Jordan Downey

Age 34 b. 1991-05-12
๐Ÿ“ Apt 3109, 2928 W Royal Ln, Irving Tx
๐Ÿ“ž (469) 247-1945, (972) 655-4236
โœ‰๏ธ BOBBIEDOWNEY@YAHOO.COM, bobbiedowney@yahoo.com

Jordan Downey

Age 31 b. 1995-02-09
๐Ÿ“ 1990 Grande Cir Apt 41, Fairfield Ca
๐Ÿ“ž (619) 517-5959, (619) 517-4831
โœ‰๏ธ JORDANTDOWNEY@GMAIL.COM, jordantdowney@gmail.com

Jordan Downey

Age 34 b. 1991-12-05
๐Ÿ“ 5416 Ramsey Dr, The Colony Tx
๐Ÿ“ž (214) 734-1761, (214) 734-1797
โœ‰๏ธ JORDAND2010@YAHOO.COM

Jordan Downey

Age 63 b. 1963-04-19
๐Ÿ“ 1299 Sw Dyer Point Rd, Palm City Fl
๐Ÿ“ž (321) 229-2028
โœ‰๏ธ JORDAN.DOWNEY@PWR.UTC.COM

Jordan Downey from Okeechobee, FL

Age 51
๐Ÿ“ 13801 Us Highway 441 #27, Okeechobee, FL 34974
๐Ÿ“ž (407) 396-2342, (305) 872-2857, (407) 396-2342, (772) 288-1370, (708) 355-1026, (630) 355-1087, (843) 216-0859

Jordan Downey

๐Ÿ“ 1327 181st, Elkhorn Ne 68022
๐Ÿ“ž (402) 740-4390, (402) 740-2787
โœ‰๏ธ DOWNEYCPA@GMAIL.COM

Jordan Downey

๐Ÿ“ 1327 N 181st St, Elkhorn Ne
๐Ÿ“ž (402) 740-4390, (402) 740-2787
โœ‰๏ธ DOWNEYCPA@GMAIL.COM

Jordan Downey from Summrlnd Key, FL

Age 63 b. Apr 1963 Monroe Co.
๐Ÿ“ 28465 Jolly Roger Dr
๐Ÿ“ž (305) 872-2857
๐Ÿ‘ค aka Jordan L Powney

Jordan Downey from Southern Pines, NC

Age 35 b. Nov 1990
๐Ÿ“ 360 E Maine Ave
๐Ÿ“ž (907) 201-1288

Jordan Downey from Tampacen, FL

Male
๐Ÿ“ 10178 Sailwinds Blvd S
๐Ÿ“ž (813) 393-8499 (SPRINT)

Jordan Downey from Benton, AR

Age 49 b. 1977 U
๐Ÿ“ 11 Azalea Cir
๐Ÿ“ž (501) 860-4447

Jordan Downey from Hudson, IA

Age 63 b. Apr 1963 Black Hawk Co.
๐Ÿ“ 127 Main St

Jordan Downey from Scottsdale, AZ

Age 33 b. 1993 Male
๐Ÿ“ 15608 N 71st St Apt 250

Jordan Downey from Overland Park, KS

Johnson Co.
๐Ÿ“ 13218 W 107th Ter

Jordan Downey from Reedsville, WI

Manitowoc Co.
๐Ÿ“ 2604 Quarry Rd

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 16 contact records for Jordan Downey across 8 states. The most recent address on file is in Summrlnd Key, Florida. Of these records, 12 include phone numbers and 6 include email addresses. The listed age is 51. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Downey Jordan L & Phyllis K

Okeechobee County
PIN: 1-35-37-35-0020-00000-0400
· 3601 SE 23rd Ave, Okeechobee 34974
Value: $43,967

Downey Jordan R

Douglas County
· 1327 N 181 St, Chicago

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 2 property records linked to Jordan Downey in Chicago. Values shown are from county assessor records and may differ from current market prices.

Jordan M Downey

Republican Reg: 12/27/2012
206 Butler Ave, Bedford, PA, 15522
DOB: 11/11/1987 Gender: Male

Jordan J Downey

Unaffiliated
Anchorage
Gender: M

Jordan Whitney Downey

11 Azalea Circle, Benton, AR, 72019

Jordan L Downey

1299 SW Dyer Point Rd, Palm City, , 34990

Jordan Guy Downey

Democrat
1300 Gittings Ave, Baltimore, MD, 21239
Gender: Male
County: Baltimore City

Jordan A Downey

County: Franklin

jordan RYAN downey

Democrat Reg: 03/19/2012
8198 Charlie Stovall Rd, Oxford, NC, 27565
DOB: 1994 Gender: Male
County: Granville

Jordan M Downey

206 Butler Ave
DOB: 11/11/1987 Gender: Male

Jordan Lee Downey

Reg: 09/17/2012
3100 168th Ave, Vancouver, WA, 98683
DOB: 12/31/1993 Gender: Male
County: CR

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 9 voter registration records were found for Jordan Downey in Pennsylvania, Arkansas, and 3 other states. Records show affiliations with R, U, DEM, which may reflect different individuals or changes over time. 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.

2008 MERCEDES-BENZ GL-CLASS
ยท Registered to: Jordan Downey
ยท VIN: 4JGBF22E08A353545
·
1299 SW Dyer Point Rd, Palm City, FL, 34990
2008 MAZDA TRIBUTE
ยท Registered to: Jordan Downey
ยท VIN: 4F2CZ02Z38KM01430
·
2604 Quarry Rd, Reedsville, WI, 54230-9342
2013 Chevrolet Silverado 1500
ยท Registered to: Jordan Downey
ยท VIN: 1GCRCSE09DZ316808
·
24250 N 23rd Ave, Phoenix, AZ, 85085
·
(623) 693-1704
2011 TOYOTA COROLLA
ยท Registered to: Jordan Downey
ยท VIN: 2T1BU4EE3BC626000
·
3868 Jisco West Rd, Jackson, OH, 45640-9682
2015 Toyota Camry Le/Xle/Se/Xse
ยท Registered to: Jordan Downey
ยท VIN: 4T4BF1FK5FR489326
·
3868 Jisco West Rd, Jackson, OH, 45640-9682
2013 Chevrolet Cruze
ยท Registered to: Jordan Downey
ยท VIN: 1G1PA5SH6D7310526
·
24250 N 23rd Ave, Phoenix, AZ, 85085
·
(623) 693-1704
1997 FORD F150 PICKUP
ยท Registered to: Jordan Downey
ยท VIN: 1FTDX18W9VNB26363
·
5023 N 128th St, Omaha, NE, 68164
2007
ยท Registered to: Jordan Downey
ยท VIN: JS1GN7DA772101508
·
12409 Uplander St NW, Coon Rapids, MN, 55448-2688

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 8 vehicle registration records are associated with Jordan Downey. Registered makes include Mercedes-Benz, Mazda, Chevrolet, Toyota and others. The most recent model year on record is 2015. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Business Record

jordandowney21209@gmail.com

Combat Veterans Motorcycle

Jordan DowneyPublic Relat
Pulaski, WI

Jordan Downey

Nanny
Kiwioz Nanny And Au Pair Agency London
Southland, New Zealand Staffing And Recruiting

Jordan Downey

Business Customer Advisor
Belfast

Creative Communications Inc

Jordan DowneyPresident
(502) 345-7375jordan.downey@gmail.com
6602 Watch Hill Rd, Louisville, KY40228
crecominc.com

Jordan Downey

Piercer ยท Belton, Texas

Creative Communications Inc

Jordan DowneyPresident
(502) 345-7375jordan.downey@gmail.com
6602 Watch Hill Rd, Louisville, KY40228

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 15 business affiliations were found for Jordan Downey. Companies include Kiwioz Nanny And Au Pair Agency London, Creative Communications Inc. Roles listed include Null and Public Relat. Records are compiled from state business registries, SEC filings, and professional networking databases.

๐Ÿ›๏ธ

Jordan Downey

2021
Election Worker
Department: Board Of Election Poll Workers
๐Ÿ’ต Pay: $1.00

Source: City/State Transparency Portals ยท Government Payroll Databases ยท Open Data Portals Jordan Downey appears in 1 government employment record from city, state, or federal transparency portals. Salary figures reflect taxpayer-funded public employee compensation and may not include overtime or benefits.

Jordan J Downey

Group Tour
Jun 28, 2014, 01:30 PM
ยท WH

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA Jordan Downey appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

Jordan Downey

Murray County High School - Chatsworth, GA, GA
2009

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Jordan Downey 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.

$2 Sep 25, 2020
2020 DEM
Greenfield, Theresa
Downey, Jordan Last Mile Health New York, NY
$2 Sep 25, 2020
2020 DEM
Ossoff, T. Jonathan
Downey, Jordan Last Mile Health New York, NY
$2 Sep 25, 2020
2020 DEM
Bollier, Barbara
Downey, Jordan Last Mile Health New York, NY
$2 Feb 16, 2016
2016 DEM
Actblue
Downey, Jordan Analyst @ The Dedham Group New York, NY
$2 Sep 25, 2020
2020 DEM
Cunningham, Cal
Downey, Jordan Last Mile Health New York, NY
$15 Feb 16, 2016
2016 DEM
Sanders, Bernard
Downey, Jordan Analyst @ The Dedham Group New York, NY
$2 Feb 16, 2016
DEM
Actblue
Contributor Analyst @ The Dedham Group New York, NY

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 7 political contribution records found for Jordan Downey. Total disclosed contributions amount to $25. Recipients include Actblue. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Jordan B Downey

Age 33 Female
·
702 E 13th St, Georgetown, TX 78626 (Williamson County)
30.6323, -97.6704
· (512) 591-4376
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1946
MP

Jordan Downey

Age 23 Male
·
786 Pinon Oak Dr, Prescott, AZ 86305 (Yavapai County)
34.6235, -112.4580
Marital: Single TZ: Mountain
Homeowner Single Family Built 2002 Purchased 2016
MP

Jordan M Downey

Age 29 Male
·
569 E Watson St, Bedford, PA 15522 (Bedford County)
40.0118, -78.4934
Marital: Married TZ: Eastern
Single Family
MP

Jordan R Downey

Age 23 Male
·
611 SW 7th Ave, Ft Lauderdale, FL 33315 (Broward County)
26.1144, -80.1501
· (954) 804-7119
Marital: Single TZ: Eastern
Homeowner Single Family Built 1994 Purchased 2006
MP

Jordan S Downey

Age 27 Male
·
4164 Dream Catcher Dr, Woodstock, GA 30189 (Cherokee County)
34.1222, -84.5322
· (404) 980-3080
Marital: Single TZ: Eastern
Homeowner Single Family Built 1997 Purchased 2006
MP

Jordan Downey

Male
·
714-B 7th St NE, Washington, DC 20002 (District of Columbia County)
38.8995, -76.9962
TZ: Eastern
Single Family
MP

Jordan Downey

Male
·
2381 SE 23rd Ter, Okeechobee, FL 34974 (Okeechobee County)
27.2212, -80.8042
TZ: Eastern
Homeowner Single Family Built 1990 Purchased 2008
MP

Jordan Downey

Male
·
8722 Delgany Ave, Playa Del Rey, CA 90293 (Los Angeles County)
33.9557, -118.4390
TZ: Pacific
Multi-Family
MP

Jordan Downey

Age 24 Male
·
250 Crossbow Dr, Columbia, SC 29212 (Lexington County)
34.0825, -81.1655
Marital: Single TZ: Eastern
Multi-Family
MP

Jordan G Downey

Age 27 Male
·
10067 Padua Way, Owings Mills, MD 21117 (Baltimore County)
39.4250, -76.7779
· (443) 794-4490
Marital: Single TZ: Eastern
Single Family
MP

Jordan Downey

Male
·
912 Crocus Ct, Lexington, KY 40511 (Fayette County)
38.0924, -84.5300
TZ: Eastern
Single Family
MP

Jordan W Downey

Age 40 Male
·
11 Azalea Cir, Benton, AR 72019 (Saline County)
34.5816, -92.5892
· (501) 860-4447
Marital: Married TZ: Central
Homeowner Single Family Built 1979 Purchased 1998
MP

Jordan A Downey

Age 19 Male
·
139 E Vine St, Sullivan, MO 63080 (Franklin County)
38.2112, -91.1554
Marital: Single TZ: Central
Single Family
MP

Jordan Downey

Age 22 Male
·
238 Dartmore Ln, Dawsonville, GA 30534 (Dawson County)
34.4744, -84.0649
· (706) 216-8302
Marital: Single TZ: Eastern
Single Family
MP

Jordan J Downey

Age 26 Male
·
1004 Post Rd, Springfield, IL 62712 (Sangamon County)
39.6778, -89.6439
TZ: Central
Single Family
MP

Jordan Downey

Age 26 Male
·
12928 Fm 279, Chandler, TX 75758 (Henderson County)
32.2481, -95.5450
Marital: Single TZ: Central
Single Family
MP

Jordan R Downey

Age 22 Male
·
8198 Charlie Stovall Rd, Oxford, NC 27565 (Granville County)
36.4600, -78.7545
· (919) 693-7929
Marital: Single TZ: Eastern
Homeowner Single Family
MP

Jordan R Downey

Age 26 Male
·
2020 Santa Anita Ave, Placentia, CA 92870 (Orange County)
33.8990, -117.8660
· (714) 290-2391
Marital: Single TZ: Pacific
Homeowner Single Family Built 1964 Purchased 1990
MP

Jordan Downey

Age 25 Male
·
6110 Saintsbury Dr, The Colony, TX 75056 (Denton County)
33.0597, -96.8487
Marital: Single TZ: Central
Edu: Some College
Multi-Family
MP

Jordan Downey

Male
·
3524 Jisco West Rd, Jackson, OH 45640 (Jackson County)
39.0261, -82.7048
· (740) 286-3910
Marital: Married TZ: Eastern
Homeowner Single Family Built 1974
MP

Jordan Downey

Male
·
25272 Riffleford Sq, Chantilly, VA 20152 (Loudoun County)
38.9181, -77.5123
TZ: Eastern
Multi-Family
MP

Jordan K Downey

Male
·
550A Lee Ct, Fond Du Lac, WI 54935 (Fond Du Lac County)
43.7836, -88.4688
Marital: Single TZ: Central
Multi-Family
MP

Jordan Downey

Age 33 Male
·
2604 Quarry Rd, Reedsville, WI 54230 (Manitowoc County)
44.0701, -87.9276
· (530) 635-2527
TZ: Central
Homeowner Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 23 demographic profiles associated with Jordan Downey. 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 Jordan Downey. These loans were issued to businesses, not individuals.

Action Equipment Finance CORP

Subchapter S Corporation

$5,717 Paid in Full
Address:
13801 US Highway 441 SE
Okeechobee, FL34974
Approved

May 1, 2020

Forgiven

$5,750

Jobs Reported

1

Loan #

3690867702

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 1 PPP loan record is linked to businesses associated with Jordan Downey. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Jordan Downey on the map

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Jordan Downey in Irving, TX: Background Summary

Location
Apt 3109, 2928 W Royal Ln, Irving Tx, Irving, TX
Other Locations
Summrlnd Key, FL ยท Southern Pines, NC ยท Tampacen, FL and 5 more
Profiles Found
16 people with this name
Phone Numbers
(469) 247-1945 and 14 others on file
Email
bobbiedowney@yahoo.com and 4 others on file
Possible Relatives
D Downey, Danielle R Downey, Donna R Downey, Julia K Downey, Lacey Downey and 34 more
Career
Public Relat, President at Kiwioz Nanny And Au Pair Agency London, Creative Communications Inc
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
8 linked โ€” 2008 Mercedes-Benz Gl-Class, 2008 Mazda Tribute and 6 more
Contributions
$25.13 total โ€” Actblue
PPP Loans
$5,717 for Action Equipment Finance CORP
White House
1 recorded visit

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 Jordan Downey. Because public records are indexed by name rather than by a unique identifier, the 87 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 Jordan Downey

Search Complexity: High

87 public records across 22states, belonging to approximately 16 different individuals. With 16 distinct profiles across 22 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county โ€” highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 22 states. Highest concentration: Florida (8%), followed by Wisconsin and Texas. Spans the South and Midwest regions.

FL7recordsWI5recordsTX4recordsKY4recordsAR3recordsAZ3records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (31%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (15) and Voter Registration Records (9).

19
Contact & Address Records
15
Business & Corporate Filings
9
Voter Registration Records
8
Vehicle Registration Records
7
Political Contribution Records
2
Property Ownership Records

Age Distribution

Age range: approximately 32 years, suggesting multiple generations. Largest group: Middle-Age (40-64) (40%).

Middle-Age (40-64)2peopleYounger Adult (25-39)3people

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

Frequently Asked Questions About Jordan Downey

Is Jordan Downey a registered voter?
Yes, voter registration records show Jordan Downey is registered in Pennsylvania with R affiliation. We found 9 voter registration entries across 6 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Jordan Downey own property?
County assessor records show 2 properties associated with Jordan Downey . 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 Jordan Downey?
Records show 8 vehicle registrations associated with Jordan Downey, including a 2008 MERCEDES-BENZ GL-CLASS. Registered makes include Mercedes-Benz, Mazda, Chevrolet, Toyota. 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 Jordan Downey?
We found 15 business affiliations for Jordan Downey (null). Other companies include Creative Communications Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Jordan Downey made political donations?
FEC disclosure records show 7 reported political contributions from Jordan Downey, totaling $25. Recipients include Actblue. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Jordan Downey?
Our database contains 87 total records for Jordan Downey spanning 22 states. This includes 16 distinct contact records, 12 with phone numbers, 6 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 Jordan Downey?
The 87 records displayed for Jordan Downey 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 Jordan Downey 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.