OpenDataUSA

Quick Navigation

Kathleen Strum from Lakewood, CO

Age 64 b. 1962 Female
📍 9377 W Iowa Cir
💼 2800
📞 (303) 667-3353 (Cell), (303) 989-1184, (303) 668-3488

Kathleen Strum from Milford, PA

Age 93 b. Apr 1933 Pike Co.
📍 116 Cottonwood Ct
📞 (570) 686-1657, (570) 898-0653

Kathleen Strum from Naperville, IL

Age 61
📍 1621 Kirby Ct, Naperville, IL 60563
📞 (708) 355-1508
👨‍👩‍👧 Relatives: Jerry S Strum

Kathleen Strum from Bronx, NY

Age 93 b. Apr 1933 Bronx Co.
📍 3333 Henry Hudson Pkwy Apt 20 B
📞 (707) 265-8311

Kathleen Strum from Springfield, VA

Age 81 b. Mar 1945 Fairfax Co.
📍 7729 Middle Valley Dr
📞 (703) 866-2426

Kathleen Strum from Newell, WV

Age 92
📍 20 Riverside Dr, Newell, WV 26050
📞 (304) 387-3265
👨‍👩‍👧 Relatives: Willis Vaine Strum

Kathleen Strum from Billings, MT

Age 68 b. Oct 1957 Yellowstone Co.
📍 3636 Spartan Cir
📞 (330) 848-3202

Kathleen Strum from Missoula, MT

Age 66 b. Sep 1959 Missoula Co.
📍 1349 Dickinson St B
📞 (701) 843-7718

Kathleen Strum from Nevada, IA

Age 79 b. Feb 1947 Story Co.
📍 2108 10th St
📞 (515) 382-4853

Kathleen Strum from Billings, MT

Age 70 b. 1956 Yellowstone Co.
📍 3448 Stone Brook Dr
📞 (406) 652-3499

Kathleen Strum from Shrewsbury, MA

Age 73 b. Jan 1953 Worcester Co.
📍 42 Neptune Dr
📞 (508) 842-9236

Kathleen Strum from Naperville, IL

Age 73 b. Jan 1953 Du Page Co.
📍 1621 Kirby Ct
📞 (630) 355-1508

Kathleen Strum from Bryn Mawr, PA

Age 103 b. Jun 1922 Delaware Co.
📍 732 Hamilton Rd

Kathleen Strum from Kingston, WA

Age 62 b. Jun 1963 Kitsap Co.
📍 26391 Highland Rd Ne

Kathleen Strum from Arlington, VA

Age 77 b. Sep 1948 Arlington Co.
📍 2111 Jeff Davis Hw

Kathleen Strum from Poulsbo, WA

Kitsap Co.
📍 3818 Sawdust Hill Rd Ne
📞 (360) 779-4332

Kathleen Strum from Alexandria, VA

Alexandria City Co.
📍 4659 Lambert Dr 620 N
📞 (502) 247-5252

Kathleen Strum from Vancouver, WA

Clark Co.
📍 12302 Ne 37th St
📞 (340) 714-2345

Kathleen Strum from Stony Brook, NY

Suffolk Co.
📍 Po Box 278

Kathleen Strum from Des Moines, IA

Polk Co.
📍 4533 University Ave C

Kathleen Strum from Milford, PA

Pike Co.
📍 5 Cottonwood Gold Key Ct

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 21 contact records for Kathleen Strum across 10 states. The most recent address on file is in Lakewood, Colorado. Of these records, 15 include phone numbers. Ages range from 61 to 92, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Strum Kathleen A

Worcester County
· 118 Arnold Road, Sturbridge Ma 1566
Built: 1942.0
Assessed: $207,200 · Sale: $100 (2004/01/01)

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

Kathleen E Strum

Democrat
3333 Henry Hudson Parkway, 0, 10463
DOB: 19330412 Gender: Female

Kathleen M Strum

Republican
19 Rainbow Park, 10, 14131
DOB: 19750503 Gender: Female

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Kathleen Strum. Records show affiliations with DEM, REP, which may reflect different individuals or changes over time. Voter data is released as public information under state election laws and reflects status at time of the state data release.

1989 GEO SPECTRUM CAR ENTRY LEVEL
· Registered to: Kathleen Strum
· VIN: J81RF2173K7505565
·
3213 Aspinwall Ct, North Las Vegas, NV, 89081
2008 Saturn Vue
· Registered to: Kathleen Strum
· VIN: 3GSCL33P88S670094
·
Po Box 504, Sturbridge, MA, 01566-0504
1997 DODGE CARAVAN MINIVAN PASSENGER
· Registered to: Kathleen Strum
·
2108 10th St, Nevada, IA, 50201

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 3 vehicle registration records are associated with Kathleen Strum. Registered makes include Geo, Saturn, Dodge. The most recent model year on record is 2008. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Kathleen Strum

United States

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

Kathleen M. Strum

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen M

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Kathleen M. Strum

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Kathleen M. Strum

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen M

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Kathleen M. Strum

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen M

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen M

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen M

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Kathleen M. Strum

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Kathleen M. Strum

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen M

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen M

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen M

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Kathleen M. Strum

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Strum, Kathleen

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Kathleen M. Strum

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA

Unknown Corporation

Addr: 1007 Waterbury Cir, Altoona, IA, 50009
IA
SECRETARY: Kathleen M. Strum

Unknown Corporation

Addr: Kingston, WA, 98346
Officer: Kathleen Strum

Source: Public Records Kathleen Strum appears in 26 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

$5 Mar 28, 2016
2016 DEM
Sanders, Bernard
Strum, Kathleen Administrative Assistant @ Swissport St Paul, MN
$10 Feb 10, 2016
2016 DEM
Sanders, Bernard
Strum, Kathleen Administrative Assistant @ Swissport St Paul, MN
$7 Mar 6, 2016
2016 DEM
Sanders, Bernard
Strum, Kathleen Administrative Assistant @ Swissport St Paul, MN
$10 Jan 23, 2016
2016 DEM
Sanders, Bernard
Strum, Kathleen Administrative Assistant @ Swissport St Paul, MN
$5 Jan 29, 2016
2016 DEM
Sanders, Bernard
Strum, Kathleen Administrative Assistant @ Swissport St Paul, MN
$50 Feb 2, 2012
2012
Iowa Certified Public Accountants Pac
Strum, Kathleen M Altoona, IA
$500 May 18, 2000
2000 DEM
Gore, Albert Jr
Strum, Kathleen M Pt Teacher @ College Of Dupage Naperville, IL
$1 Jan 23, 2016
2016 DEM
Actblue
Strum, Kathleen Administrative Assistant @ Swissport St Paul, MN
$5 Mar 9, 2016
2016 DEM
Sanders, Bernard
Strum, Kathleen Administrative Assistant @ Swissport St Paul, MN
$10 Feb 25, 2016
2016 DEM
Sanders, Bernard
Strum, Kathleen Administrative Assistant @ Swissport St Paul, MN
$5 Mar 19, 2016
2016 DEM
Sanders, Bernard
Strum, Kathleen Administrative Assistant @ Swissport St Paul, MN
$25 Oct 2, 2013
2014
Iowa Certified Public Accountants Pac
Strum, Kathleen M Altoona, IA
$15 Apr 8, 2016
2016 DEM
Sanders, Bernard
Strum, Kathleen Administrative Assistant @ Swissport St Paul, MN
$25 Dec 30, 2013
2014
Iowa Certified Public Accountants Pac
Strum, Kathleen M Altoona, IA
$10 Mar 2, 2016
2016 DEM
Sanders, Bernard
Strum, Kathleen Administrative Assistant @ Swissport St Paul, MN
$25 Oct 2, 2013
Iowa Certified Public Accountants Pac
Contributor Altoona, IA
$25
2014
Iowa Certified Public Accountants Pac
Contributor Altoona, IA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 17 political contribution records found for Kathleen Strum. Total disclosed contributions amount to $733. Recipients include Iowa Certified Public Accountants Pac. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Kathleen Strum

Female
·
1007 Waterbury Cir, Altoona, IA 50009 (Polk County)
41.6420, -93.4892
· (515) 957-4020
TZ: Central
Homeowner Single Family Built 1993 Purchased 2009
MP

Kathleen D Strum

Age 54 Female
·
7475 Madrona Dr NE, Bainbridge Is, WA 98110 (Kitsap County)
47.6314, -122.4930
Marital: Married TZ: Pacific
Edu: Some College
Single Family
MP

Kathleen M Strum

Age 28 Female
·
2377 Taylor Ave, Saint Paul, MN 55110 (Ramsey County)
45.1076, -93.0005
· (651) 332-9392
Marital: Single TZ: Central
Homeowner Single Family Built 1959 Purchased 1999
MP

Kathleen Strum

Age 57 Female
·
1017 N 29th St, Bismarck, ND 58501 (Burleigh County)
46.8153, -100.7480
· (701) 751-0801
Marital: Married TZ: Central
Occ: Professional Edu: High School
Homeowner Single Family Built 1968 Purchased 2007
MP

Kathleen M Strum

Age 64 Female
·
1621 Kirby Ct, Naperville, IL 60563 (Dupage County)
41.7949, -88.1928
· (630) 247-5919
Marital: Married TZ: Central
Edu: Graduate School
Homeowner Single Family Built 1986 Purchased 2013
MP

Kathleen L Strum

Age 59 Female
·
3448 Stone Brook Dr, Billings, MT 59101 (Yellowstone County)
45.7067, -108.6440
· (406) 698-8318
Marital: Married TZ: Mountain
Edu: Some College
Homeowner Single Family Built 2000 Purchased 2003
MP

Kathleen R Strum

Age 72 Female
·
7729 Middle Valley Dr, Springfield, VA 22153 (Fairfax County)
38.7449, -77.2312
· (703) 866-2426
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1979 Purchased 1993
MP

Kathleen J Strum

Age 54 Female
·
9377 W Iowa Cir, Denver, CO 80232 (Jefferson County)
39.6879, -105.1030
· (303) 668-0261
Marital: Married TZ: Mountain
Occ: White Collar Edu: Some College
Homeowner Single Family Built 1971 Purchased 1989

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 8 demographic profiles associated with Kathleen Strum. 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 Kathleen Strum. These loans were issued to businesses, not individuals.

Dunshaw Hearing Aid Center

Self-Employed Individuals

$11,481 Paid in Full
Address:
3333 Henry Hudson Parkway Ste 1c
Bronx, NY10463
Approved

May 7, 2020

Forgiven

$11,618

Jobs Reported

2

Loan #

3580617402

Loan Size

Small

Stanley Schoenbach,md

Sole Proprietorship

$6,125 Paid in Full
Address:
3333 Henry Hudson Parkway 1A
Bronx, NY10463
Approved

May 7, 2020

Forgiven

$6,158

Jobs Reported

1

Loan #

3519947408

Loan Size

Small

Leor Kadoch

Sole Proprietorship

$6,875 Paid in Full
Address:
3333 Henry Hudson Parkway 17w
Bronx, NY10463-3224
Approved

Jun 26, 2020

Forgiven

$6,958

Jobs Reported

1

Loan #

5050578009

Loan Size

Small

Dov Kahane, Dds

Sole Proprietorship

$27,300 Paid in Full
Address:
3333 Henry Hudson Parkway 1M
Riverdale, NY10463
Approved

May 1, 2020

Forgiven

$27,565

Jobs Reported

5

Loan #

7208767708

Loan Size

Small

Bronx Community Guardianship Network INC.

Non-Profit Organization

$40,938 Paid in Full
Address:
3333 Henry Hudson Parkway West 1D
Bronx, NY10463
Approved

Mar 20, 2021

Forgiven

$41,120

Jobs Reported

6

Loan #

6229558607

Loan Size

Small

David Bernstein D/B/A Kinnect Serivces

Sole Proprietorship

$6,912 Paid in Full
Address:
3333 Henry Hudson Parkway 1K
Bronx, NY10463
Approved

May 1, 2020

Forgiven

$6,988

Jobs Reported

1

Loan #

2884877709

Loan Size

Small

Uscher Management

Sole Proprietorship

$20,833 Paid in Full
Address:
3333 Henry Hudson Parkway Suite 1A
Bronx, NY10463
Approved

May 13, 2020

Forgiven

$20,942

Jobs Reported

1

Loan #

5879267408

Loan Size

Small

Michael Smith

Independent Contractors

$13,828 Exemption 4
Address:
3333 Henry Hudson Parkway Apt.2T 488 Madison Avenue, 19th Floor
Bronx, NY10463
Approved

Apr 28, 2020

Jobs Reported

1

Loan #

6885077204

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 8 PPP loan records are linked to businesses associated with Kathleen Strum. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Kathleen Strum 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
31
4
3
1
4
2
1
2
4
5
6
1

Found 68 results across 14 states

Fewer
More

Kathleen Strum in Milford, PA: Background Summary

Location
116 Cottonwood Ct, Milford, PA 18337
Other Locations
Lakewood, CO · Bronx, NY · Springfield, VA and 13 more
Profiles Found
21 people with this name
Phone Numbers
(303) 989-1184 and 17 others on file
Possible Relatives
Jerry S Strum, Willis Vaine Strum
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
3 linked — 1989 Geo Spectrum, 2008 Saturn Vue and 1 more
Contributions
$733 total — Iowa Certified Public Accountants Pac, Iowa Certified Public Accountants Pac
PPP Loans
$134K for Dunshaw Hearing Aid Center, Stanley Schoenbach,md

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 Kathleen Strum. Because public records are indexed by name rather than by a unique identifier, the 95 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 Kathleen Strum

Search Complexity: High

95 public records across 14states, belonging to approximately 21 different individuals. With 21 distinct profiles across 14 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 14 states. Highest concentration: Iowa (33%), followed by Washington and Virginia. Spans the Midwest and West regions.

IA31recordsWA6recordsVA5recordsIL4recordsPA4recordsMT4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (32%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Corporate Records (26) and Political Contribution Records (17).

28
Contact & Address Records
26
Corporate Records
17
Political Contribution Records
8
PPP Loan Records
3
Vehicle Registration Records
2
Voter Registration Records

Age Distribution

Age range: approximately 43 years, suggesting multiple generations. Largest group: Senior (65+) (83%).

Senior (65+)10peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Kathleen Strum

Is Kathleen Strum a registered voter?
Yes, voter registration records show Kathleen Strum is registered with DEM affiliation. We found 2 voter registration entries across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Kathleen Strum own property?
County assessor records show 1 property associated with Kathleen Strum . 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 Kathleen Strum?
Records show 3 vehicle registrations associated with Kathleen Strum, including a 1989 GEO SPECTRUM. Registered makes include Geo, Saturn, Dodge. 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 Kathleen Strum?
We found 2 business affiliations for Kathleen Strum. Business records are compiled from state registries, SEC filings, and professional databases.
Has Kathleen Strum made political donations?
FEC disclosure records show 17 reported political contributions from Kathleen Strum, totaling $733. Recipients include Iowa Certified Public Accountants Pac. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Kathleen Strum?
Our database contains 95 total records for Kathleen Strum spanning 14 states. This includes 21 distinct contact records, 15 with phone numbers. 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 Kathleen Strum?
The 95 records displayed for Kathleen Strum 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 Kathleen Strum 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.