional networking databases.

Galat, INC.

Filed: Feb 24, 1986
Registered Agent: John R Galat

Galat, INC.

Filed: Feb 24, 1986
CEO: John R Galat

Galat, INC.

Addr: 10265 Parkwood Dr #8, Cupertino, CA, 95014
CA
CEO: John R Galat

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

john CALEB galat

Age 39
Stone Crab Trap Registration - 1 year
Addr: 1257 Stonehedge Trail Ln, St Augustine, FL 32092
County: Saint Johns
Phone: (703) 966-7286
Email: jcgalat@gmail.com

john CALEB galat

Stone Crab Trap Registration - 1 year
Addr: St Augustine, FL 32092
County: Saint Johns
Phone: (703) 966-7286
Email: jcgalat@gmail.com

Source: State Professional Licensing Boards · Dept. of Professional Regulation John Galat holds 2 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.

$500 Jul 18, 2008
2008 REP
Stearns, Clifford B
Galat, John A Physi @ Munro Regional Medical Center Ocala, FL
$500 Nov 25, 2009
2010
Society Of Thoracic Surgeons Political Action Committee
Galat, John A Physician @ Munroe Heart Ocala, FL
$1,000 May 24, 2000
2000
Society Of Thoracic Surgeons Political Action Committee; The (sts Pac)
Galat, John Physician @ Self Ocala, FL
$500 Oct 22, 2010
2010 REP
Rooney, Pat
Galat, John A Physician @ Munroe Heart Ocala, FL
$1,000 Aug 26, 2010
2010
Society Of Thoracic Surgeons Political Action Committee
Galat, John A Physician @ Munroe Heart Ocala, FL
$250 Aug 12, 1996
1996
Pope, Willard
Galat, John A Physician Ocala, FL
$500 Oct 24, 2002
2002 REP
Sebesta, Jim
Galat, John A Physician @ Self Ocala, FL
$500 Oct 20, 2006
2006 R
Cappelli, Angelo
Galat, John Ocala, FL
$5,000 Aug 6, 2012
2012
Protect Hometown Healthcare
Galat, John A Physician Ocala, FL
$500 Sep 4, 2008
2008
Society Of Thoracic Surgeons Political Action Committee
Galat, John A Phys @ Munroe Regional Medical Center Ocala, FL
$500 Mar 26, 2004
2004
Society Of Thoracic Surgeons Political Action Committee; The (sts Pac)
Galat, John Physician @ Self Ocala, FL
$1,000 Apr 16, 2010
2010 REP
National Republican Congressional Committee
Galat, John A Physi @ Munro Regional Medical Center Ocala, FL
$500 May 13, 2015
2016 REP
Baxley, Dennis K
Galat, John Physician Ocala, FL
$1,000 Dec 5, 2012
2012
Society Of Thoracic Surgeons Political Action Committee
Galat, John A Physician @ Munroe Heart Ocala, FL
$1,000 Oct 12, 2004
2004 I
Citizens For A Fair Share
Galat, John A Physician Ocala, FL
$500 Jun 18, 2002
2002 REP
Bush, Jeb & Brogan, Frank T
Galat, John Physician @ Self Ocala, FL
$500 Mar 26, 2015
2016 REP
McClain, Stanley E Jr
Galat, John A Physician Ocala, FL
$500 Apr 25, 2010
2010 REP
Kelly, Kurt
Galat, John Physician @ Self Employed Ocala, FL
$500 Jul 24, 2008
2008 REP
Stearns, Clifford B
Galat, John A Physi @ Munro Regional Medical Center Ocala, FL
$500 Aug 11, 1998
1998 REP
Goode Jr, Harry C
Galat, John Physician Ocala, FL
$250 Jul 30, 2008
2008 REP
Dean, Charles S
Galat, John A Physician Ocala, FL
$500 Jul 18, 2007
2008
Society Of Thoracic Surgeons Political Action Committee
Galat, John A Physician @ Ocala Heart Institute Ocala, FL
$500 Sep 29, 2009
2010 REP
Kelly, Kurt
Galat, John A Physician Ocala, FL
$500 Sep 11, 2000
2000 REP
Fasano, Mike
Galat, John Physician @ Self Ocala, FL
$500 Jul 13, 2010
2010
Florida Medical Association Political Ac
Galat, John A Md Physician Ocala, FL
$250 Sep 19, 2007
2008 REP
Huckabee, Mike
Galat, John Cardiac Surge @ Ocala Heart Institute Ocala, FL
$500 Sep 24, 2008
2008
People For A Better Florida Fund, INC
Galat, John Doctor Ocala, FL
$500 Oct 13, 2004
2004 REP
Homan, Ed
Galat, John A Surgeon Ocala, FL
$500 Oct 9, 1998
1998 REP
Bronson, Charlie
Galat, John Medical Ocala, FL
$1,000 Dec 16, 1999
2000 REP
Bauer, Gary L
Galat, John Physician @ Ocala Heart Inst Ocala, FL
$500 May 17, 2007
2008 REP
Kelly, Kurt
Galat, John Md Physician Ocala, FL
$500 Jul 1, 2000
2000 DEM
Boone, Eddie
Galat, John Physician @ Self Ocala, FL
$1,000 Jul 21, 2011
2012
Society Of Thoracic Surgeons Political Action Committee
Galat, John A Physician @ Munroe Heart Ocala, FL
$250 May 12, 1999
2000 REP
Cowin, Anna
Galat, John A Ocala, FL
$500 Mar 26, 2015
REP
McClain, Stanley E Jr
Contributor Physician Ocala, FL
$1,000 Aug 29, 2021
Unknown Committee
Galat, John A. Cardiothoracic Surgeon @ Gulf Coast Medical Group Venice, FL
$500
2006 R
Cappelli, Angelo
Contributor Surgeon Ocala, FL

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 37 political contribution records found for John Galat. Total disclosed contributions amount to $26,000. Recipients include McClain, Stanley E Jr, Cappelli, Angelo. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

John M Galat

Age 53 Male
·
391 Peach Ave, Clovis, CA 93612 (Fresno County)
36.8249, -119.7180
Marital: Single TZ: Pacific
Occ: Management Edu: Some College
Multi-Family
MP

John A Galat

Male
·
1295 SW 37th Place Rd, Ocala, FL 34471 (Marion County)
29.1475, -82.1481
· (352) 427-2027
TZ: Eastern
Homeowner Single Family Built 2002 Purchased 2001
MP

John Galat

Male
·
32093 Calle Novelda, Temecula, CA 92592 (Riverside County)
33.4934, -117.1040
· (951) 699-4911
TZ: Pacific
Single Family
MP

John A Galat

Age 59 Male
·
121 Turtle Bay Ln, Ponte Vedra, FL 32082 (Saint Johns County)
29.9849, -81.3156
Marital: Single TZ: Eastern
Occ: Technical Edu: Some College
Homeowner Single Family Built 1996 Purchased 2016
MP

John R Galat

Age 63 Male
·
PO Box 1063, Temecula, CA 92593 (Riverside County)
33.5026, -117.1540
TZ: Pacific
Homeowner
MP

John C Galat

Age 31 Male
·
1257 Stonehedge Trail Ln, St Augustine, FL 32092 (Saint Johns County)
30.0479, -81.5168
TZ: Eastern
Homeowner Single Family Built 2005 Purchased 2014
MP

John M Galat

Age 72 Male
·
307 Blairsden Ct, Somerset, NJ 08873 (Somerset County)
40.5233, -74.5400
· (973) 403-9130
Marital: Married TZ: Eastern
Occ: Management Edu: Graduate School
Homeowner Single Family Built 2004 Purchased 2004

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with John Galat. 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 John Galat. These loans were issued to businesses, not individuals.

Dean Law Firm LLC

Limited Liability Company(LLC

$14,900 Paid in Full
Address:
230 NE 25TH AVE suite 300
Ocala, FL34470-35ND
Approved

Apr 13, 2020

Forgiven

$15,063

Jobs Reported

4

Loan #

4309397100

Loan Size

Small

Mary Catherine Landt, Attorney At Law

Sole Proprietorship

$19,423 Paid in Full
Address:
230 NE 25th Ave
Ocala, FL34470-9008
Approved

Apr 28, 2020

Forgiven

$19,638

Jobs Reported

2

Loan #

6981677207

Loan Size

Small

Jonathan S. Dean, P.a.

Corporation

$5,210 Paid in Full
Address:
230 NE 25th Ave
Ocala, FL34470-9009
Approved

Apr 29, 2020

Forgiven

$5,251

Jobs Reported

1

Loan #

2906487309

Loan Size

Small

Advantage Title, LLC

Limited Liability Company(LLC

$90,000 Paid in Full
Address:
230 NE 25th Ave
Ocala, FL34470-35ND
Approved

Apr 12, 2020

Forgiven

$90,745

Jobs Reported

8

Loan #

4057747101

Loan Size

Small

Dean And Dean, LLP

Limited Liability Partnership

$70,800 Paid in Full
Address:
230 NE 25TH AVE Suite 100
Ocala, FL34470-35ND
Approved

Apr 12, 2020

Forgiven

$71,390

Jobs Reported

5

Loan #

4045217109

Loan Size

Small

Susan E Dean, PA

Self-Employed Individuals

$5,210 Paid in Full
Address:
230 NE 25th Ave
Ocala, FL34470-9009
Approved

Apr 29, 2020

Forgiven

$5,251

Jobs Reported

1

Loan #

3041967305

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 6 PPP loan records are linked to businesses associated with John Galat. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find John Galat on the map

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Found 54 results across 10 states

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John Galat in Clovis, CA: Background Summary

Location
1500 Villa Ave Spc 68, Clovis Ca, Clovis, CA
Other Locations
Sandusky, OH · Caldwell, NJ · Philadelphia, PA and 21 more
Profiles Found
31 people with this name
Phone Numbers
(559) 668-2881 and 10 others on file
Email
johnnymag1964@yahoo.com
Career
Treasurer
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
6 linked — 2007 Volvo S40, 2007 Chevrolet Tahoe C1500 and 4 more
Contributions
$26.0K total — McClain, Stanley E Jr, Cappelli, Angelo
Licenses
2 professional licenses (Stone Crab Trap Registration - 1 year)
PPP Loans
$206K for Dean Law Firm LLC, Mary Catherine Landt, Attorney At Law

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 John Galat. Because public records are indexed by name rather than by a unique identifier, the 109 results displayed here may include information belonging to multiple individuals who share the same name — a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Property Records

Property records originate from county assessor and recorder offices, where real estate transactions, ownership transfers, and tax assessments are documented as a matter of public record. The assessed value shown for a property is the figure used by the county to calculate property taxes and frequently differs from the property's current market value — in many jurisdictions assessed values lag behind market conditions by several years. A property record updates whenever a new deed, lien, or assessment is filed with the county, so the ownership and valuation data shown here reflects the most recent filing available in our sources rather than a real-time snapshot.

Voter Registration

Voter registration data is maintained by state and county election offices and is considered public record under the election laws of most states. The party affiliation shown reflects the voter's registration at the time the record was filed; it does not necessarily indicate current political preferences, as voters may change their affiliation or register differently in subsequent elections. Not all states make their voter files publicly available — some restrict access or redact certain fields such as date of birth or residential address — so the completeness of voter data varies by state. Registration status (active or inactive) indicates whether the election office considers the registration current, not whether the person actually voted in recent elections.

Business and Professional Records

Business records are compiled from state Secretary of State filings, SEC EDGAR corporate disclosures, and professional networking data. When a person appears as an officer, director, or registered agent, it reflects a formal role filed with a government agency — these are legal positions of responsibility, not informal job titles. Records sourced from professional profiles represent information that individuals have chosen to make publicly available about their career history, skills, and affiliations. Business entity registrations show current or historical standing with the state, but a listing does not guarantee the entity is still actively operating.

Campaign Finance Contributions

Federal election law requires the disclosure of political contributions exceeding $200 to any single committee in a calendar year. These records are filed with the Federal Election Commission (FEC) and include the donor's name, mailing address, employer, occupation, and the amount contributed. Contributions to state and local candidates are governed by each state's campaign finance laws, which may set different disclosure thresholds. The data shown here reflects what was reported in official filings and may include contributions made over the course of many election cycles, so the dates and amounts should be read in their historical context.

Vehicle Records

Vehicle ownership records are obtained through sources that comply with the Driver's Privacy Protection Act (DPPA), the federal law that governs who may access motor vehicle records and for what purposes. The records shown indicate vehicles that have been registered to this individual through state DMV systems. Vehicle data may include make, model, year, and VIN, and reflects registration information at the time the record was filed. Vehicles that have been sold, traded, or transferred may still appear until the registration is updated in the state's records.

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 John Galat

Search Complexity: High

109 public records across 10states, belonging to approximately 31 different individuals. With 31 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: California (16%), followed by New Jersey and Florida. Spans the West and Northeast regions.

CA17recordsNJ12recordsFL10recordsOH4recordsPA4recordsOR2records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (40%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (37) and Vehicle Registration Records (6).

41
Contact & Address Records
37
Political Contribution Records
6
Vehicle Registration Records
6
PPP Loan Records
3
Property Ownership Records
3
Corporate Records

Age Distribution

Age range: approximately 49 years, suggesting multiple generations. Largest group: Senior (65+) (71%).

Senior (65+)10peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About John Galat

Is John Galat a registered voter?
Yes, voter registration records show John Galat is registered with R affiliation. We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does John Galat own property?
County assessor records show 3 properties associated with John Galat . 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 John Galat?
Records show 6 vehicle registrations associated with John Galat, including a 2007 VOLVO S40. Registered makes include Volvo, Chevrolet, Lexus, Honda. 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 John Galat?
We found 2 business affiliations for John Galat (TREASURER). Business records are compiled from state registries, SEC filings, and professional databases.
Has John Galat made political donations?
FEC disclosure records show 37 reported political contributions from John Galat, totaling $26,000. Recipients include McClain, Stanley E Jr and Cappelli, Angelo. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for John Galat?
Our database contains 109 total records for John Galat spanning 10 states. This includes 31 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 John Galat?
The 109 records displayed for John Galat 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 John Galat 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.