Karim Simmons

๐Ÿ“ 550 Northridge Pkwy Apt 1111, Atlanta Ga
๐Ÿ“ž (470) 263-8481, (470) 263-8481, (313) 576-6253
โœ‰๏ธ WEE1939@OUTLOOK.COM, wee1939@outlook.com

Karim Simmons

๐Ÿ“ 98 Grandview Ln, Powder Spgs Ga
๐Ÿ“ž (732) 339-2486, (732) 339-2486
โœ‰๏ธ DALE2212017@OUTLOOK.COM, dale2212017@outlook.com

Karim Simmons

๐Ÿ“ 1420 Spring Hill Dr, Covington Ga
๐Ÿ“ž (770) 309-7998, (770) 787-5046
โœ‰๏ธ WATT1972@OUTLOOK.COM

Karim Simmons

๐Ÿ“ 51 Old Field Ct, Dallas Ga
๐Ÿ“ž (404) 218-6831, (770) 927-4226
โœ‰๏ธ WEE1939@OUTLOOK.COM

Karim Simmons

๐Ÿ“ 3860 Longlake Dr, Duluth Ga
๐Ÿ“ž (404) 218-6831, (770) 927-4226
โœ‰๏ธ WEE1939@OUTLOOK.COM

Karim Simmons

๐Ÿ“ 1420 Springhill Dr, Covi Ga 30016
๐Ÿ“ž (770) 309-7998, (770) 787-5046
โœ‰๏ธ WATT1972@OUTLOOK.COM

Karim Simmons from Bronx, NY

Age 58 b. Nov 1967 Bronx Co.
๐Ÿ“ 3574 Dekalb Ave Apt 2 I
๐Ÿ“ž (503) 382-8631

Karim Simmons from Philadelphia, PA

Age 50 b. Feb 1976 Philadelphia Co.
๐Ÿ“ 5238 Reinhard St
๐Ÿ“ž (606) 436-3266

Karim Simmons

๐Ÿ“ 3120 Willow Knolls, Peor Il 61614
๐Ÿ“ž (309) 648-0337
โœ‰๏ธ WATT1972@OUTLOOK.COM

Karim Simmons

๐Ÿ“ 1404 Justice Lake Dr, Joliet Il
๐Ÿ“ž (773) 619-8670, (773) 619-8670
โœ‰๏ธ WEE1939@OUTLOOK.COM

Karim Simmons

๐Ÿ“ 1004 Hunter Ridge Ln, Peachtree Cor Ga
๐Ÿ“ž (770) 318-0289, (770) 318-0289
โœ‰๏ธ DALE2212017@OUTLOOK.COM

Karim Simmons

๐Ÿ“ 3412 Mission Ridge, Atl Ga 30339
๐Ÿ“ž (678) 629-9225, (678) 629-9225
โœ‰๏ธ TEAMTHOMAS103112@GMAIL.COM

Karim Simmons

๐Ÿ“ 330 Arrowhead Blvd Apt 14d, Jonesboro Ga
๐Ÿ“ž (404) 512-0095, (404) 512-0095
โœ‰๏ธ BECAUSE2272@OUTOOOK.COM

Karim Simmons

๐Ÿ“ 3414 Mission Ridge Cir, Atlanta Ga
๐Ÿ“ž (678) 629-9225, (678) 629-9225
โœ‰๏ธ TEAMTHOMAS103112@GMAIL.COM

Karim Simmons

๐Ÿ“ 2001 Godby Rd Apt F4, Atlanta Ga
๐Ÿ“ž (770) 369-5887, (770) 369-5887
โœ‰๏ธ WEE1939@OUTLOOK.COM

Karim Simmons

๐Ÿ“ 107 Hardwood Ct, Maysville Ga
๐Ÿ“ž (678) 897-3644, (678) 897-3644
โœ‰๏ธ GIBSON661@OUTLOOK.COM

Karim Simmons

๐Ÿ“ 1370 Redford Dr Se, Atlanta Ga
๐Ÿ“ž (706) 956-0527, (706) 956-0527
โœ‰๏ธ WEE1939@OUTLOOK.COM

Karim Simmons

๐Ÿ“ 639 Garden Walk Blvd Apt 131, Atlanta Ga
๐Ÿ“ž (551) 264-2842, (551) 264-2842
โœ‰๏ธ GIBSON661@OUTLOOK.COM

Karim Simmons

๐Ÿ“ 1004 Hunters Ridge, Norc Ga 30092
๐Ÿ“ž (770) 318-0289, (770) 318-0289
โœ‰๏ธ DALE2212017@OUTLOOK.COM

Karim Simmons

๐Ÿ“ Apt 304, 3120 W Willow Knolls Dr, Peoria Il
๐Ÿ“ž (309) 648-0337
โœ‰๏ธ WATT1972@OUTLOOK.COM

Karim Simmons

๐Ÿ“ 1805 Howell Walk, Duluth Ga
๐Ÿ“ž (678) 308-0853, (678) 308-0853
โœ‰๏ธ BECAUSE2272@OUTOOOK.COM

Karim Simmons from Winter Springs, FL

0000 U
๐Ÿ“ 1295 Las Cruces Dr
๐Ÿ“ž (321) 203-2125

Karim Simmons from Oviedo, FL

Age 46
๐Ÿ“ 1691 Lakelet Loop, Oviedo, FL 32765

Karim Simmons from Orlando, FL

๐Ÿ“ 2706 Rivers End Rd
๐Ÿ“ž (407) 719-9435 (AT&T MOBILITY)

Karim Simmons from East Orange, NJ

๐Ÿ“ 9 S Maple Ave

Karim Simmons from Bronx, NY

Bronx Co.
๐Ÿ“ 3574 Dekalb Ave Apt 2

Karim Simmons from Chicago, IL

Cook Co.
๐Ÿ“ 510 E 45th St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 27 contact records for Karim Simmons across 5 states. The most recent address on file is in Bronx, New York. Of these records, 23 include phone numbers and 19 include email addresses. The listed age is 46. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Karim Simmons

Atlanta, 30314
DOB: 1/1/1972 Gender: Male
Congress: 005

Karim R Simmons

Independent
146-64 32 Avenue, 11354
DOB: 19671115 Gender: Male

Karim R Simmons

Reg: 303764858
146-64 32 Avenue, 11354
DOB: 19671115 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 3 voter registration records were found for Karim Simmons. Party affiliation is listed as IND. Voter data is released as public information under state election laws and reflects status at time of the state data release.

1995 DODGE NEON
ยท Registered to: Karim Simmons
ยท VIN: 1B3ES27C6SD184711
·
2706 Rivers End Rd, Orlando, FL, 32817

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 1 vehicle registration record is associated with Karim Simmons. Registered makes include Dodge. The most recent model year on record is 1995. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Kava King Products

Director Of Social Marketing And Brand Communications
+18006380082karim@kavakingproducts.com
Orlando,

Karim Simmons

Director Of Social Marketing And Brand
Casselberry, Florida, United States Graphic Design
14072355569.0

Karim Simmons

Art Director at Artygraphi ยท Orlando, Florida Area

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 6 business affiliations were found for Karim Simmons. Roles listed include Director Of Social Marketing And Brand Communications. Records are compiled from state business registries, SEC filings, and professional networking databases.

MP

Karim Simmons

Age 41
·
1691 Lakelet Loop, Oviedo, FL 32765 (Seminole County)
28.6413, -81.2454
Marital: Single TZ: Eastern
Single Family
MP

Karim Simmons

·
67 Rhine Ave, Staten Island, NY 10304 (Richmond County)
40.6118, -74.0863
· (646) 262-4498
TZ: Eastern
Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 2 demographic profiles associated with Karim Simmons. 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 Karim Simmons. These loans were issued to businesses, not individuals.

Tarius Smith

Self-Employed Individuals

$18,826 Paid in Full
Address:
5400 Memorial Dr Apt 4B
Stone Mountain, GA30083-3217
Approved

Apr 17, 2021

Forgiven

$18,932

Jobs Reported

1

Loan #

5233738807

Loan Size

Small

Jasmine Ponder

Self-Employed Individuals

$20,833 Exemption 4
Address:
5400 Memorial Dr Apt 21C
Stone Mountain, GA30083-3227
Approved

Apr 17, 2021

Jobs Reported

1

Loan #

5431708810

Loan Size

Small

Lens Saint Amand

Sole Proprietorship

$20,833 Paid in Full
Address:
5400 Memorial Dr Apt 6E
Stone Mountain, GA30083-3218
Approved

May 22, 2021

Forgiven

$20,925

Jobs Reported

1

Loan #

5892929010

Loan Size

Small

Aieshia Richardson

Sole Proprietorship

$11,457 Paid in Full
Address:
5400 Memorial Dr Apt 21D
Stone Mountain, GA30083-3227
Approved

Apr 22, 2021

Forgiven

$11,509

Jobs Reported

1

Loan #

8820888804

Loan Size

Small

Tamineka Williams

Self-Employed Individuals

$7,290 Paid in Full
Address:
5400 Memorial Dr Apt 18B
Stone Mountain, GA30083-3226
Approved

May 20, 2021

Forgiven

$7,311

Jobs Reported

1

Loan #

4692189003

Loan Size

Small

Jasmine Ponder

Self-Employed Individuals

$20,833 Exemption 4
Address:
5400 Memorial Dr Apt 21C
Stone Mountain, GA30083-3227
Approved

May 22, 2021

Jobs Reported

1

Loan #

6397729006

Loan Size

Small

Richard Stephens

Sole Proprietorship

$20,833 Exemption 4
Address:
5400 Memorial Dr Apt 3L
Stone Mountain, GA30083-3217
Approved

Apr 3, 2021

Jobs Reported

1

Loan #

6024438700

Loan Size

Small

Racina Perry

Self-Employed Individuals

$20,833 Paid in Full
Address:
5400 Memorial Dr Apt 13P
Stone Mountain, GA30083-3223
Approved

Apr 8, 2021

Forgiven

$21,029

Jobs Reported

1

Loan #

9232888704

Loan Size

Small

Racina Perry

Self-Employed Individuals

$29,166 Paid in Full
Address:
5400 Memorial Dr Apt 13P
Stone Mountain, GA30083-3223
Approved

May 7, 2021

Forgiven

$29,416

Jobs Reported

1

Loan #

7701428907

Loan Size

Small

Jasmine Burkett

Sole Proprietorship

$8,332 Exemption 4
Address:
5400 Memorial Dr Apt 6K
Stone Mountain, GA30083-3218
Approved

Apr 10, 2021

Jobs Reported

1

Loan #

1283528803

Loan Size

Small

Mamoudou Bility

Sole Proprietorship

$20,833 Paid in Full
Address:
5400 Memorial Dr Apt 20G
Stone Mountain, GA30083-3227
Approved

May 2, 2021

Forgiven

$20,904

Jobs Reported

1

Loan #

6532448906

Loan Size

Small

Richard Stephens

Sole Proprietorship

$29,166 Exemption 4
Address:
5400 Memorial Dr Apt 3L
Stone Mountain, GA30083-3217
Approved

Apr 19, 2021

Jobs Reported

1

Loan #

6063308808

Loan Size

Small

Chanfra Hardeman

Self-Employed Individuals

$20,833 Paid in Full
Address:
5400 Memorial Dr Apt 15H
Stone Mountain, GA30083-3216
Approved

Apr 21, 2021

Forgiven

$20,942

Jobs Reported

1

Loan #

7258608809

Loan Size

Small

Jakari Cason

Sole Proprietorship

$19,165 Paid in Full
Address:
5400 Memorial Dr Apt 17C
Stone Mountain, GA30083-3225
Approved

Mar 31, 2021

Jobs Reported

1

Loan #

3875548703

Loan Size

Small

Christopher Skrine

Sole Proprietorship

$5,286 Paid in Full
Address:
5400 Memorial Dr Apt 20A
Stone Mountain, GA30083-3226
Approved

May 17, 2021

Forgiven

$5,301

Jobs Reported

1

Loan #

2605399000

Loan Size

Small

Peachstate Overages LLC

Limited Liability Company(LLC

$15,625 Paid in Full
Address:
5400 Memorial Dr Apt 21A
Stone Mountain, GA30083-3227
Approved

May 12, 2021

Forgiven

$15,684

Jobs Reported

1

Loan #

9888938905

Loan Size

Small

Beatrice Brown

Sole Proprietorship

$12,500 Paid in Full
Address:
5400 Memorial Dr Apt 14A
Stone Mountain, GA30083-3223
Approved

Mar 2, 2021

Forgiven

$12,539

Jobs Reported

1

Loan #

6043758501

Loan Size

Small

Christopher Skrine

Sole Proprietorship

$5,286 Paid in Full
Address:
5400 Memorial Dr Apt 20A
Stone Mountain, GA30083-3226
Approved

May 5, 2021

Forgiven

$5,303

Jobs Reported

1

Loan #

7120958904

Loan Size

Small

Inked Up Custom Designs, LLC

Sole Proprietorship

$12,411 Paid in Full
Address:
5400 Memorial Dr Apt 16D
Stone Mountain, GA30083-3216
Approved

Apr 24, 2021

Forgiven

$12,459

Jobs Reported

1

Loan #

1399388909

Loan Size

Small

Trenika Kitchen

Sole Proprietorship

$20,833 Exemption 4
Address:
5400 Memorial Dr Apt 2G
Stone Mountain, GA30083-3216
Approved

May 22, 2021

Jobs Reported

1

Loan #

6231189010

Loan Size

Small

Dashawn Hamilton

Sole Proprietorship

$19,790 Paid in Full
Address:
5400 Memorial Dr Apt 7E
Stone Mountain, GA30083-3216
Approved

Apr 8, 2021

Forgiven

$19,869

Jobs Reported

1

Loan #

9442608710

Loan Size

Small

Mercedes Mahone

Self-Employed Individuals

$20,529 Exemption 4
Address:
5400 Memorial Dr Apt 6L
Stone Mountain, GA30083-3218
Approved

May 18, 2021

Jobs Reported

1

Loan #

3282769003

Loan Size

Small

Malique Perdue

Sole Proprietorship

$6,665 Paid in Full
Address:
5400 Memorial Dr Apt 17H
Stone Mountain, GA30083-3225
Approved

Apr 22, 2021

Forgiven

$6,723

Jobs Reported

1

Loan #

7975408800

Loan Size

Small

Caetano Joaquim

Self-Employed Individuals

$20,833 Exemption 4
Address:
5400 Memorial Dr Apt 19A
Stone Mountain, GA30083-3226
Approved

Apr 11, 2021

Jobs Reported

1

Loan #

2240568809

Loan Size

Small

Jamilya Bibbs

Sole Proprietorship

$20,457 Paid in Full
Address:
5400 Memorial Dr Apt 3K
Stone Mountain, GA30083-3217
Approved

Mar 25, 2021

Forgiven

$20,544

Jobs Reported

1

Loan #

8955888605

Loan Size

Small

Richard Watts

Sole Proprietorship

$6,250 Paid in Full
Address:
5400 Memorial Dr Apt 23K
Stone Mountain, GA30083-3228
Approved

May 12, 2021

Forgiven

$6,320

Jobs Reported

1

Loan #

9439828901

Loan Size

Small

Tisa Davis

Self-Employed Individuals

$20,833 Paid in Full
Address:
5400 Memorial Dr Apt 10C
Stone Mountain, GA30083-3221
Approved

Mar 31, 2021

Forgiven

$20,913

Jobs Reported

1

Loan #

4025088705

Loan Size

Small

Martha Jones

Sole Proprietorship

$1,562 Exemption 4
Address:
5400 Memorial Dr Apt 26A
Stone Mountain, GA30083-3229
Approved

Apr 15, 2021

Jobs Reported

1

Loan #

4110118804

Loan Size

Small

Trenika Kitchen

Sole Proprietorship

$20,833 Exemption 4
Address:
5400 Memorial Dr Apt 2G
Stone Mountain, GA30083-3216
Approved

Apr 21, 2021

Jobs Reported

1

Loan #

7196458805

Loan Size

Small

Martha Jones

Sole Proprietorship

$1,562 Exemption 4
Address:
5400 Memorial Dr Apt 26A
Stone Mountain, GA30083-3229
Approved

Mar 16, 2021

Jobs Reported

1

Loan #

3297248606

Loan Size

Small

Chanfra Hardeman

Self-Employed Individuals

$20,833 Paid in Full
Address:
5400 Memorial Dr Apt 15H
Stone Mountain, GA30083-3295
Approved

Mar 31, 2021

Forgiven

$20,954

Jobs Reported

1

Loan #

3233468701

Loan Size

Small

Dejalei Abdullah

Sole Proprietorship

$20,833 Paid in Full
Address:
5400 Memorial Dr Apt 18C
Stone Mountain, GA30083-3226
Approved

May 22, 2021

Forgiven

$20,946

Jobs Reported

1

Loan #

5691009009

Loan Size

Small

Caetano Joaquim

Self-Employed Individuals

$20,833 Exemption 4
Address:
5400 Memorial Dr Apt 19A
Stone Mountain, GA30083-3226
Approved

May 11, 2021

Jobs Reported

1

Loan #

8653848903

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 33 PPP loan records are linked to businesses associated with Karim Simmons. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Karim Simmons 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
5
3
2
1
3
1

Karim Simmons in Atlanta, GA: Background Summary

Location
550 Northridge Pkwy Apt 1111, Atlanta Ga, Atlanta, GA
Other Locations
Bronx, NY ยท Philadelphia, PA ยท Winter Springs, FL and 4 more
Profiles Found
27 people with this name
Phone Numbers
(470) 263-8481 and 20 others on file
Email
wee1939@outlook.com and 5 others on file
Career
Director Of Social Marketing And Brand Communications
Voter Registration
Registered Independent
Vehicles
1 linked โ€” 1995 Dodge Neon
PPP Loans
$543K for Tarius Smith, Jasmine Ponder

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 Karim Simmons. Because public records are indexed by name rather than by a unique identifier, the 74 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.

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 Karim Simmons

Search Complexity: High

74 public records across 6states, belonging to approximately 27 different individuals. With 27 distinct profiles across 6 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 6 states. Highest concentration: Florida (7%), followed by Georgia and New York. Spans the South and Northeast regions.

FL5recordsGA3recordsNY3recordsIL2recordsNJ1recordPA1record

Record Type Breakdown

Data spans 5 record categories. Largest: PPP Loan Records (46%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (29) and Business & Corporate Filings (6).

33
PPP Loan Records
29
Contact & Address Records
6
Business & Corporate Filings
3
Voter Registration Records
1
Vehicle Registration Records

Frequently Asked Questions About Karim Simmons

Is Karim Simmons a registered voter?
Yes, voter registration records show Karim Simmons is registered. We found 3 voter registration entries across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
What vehicles are registered to Karim Simmons?
Records show 1 vehicle registration associated with Karim Simmons, including a 1995 DODGE NEON. 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 Karim Simmons?
We found 6 business affiliations for Karim Simmons (Director Of Social Marketing And Brand Communications). Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Karim Simmons?
Our database contains 74 total records for Karim Simmons spanning 6 states. This includes 27 distinct contact records, 23 with phone numbers, 19 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 Karim Simmons?
The 74 records displayed for Karim Simmons 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 Karim Simmons 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.