Lamar Sheppard

Age 83 b. 1942-09-18
๐Ÿ“ 145 Laurel Grove Ln, Blowing Rock Nc
๐Ÿ“ž (828) 295-4754, (704) 577-5280
โœ‰๏ธ SHEPPAEL@GMAIL.COM

Lamar Sheppard

Age 45 b. 1980-11-19
๐Ÿ“ 508 Mccain Dr, Tyler Tx
๐Ÿ“ž (111) 111-0001, (903) 555-8221
โœ‰๏ธ LATOYAHAYTER@YAHOO.COM

Lamar Sheppard from Fort Lauderdale, FL

Age 45
๐Ÿ“ 2848 6th Ct #6, Fort Lauderdale, FL 33311
๐Ÿ“ž (954) 581-6586, (954) 581-6586, (954) 583-0590
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Sadie Ruth Sheppard,Alfred Sheppard,Alfred Sheppard,Jacqueline S Sheppard

Lamar Sheppard from Birmingham, AL

Age 65
๐Ÿ“ 5073 Pinehurst Ter, Birmingham, AL 35242
๐Ÿ“ž (205) 980-0515, (205) 822-4476, (205) 980-0515, (205) 988-0515
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Judith R Sheppard,Laura K Sheppard,Willard R Sheppard

Lamar Sheppard from Suisun City, CA

๐Ÿ“ 806 Cackling Dr
๐Ÿ“ž (408) 518-9909 (METROPCS)
โœ‰๏ธ BAYBOY220@AOL.COM

Lamar D Sheppard from Birmingham, AL

Age 73
๐Ÿ“ 5073 Pinehurst Terrace, Birmingham, AL 35242
๐Ÿ“ž (205) 980-0515

Lamar Sheppard from San Antonio, TX

Age 67 b. Aug 1958 Bexar Co.
๐Ÿ“ 4619 Belinda Lee St
๐Ÿ“ž (210) 661-6311

Lamar Sheppard from Bossier City, LA

Bossier Co.
๐Ÿ“ Po Box 8622
๐Ÿ“ž (319) 643-4240

Lamar Sheppard from Birmingham, AL

Age 78 b. 1948 Male
๐Ÿ“ 5073 Pinehurst Ter
๐Ÿ“ž (205) 980-0515

Lamar Sheppard from Birmingham, AL

Age 76 b. Jun 1949 Jefferson Co.
๐Ÿ“ 2120 White Way

Lamar Sheppard from Castro Valley, CA

Age 49 b. Nov 1976 Alameda Co.
๐Ÿ“ 21117 Gary Dr Apt 118

Lamar Sheppard from Atlanta, GA

Fulton Co.
๐Ÿ“ 250 Pharr Rd Ne
๐Ÿ“ž (407) 688-1724

Lamar Sheppard from Bakersfield, CA

Male
๐Ÿ“ 3401 Bathurst Ave

Lamar Sheppard from Salisbury, MD

Wicomico Co.
๐Ÿ“ 813 Mohawk Ave

Lamar Sheppard from Seneca, SC

Oconee Co.
๐Ÿ“ 253 Stonehaven Wa

Lamar Sheppard from Concord, NC

Cabarrus Co.
๐Ÿ“ 679 Abington Dr

Lamar Sheppard from Covington, GA

Newton Co.
๐Ÿ“ 65 Sheppard Rd
๐Ÿ‘ค aka Lamar E Sheppard, Edward L Sheppard

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 17 contact records for Lamar Sheppard across 9 states. The most recent address on file is in Suisun City, California. Of these records, 10 include phone numbers and 3 include email addresses. Ages range from 45 to 73, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Sheppard,lamar

Broward County
PIN: 504205060270
· 2736 NW 8 St, Unincorporated 33311
Value: $60,720

Sheppard Lamar D & Judith Reed

Shelby County
· 5073 Pinehurst Terrace, Alabaster-Helena

Sheppard,lamar

Broward County
PIN: 504205060270
· 2736 NW 8 St, Unincorporated
Built: 2006.0
Assessed: $138,720

Sheppard, Lamar

PIN: 3040123299
Assessed: $6,000

Sheppard, Lamar

PIN: 3040123299
Assessed: $6,000

Sheppard, Lamar

PIN: 3040014421
Assessed: $0

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 6 property records linked to Lamar Sheppard in Alabaster-Helena. Values shown are from county assessor records and may differ from current market prices.

lamar AUBURN sheppard

Republican Reg: 01/11/1990
Removed
DOB: 1967 Gender: Male
County: Cabarrus

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 1 voter registration record was found for Lamar Sheppard. Party affiliation is listed as REP. Voter data is released as public information under state election laws and reflects status at time of the state data release.

Sheppard Lamar & Sons Mulch

Owner
(706) 673-9567
Tunnel Hill, GA
Mobile Home Dealers, Garden Supply, Building Materials and Hardware (Construction)

Perner Sales International Inc

Lamar SheppardAdministrator
(402) 884-8981lamar.sheppard@yahoo.com
4506 N 49th St Apt 6, Omaha, NE68104
pernersales.com

Lamar Sheppard

United States

Perner Sales International Inc

Lamar SheppardAdministrator
(402) 884-8981lamar.sheppard@yahoo.com
4506 N 49th St Apt 6, Omaha, NE68104

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 6 business affiliations were found for Lamar Sheppard. Companies include Sheppard Lamar & Sons Mulch, Perner Sales International Inc. Roles listed include Administrator. Records are compiled from state business registries, SEC filings, and professional networking databases.

Sheppard, Lamar

Addr: Rt 1 Box 99, Kite, GA, 31049
GA Johnson County

Source: Public Records Lamar Sheppard appears in 1 corporate filing from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Lamar Sheppard

South High School - Bakersfield, CA, CA
2006

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Lamar Sheppard 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.

$100 Oct 31, 2024
Unknown Committee
Sheppard, Lamar Retired Blowing Rock, NC

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 1 political contribution record found for Lamar Sheppard. Total disclosed contributions amount to $100. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Lamar E Sheppard

Age 49 Male
·
2736 NW 8th St, Ft Lauderdale, FL 33311 (Broward County)
26.1318, -80.1792
· (863) 398-0112
Marital: Single TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 2006 Purchased 2006
MP

Lamar D Sheppard

Age 68 Male
·
5073 Pinehurst Ter, Birmingham, AL 35242 (Shelby County)
33.4028, -86.6864
Marital: Married TZ: Central
Occ: Insurance Edu: Some College
Homeowner Single Family Built 1979
MP

Lamar A Sheppard

Age 40 Male
·
250 Pharr Rd NE, Atlanta, GA 30305 (Fulton County)
33.8371, -84.3792
Marital: Single TZ: Eastern
Edu: Some College
Homeowner Multi-Family Built 2004 Purchased 2005

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 3 demographic profiles associated with Lamar Sheppard. 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 Lamar Sheppard. These loans were issued to businesses, not individuals.

Pier LLC

Sole Proprietorship

$9,640 Paid in Full
Address:
250 Pharr Rd NE
Atlanta, GA30305-2227
Approved

Feb 19, 2021

Forgiven

$9,690

Jobs Reported

1

Loan #

1570108504

Loan Size

Small

Prabhjot Phangura

Sole Proprietorship

$14,582 Paid in Full
Address:
250 Pharr Rd NE Apt 1103
Atlanta, GA30305-2276
Approved

Apr 22, 2021

Forgiven

$14,654

Jobs Reported

1

Loan #

7905238802

Loan Size

Small

Terell Webb

Sole Proprietorship

$20,833 Paid in Full
Address:
250 Pharr Rd NE
Atlanta, GA30305-2227
Approved

Mar 12, 2021

Forgiven

$20,949

Jobs Reported

1

Loan #

1130968609

Loan Size

Small

Sarai Mateo

Sole Proprietorship

$1,355 Paid in Full
Address:
250 Pharr Rd NE Apt 507
Atlanta, GA30305-2273
Approved

Feb 27, 2021

Forgiven

$1,366

Jobs Reported

1

Loan #

5350888500

Loan Size

Small

Jasmine Starks

Sole Proprietorship

$17,463 Paid in Full
Address:
250 Pharr Rd NE Apt 203
Atlanta, GA30305-2271
Approved

Feb 13, 2021

Forgiven

$17,659

Jobs Reported

1

Loan #

8740678408

Loan Size

Small

Rachiel Thompkins

Sole Proprietorship

$20,833 Paid in Full
Address:
250 Pharr Rd NE Apt 1103
Atlanta, GA30305-2276
Approved

Apr 11, 2021

Forgiven

$20,968

Jobs Reported

1

Loan #

2291778802

Loan Size

Small

Marlon Maxey

Sole Proprietorship

$18,321 Paid in Full
Address:
250 Pharr Rd NE
Atlanta, GA30305-2215
Approved

Apr 21, 2021

Forgiven

$18,493

Jobs Reported

1

Loan #

7559978808

Loan Size

Small

Alexis Forbes

Independent Contractors

$2,358 Paid in Full
Address:
250 Pharr Rd NE
Atlanta, GA30305-2227
Approved

Apr 19, 2021

Forgiven

$2,365

Jobs Reported

1

Loan #

6231748800

Loan Size

Small

Peachtree Networks INC.

Corporation

$39,322 Paid in Full
Address:
250 Pharr Rd NE Apt 2001
Atlanta, GA30305-2282
Approved

Feb 2, 2021

Forgiven

$39,517

Jobs Reported

2

Loan #

1490078410

Loan Size

Small

Amanda Marks

Sole Proprietorship

$8,595 Exemption 4
Address:
250 Pharr Rd NE Apt 204
Atlanta, GA30305-2271
Approved

Apr 13, 2021

Jobs Reported

1

Loan #

3037588803

Loan Size

Small

Roderiquic Thompkins

Single Member LLC

$20,833 Paid in Full
Address:
250 Pharr Rd NE Apt 1103
Atlanta, GA30305-2276
Approved

May 7, 2021

Forgiven

$20,920

Jobs Reported

1

Loan #

7444388906

Loan Size

Small

Anne Montgomery

Sole Proprietorship

$149,942 Paid in Full
Address:
250 Pharr Rd NE
Atlanta, GA30305-2227
Approved

Mar 28, 2021

Forgiven

$151,930

Jobs Reported

18

Loan #

2155108708

Loan Size

Small

Lia'S Love

Limited Liability Company(LLC

$2,500 Exemption 4
Address:
384 Ralph McGill Blvd NE Unit 213
Atlanta, GA30312-1265
Approved

Apr 22, 2021

Jobs Reported

1

Loan #

8716618804

Loan Size

Small

A&g Buys Junk Cars

Limited Liability Company(LLC

$20,832 Paid in Full
Address:
384 Ralph McGill Blvd NE Unit 207
Atlanta, GA30312-1265
Approved

May 14, 2021

Forgiven

$20,984

Jobs Reported

1

Loan #

2139929006

Loan Size

Small

Carlos Corbin

Sole Proprietorship

$20,832 Paid in Full
Address:
250 Pharr Rd NE Apt 203
Atlanta, GA30305-2271
Approved

Apr 6, 2021

Forgiven

$20,942

Jobs Reported

1

Loan #

7870248706

Loan Size

Small

Nifty Neighbor LLC

Single Member LLC

$20,833 Paid in Full
Address:
250 Pharr Rd NE
Atlanta, GA30305-2227
Approved

May 22, 2021

Forgiven

$19,251

Jobs Reported

1

Loan #

6414019008

Loan Size

Small

Pilar Lewiel

Sole Proprietorship

$20,832 Paid in Full
Address:
250 Pharr Rd NE
Atlanta, GA30305-2227
Approved

Mar 26, 2021

Forgiven

$20,958

Jobs Reported

1

Loan #

9939268601

Loan Size

Small

Hubert Tate And Company LLC

Sole Proprietorship

$20,833 Paid in Full
Address:
250 Pharr Rd NE Apt 1616
Atlanta, GA30305-2280
Approved

Mar 24, 2021

Forgiven

$20,937

Jobs Reported

1

Loan #

7921968602

Loan Size

Small

Ahmad Ragland

Independent Contractors

$19,535 Exemption 4
Address:
384 Ralph McGill Blvd NE
Atlanta, GA30312-1262
Approved

Apr 7, 2021

Jobs Reported

1

Loan #

7976648706

Loan Size

Small

Roderiquic Thompkins

Single Member LLC

$20,833 Paid in Full
Address:
250 Pharr Rd NE Apt 1103
Atlanta, GA30305-2276
Approved

May 23, 2021

Forgiven

$20,903

Jobs Reported

1

Loan #

6717679004

Loan Size

Small

Sarai Mateo

Sole Proprietorship

$1,339 Paid in Full
Address:
250 Pharr Rd Ne Apt 507
Atlanta, GA30305
Approved

May 9, 2020

Forgiven

$1,348

Jobs Reported

1

Loan #

4480617410

Loan Size

Small

Pier LLC

Sole Proprietorship

$20,833 Paid in Full
Address:
250 Pharr Rd NE
Atlanta, GA30305-2227
Approved

Apr 1, 2021

Forgiven

$20,922

Jobs Reported

1

Loan #

4555618706

Loan Size

Small

Tyrell Williams

Sole Proprietorship

$20,155 Paid in Full
Address:
250 Pharr Rd NE Apt 401
Atlanta, GA30305-2272
Approved

May 12, 2021

Forgiven

$20,299

Jobs Reported

1

Loan #

9748488910

Loan Size

Small

Hubert Tate And Company, LLC

Sole Proprietorship

$18,012 Paid in Full
Address:
250 Pharr Rd NE Apt 1011
Atlanta, GA30305-2276
Approved

May 1, 2020

Forgiven

$18,192

Jobs Reported

2

Loan #

7240147710

Loan Size

Small

Deshon Lawrence

Independent Contractors

$19,702 Paid in Full
Address:
250 Pharr Rd NE Apt 1709
Atlanta, GA30305-2280
Approved

May 13, 2021

Forgiven

$19,781

Jobs Reported

1

Loan #

1879939010

Loan Size

Small

Peachtree Networks, INC

Corporation

$36,459 Paid in Full
Address:
250 Pharr Rd NE Apt 2001
Atlanta, GA30305-2282
Approved

Apr 30, 2020

Forgiven

$36,779

Jobs Reported

4

Loan #

7699027310

Loan Size

Small

Jasmine Starks

Sole Proprietorship

$11,929 Exemption 4
Address:
250 Pharr Rd NE
Atlanta, GA30305-2227
Approved

Apr 15, 2021

Jobs Reported

1

Loan #

3969508801

Loan Size

Small

Byram Richardson

Sole Proprietorship

$20,833 Paid in Full
Address:
250 Pharr Rd NE Apt 2013
Atlanta, GA30305-2285
Approved

Apr 22, 2021

Forgiven

$20,939

Jobs Reported

1

Loan #

8320908801

Loan Size

Small

Byram Richardson

Sole Proprietorship

$20,833 Paid in Full
Address:
250 Pharr Rd NE Apt 2013
Atlanta, GA30305-2285
Approved

May 22, 2021

Forgiven

$20,886

Jobs Reported

1

Loan #

5719989002

Loan Size

Small

Rise Designory LLC

Limited Liability Company(LLC

$15,161 Paid in Full
Address:
250 Pharr Rd NE Apt 2108
Atlanta, GA30305-2285
Approved

May 9, 2020

Forgiven

$15,286

Jobs Reported

1

Loan #

4573657410

Loan Size

Small

Alexis Forbes

Independent Contractors

$2,358 Paid in Full
Address:
250 Pharr Rd NE
Atlanta, GA30305-2215
Approved

Mar 23, 2021

Forgiven

$2,367

Jobs Reported

1

Loan #

7214088610

Loan Size

Small

Alex McKenzie

Sole Proprietorship

$19,790 Exemption 4
Address:
384 Ralph McGill Blvd NE
Atlanta, GA30312-1262
Approved

May 12, 2021

Jobs Reported

1

Loan #

9594238901

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 32 PPP loan records are linked to businesses associated with Lamar Sheppard. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Lamar Sheppard on the map

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Lamar Sheppard in Blowing Rock, NC: Background Summary

Location
145 Laurel Grove Ln, Blowing Rock Nc, Blowing Rock, NC
Other Locations
Suisun City, CA ยท Birmingham, AL ยท San Antonio, TX and 8 more
Profiles Found
17 people with this name
Phone Numbers
(828) 295-4754 and 8 others on file
Email
sheppael@gmail.com and 2 others on file
Possible Relatives
Sadie Ruth Sheppard, Alfred Sheppard, Jacqueline S Sheppard, Judith R Sheppard, Laura K Sheppard and 1 more
Career
Administrator at Sheppard Lamar & Sons Mulch, Perner Sales International Inc
Voter Registration
Registered Republican
Properties
2properties owned
Contributions
$100 total
PPP Loans
$679K for Pier LLC, Prabhjot Phangura

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 Lamar Sheppard. Because public records are indexed by name rather than by a unique identifier, the 70 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.

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 Lamar Sheppard

Search Complexity: High

70 public records across 10states, belonging to approximately 17 different individuals. With 17 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 Property Ownership Records section may be most helpful for disambiguation because these records list property addresses and co-owners, which can help distinguish between individuals.

Geographic Distribution

Records are widely distributed across 10 states. Highest concentration: Alabama (7%), followed by Georgia and North Carolina. Spans the South and West regions.

AL5recordsGA5recordsNC5recordsFL4recordsCA4recordsNE3records

Record Type Breakdown

Data spans 7 record categories. Largest: PPP Loan Records (48%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (19) and Property Ownership Records (6).

32
PPP Loan Records
19
Contact & Address Records
6
Property Ownership Records
6
Business & Corporate Filings
1
Voter Registration Records
1
Corporate Records

Age Distribution

Age range: approximately 39 years, suggesting multiple generations. Largest group: Senior (65+) (63%).

Senior (65+)5peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Lamar Sheppard

Is Lamar Sheppard a registered voter?
Yes, voter registration records show Lamar Sheppard is registered with REP affiliation. We found 1 voter registration entry across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Lamar Sheppard own property?
County assessor records show 6 properties associated with Lamar Sheppard . 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 businesses are associated with Lamar Sheppard?
We found 6 business affiliations for Lamar Sheppard, including Sheppard Lamar & Sons Mulch. Other companies include Perner Sales International Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Lamar Sheppard made political donations?
FEC disclosure records show 1 reported political contribution from Lamar Sheppard, totaling $100. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Lamar Sheppard?
Our database contains 70 total records for Lamar Sheppard spanning 10 states. This includes 17 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 Lamar Sheppard?
The 70 records displayed for Lamar Sheppard 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 Lamar Sheppard 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.