Leo Ridge

๐Ÿ“ 1955 Popps Ferry Rd Apt M1067, Biloxi Ms
๐Ÿ“ž (111) 111-0001, (228) 229-0573, (601) 325-0422
โœ‰๏ธ RIDGEDE@GMAIL.COM, ridgede@gmail.com

Leo Ridge from Biloxi, MS

Age 51
๐Ÿ“ 13415 Lorraine Rd, Biloxi, MS 39532
๐Ÿ“ž (601) 545-1251, (228) 354-9569, (601) 796-8554, (601) 268-1082, (601) 545-1251, (601) 680-6427
โœ‰๏ธ deridge@hotmail.com, leoridge@hotmail.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Deanne R Ridge,Margaret R Ridge,Melanie R Penton,Jr Leo Ridge

Leo Ridge from Lumberton, MS

Age 77
๐Ÿ“ 409 Rr 2, Lumberton, MS 39455
๐Ÿ“ž (601) 796-8554, (601) 796-8554
โœ‰๏ธ mridge79@comcast.net
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Margaret R Ridge,Melanie R Penton,Jennifer A Ridge,Jr Leo Ridge

Leo Ridge from Kiln, MS

Age 64
๐Ÿ“ 6073 Kiowa St, Kiln, MS 39556
๐Ÿ“ž (228) 586-5835, (228) 586-1906, (504) 394-2026, (228) 586-1906, (228) 586-5103, (228) 586-5835, (504) 394-9406
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Mark Ridge,Donna S Ridge,Donn Ridge,Steven M Ridge

Leo Ridge from Belle Chasse, LA

0
๐Ÿ“ 410 Moncla Ave, Belle Chasse, LA 70037
๐Ÿ“ž (504) 394-9406
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Steven Mark Ridge,Donna M Ridge

Leo Ridge from Pascagoula, MS

Age 63 b. Sep 1962 Jackson Co.
๐Ÿ“ 3601 Beach Blvd Apt 642
๐Ÿ“ž (228) 354-9569

Leo Ridge from Walker, LA

Age 76 b. Jan 1950
๐Ÿ“ 12456 Winter Ridge Dr
๐Ÿ“ž (225) 667-3687
๐Ÿ‘ค aka Leo Mark Ridge, Mark R Ridge, Leo Mark Ridge D

Leo Ridge

๐Ÿ“ 104 3rd, Hattiesburg Ms 39401
๐Ÿ“ž (601) 325-0422, (228) 229-0573
โœ‰๏ธ RIDGEDE@GMAIL.COM

Leo Ridge from Belle Chasse, LA

Plaquemines Co.
๐Ÿ“ 410 Moncla Ave
๐Ÿ“ž (773) 960-3576

Leo Ridge from Hot Springs, AR

Male
๐Ÿ“ 18 Cullerendo Way
๐Ÿ“ž (501) 339-7640 (AT&T MOBILITY)

Leo Ridge from Purvis, MS

Age 89 b. Aug 1936 Lamar Co.
๐Ÿ“ 23 Difatta Ln

Leo Ridge from Hot Springs Village, AR

Age 69 b. Sep 1956 Garland Co.
๐Ÿ“ 18 Cullerendo Wa

Leo Ridge from New Orleans, LA

0
๐Ÿ“ 23334 Po Box, New Orleans, LA 70183

Leo Ridge from Hot Springs, AR

๐Ÿ“ 18 Cullerendo Way, Hot Springs, AR 71909
๐Ÿ“ž (501) 339-7640

Leo Ridge from Baton Rouge, LA

East Baton Rouge Co.
๐Ÿ“ 11580 Perkins Rd 161
๐Ÿ“ž (547) 996-4208

Leo Ridge from Grapevine, TX

Tarrant Co.
๐Ÿ“ 3107 Mustang Dr 8

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 16 contact records for Leo Ridge across 4 states. The most recent address on file is in Pascagoula, Mississippi. Of these records, 12 include phone numbers and 4 include email addresses. Ages range from 51 to 77, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Leo H Ridge

County: Knox

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

Snaparazzi Photo Booth Company

Owner
+12282290573leo@snaparazziphoto.com
Biloxi,

Leo J Ridge III

Leo Ridge
(601) 584-0972lridge@the-hub.org
Ovett, 39464MS

Blendco Inc

Leo Ridge
(601) 544-9800lridge@blendco-inc.com
Waynesboro, 39367MS

Leo Ridge

Owner
Big Top Photo & Snaparazzi Photo Booth Company
Hattiesburg, Mississippi, United States Photography
12283264173.0

Leo Ridge

Owner
Big Top Photo & Snaparazzi Photo Booth Company
Mississippi

Leo Ridge

Owner at Big Top Photo Booth

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 8 business affiliations were found for Leo Ridge. Companies include Leo J Ridge III, Blendco Inc, Big Top Photo & Snaparazzi Photo Booth Company. Roles listed include Owner. Records are compiled from state business registries, SEC filings, and professional networking databases.

Leo Holmes Ridge

Addr: 429 Fulton Apt 3 PO BOX 26, Baring, MO, 63531
MO

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

$10 Mar 31, 2020
2020
Trump Make America Great Again Committee
Ridge, Leo Student Baring, MO
$10 Jul 30, 2020
2020
Trump Make America Great Again Committee
Ridge, Leo Student Baring, MO
$10 Mar 31, 2020
2020
Trump Make America Great Again Committee
Ridge, Leo Student Baring, MO
$10 Mar 31, 2020
Trump Make America Great Again Committee
Contributor Student Baring, MO

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 4 political contribution records found for Leo Ridge. Total disclosed contributions amount to $40. Recipients include Trump Make America Great Again Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Leo M Ridge

Male
·
32979 Briaroak Dr, Walker, LA 70785 (Livingston County)
30.5047, -90.8829
· (225) 229-9702
Marital: Married TZ: Central
Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 1 demographic profile associated with Leo Ridge. 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 Leo Ridge. These loans were issued to businesses, not individuals.

Cole'S Of Sanford,INC.

Corporation

$5,875 Exemption 4
Address:
PO Box 26
Sanford, MI48657
Approved

Apr 28, 2020

Jobs Reported

2

Loan #

9704397201

Loan Size

Small

Elden Justice

Sole Proprietorship

$6,700 Paid in Full
Address:
PO Box 26
Glen Lyn, VA24093
Approved

Jul 10, 2020

Forgiven

$6,741

Jobs Reported

2

Loan #

1800898100

Loan Size

Small

Damon Family Lobster Co INC

Subchapter S Corporation

$91,700 Paid in Full
Address:
PO Box 26
Stonington, ME04681
Approved

Apr 9, 2020

Forgiven

$92,423

Jobs Reported

8

Loan #

9827767009

Loan Size

Small

Lake Education And Planning Services, LLC

Subchapter S Corporation

$22,400 Paid in Full
Address:
PO Box 26
Cameron, WI54822
Approved

Apr 10, 2020

Forgiven

$22,564

Jobs Reported

3

Loan #

1874477110

Loan Size

Small

Alaska Guide Creations LLC

Limited Liability Company(LLC

$58,627 Paid in Full
Address:
PO Box 26
Price, UT84501-0026
Approved

Apr 7, 2020

Forgiven

$58,998

Jobs Reported

4

Loan #

7214027008

Loan Size

Small

Lutes Consumer Services INC

Corporation

$9,000 Paid in Full
Address:
PO Box 26
Clear Creek, IN47426
Approved

Jul 15, 2020

Forgiven

$9,079

Jobs Reported

1

Loan #

3793268110

Loan Size

Small

Wherley'S New Frontier, INC

Subchapter S Corporation

$55,861 Paid in Full
Address:
PO Box 26
Turtle Lake, WI54889-0026
Approved

Apr 28, 2020

Forgiven

$56,245

Jobs Reported

9

Loan #

7797197210

Loan Size

Small

Deccen, INC

Corporation

$7,000 Paid in Full
Address:
PO Box 26
Alpena, AR72611
Approved

Apr 10, 2020

Forgiven

$7,049

Jobs Reported

2

Loan #

1533067107

Loan Size

Small

Trenton Lodge No. 330, Loyal Order Of Moose, INC.

Corporation

$14,400 Paid in Full
Address:
PO Box 26
Trenton, OH45067
Approved

Apr 27, 2020

Forgiven

$14,480

Jobs Reported

1

Loan #

3775567204

Loan Size

Small

Thomas M Smith

Sole Proprietorship

$33,900 Paid in Full
Address:
PO Box 26
Washington, NJ07882-4356
Approved

Apr 28, 2020

Forgiven

$34,269

Jobs Reported

3

Loan #

7259087204

Loan Size

Small

Sandidge Urban Group INC

Corporation

$20,832 Paid in Full
Address:
PO Box 26
Pinole, CA94564-0026
Approved

Apr 13, 2020

Forgiven

$21,008

Jobs Reported

1

Loan #

5641437106

Loan Size

Small

Landon Clevenger

Sole Proprietorship

$12,547 Paid in Full
Address:
PO Box 26
Hettick, IL62649-0026
Approved

Apr 28, 2020

Forgiven

$12,618

Jobs Reported

1

Loan #

8712207207

Loan Size

Small

Leslie L Peabody Jr

Sole Proprietorship

$789 Paid in Full
Address:
PO Box 26
Bea;s, ME04611
Approved

Apr 27, 2020

Forgiven

$797

Jobs Reported

1

Loan #

4553517210

Loan Size

Small

Solomons Citgo INC

Corporation

$19,100 Paid in Full
Address:
PO Box 26
Prince Frederick, MD20678-0026
Approved

Apr 28, 2020

Forgiven

$19,370

Jobs Reported

3

Loan #

6601647208

Loan Size

Small

Brian Vandevender Contracting LLC

Limited Liability Company(LLC

$139,660 Paid in Full
Address:
PO Box 26
Aurora, WV26705
Approved

Jun 30, 2020

Forgiven

$141,351

Jobs Reported

11

Loan #

6551718006

Loan Size

Small

Northern Lakes Chiropractic Clinic P.c.

Corporation

$12,970 Paid in Full
Address:
PO Box 26
Kootenai, ID83840
Approved

Apr 7, 2020

Forgiven

$11,032

Jobs Reported

2

Loan #

6859107000

Loan Size

Small

Rimrock Post # 8952 Vfw

Non-Profit Organization

$5,412 Paid in Full
Address:
PO Box 26
Sunburst, MT59482
Approved

Apr 10, 2020

Forgiven

$5,451

Jobs Reported

4

Loan #

1977097106

Loan Size

Small

Buss Excavating, INC.

Corporation

$49,100 Paid in Full
Address:
PO Box 26
Waverly, NE68462
Approved

Apr 7, 2020

Forgiven

$49,493

Jobs Reported

6

Loan #

7383727007

Loan Size

Small

Needville United Methodist Church

Non-Profit Organization

$17,171 Paid in Full
Address:
PO Box 26
Needville, TX77461-0026
Approved

May 1, 2020

Forgiven

$17,302

Jobs Reported

7

Loan #

8826107308

Loan Size

Small

Line Brothers And Sons LLC

Limited Liability Company(LLC

$249,056 Paid in Full
Address:
PO Box 26
Lewistown, MO63452-0026
Approved

Apr 27, 2020

Forgiven

$252,349

Jobs Reported

13

Loan #

5870457203

Loan Size

Medium

Switzerland Of Ohio Water District

Non-Profit Organization

$32,566 Paid in Full
Address:
PO Box 26
Jerusalem, OH43747
Approved

Apr 29, 2020

Forgiven

$32,799

Jobs Reported

3

Loan #

2850707303

Loan Size

Small

Rimrock, LLC

Limited Liability Company(LLC

$61,941 Paid in Full
Address:
PO Box 26
Milton Freewater, OR97862-0026
Approved

Apr 7, 2020

Forgiven

$62,402

Jobs Reported

5

Loan #

6755757002

Loan Size

Small

Country Rhodes LLC

Limited Liability Company(LLC

$7,210 Paid in Full
Address:
PO Box 26
Effingham, IL62401
Approved

Apr 15, 2020

Forgiven

$3,839

Jobs Reported

2

Loan #

8835187105

Loan Size

Small

Our Redeemer Lutheran Church

Non-Profit Organization

$1,737 Paid in Full
Address:
PO Box 26
Nashua, MT59248-0026
Approved

May 1, 2020

Forgiven

$1,749

Jobs Reported

3

Loan #

8586687307

Loan Size

Small

Uf Granular Fertilizers, LLC

Limited Liability Company(LLC

$114,457 Paid in Full
Address:
PO Box 26
Morral, OH43337-0026
Approved

Apr 29, 2020

Jobs Reported

1

Loan #

4459837303

Loan Size

Small

Opb Sanitation LLC

Limited Liability Company(LLC

$31,213 Paid in Full
Address:
PO Box 26
Searcy, AR72145
Approved

Jun 23, 2020

Forgiven

$31,460

Jobs Reported

5

Loan #

2007958006

Loan Size

Small

Country Road Farms, LLC

Limited Liability Company(LLC

$180,599 Paid in Full
Address:
PO Box 26
Milton Freewater, OR97862-0026
Approved

Apr 6, 2020

Forgiven

$182,089

Jobs Reported

17

Loan #

6294037005

Loan Size

Medium

Sassafrass Catering, INC.

Corporation

$30,800 Paid in Full
Address:
PO Box 26
Salsbury Cove, ME04672
Approved

Apr 29, 2020

Forgiven

$30,933

Jobs Reported

4

Loan #

2765337305

Loan Size

Small

Carroll Papers, INC.

Subchapter S Corporation

$24,035 Paid in Full
Address:
PO Box 26
Flora, IN46929-0026
Approved

Apr 12, 2020

Forgiven

$24,177

Jobs Reported

4

Loan #

4018987100

Loan Size

Small

Oden Enterprises, INC.

Corporation

$117,432 Paid in Full
Address:
PO Box 26
Wahoo, NE68066
Approved

Apr 10, 2020

Forgiven

$118,313

Jobs Reported

15

Loan #

1494717108

Loan Size

Small

G & L Advocacy, INC.

Corporation

$34,959 Paid in Full
Address:
PO Box 26
Portage, WI53901
Approved

Apr 13, 2020

Forgiven

$35,217

Jobs Reported

3

Loan #

5095227104

Loan Size

Small

Sting Premier Soccer Club INC

Corporation

$44,200 Paid in Full
Address:
PO Box 26
Hayden, ID83835-0026
Approved

Apr 10, 2020

Forgiven

$38,448

Jobs Reported

6

Loan #

2539017109

Loan Size

Small

Hillsboro United Methodist Church

Non-Profit Organization

$11,450 Paid in Full
Address:
PO Box 26
Hillsboro, IL62049-0026
Approved

May 15, 2020

Forgiven

$11,503

Jobs Reported

7

Loan #

6802197407

Loan Size

Small

Jubilee Church Of God

Non-Profit Organization

$19,475 Paid in Full
Address:
PO Box 26
Chico, CA95926
Approved

May 7, 2020

Forgiven

$19,652

Jobs Reported

3

Loan #

3445557405

Loan Size

Small

Northern Seas INC.

Corporation

$53,416 Paid in Full
Address:
PO Box 26
King cove, AK99612
Approved

Aug 7, 2020

Forgiven

$54,158

Jobs Reported

6

Loan #

5475288207

Loan Size

Small

Golf Santee, INC.

Subchapter S Corporation

$48,975 Paid in Full
Address:
PO Box 26
Santee, SC29142
Approved

Apr 10, 2020

Forgiven

$49,312

Jobs Reported

4

Loan #

1901797108

Loan Size

Small

Hilary Cartwright, LLC

Limited Liability Company(LLC

$5,913 Paid in Full
Address:
PO Box 26
Reedsville, WV26547
Approved

May 1, 2020

Forgiven

$5,967

Jobs Reported

1

Loan #

8515257310

Loan Size

Small

Endimensions LLC

Limited Liability Company(LLC

$83,333 Paid in Full
Address:
PO Box 26
San Carlos, CA94070
Approved

Apr 27, 2020

Forgiven

$84,007

Jobs Reported

4

Loan #

3496677210

Loan Size

Small

Thomas Hellman

Sole Proprietorship

$8,200 Paid in Full
Address:
Po Box 26
Bancroft, IA50517-0026
Approved

Apr 27, 2020

Forgiven

$23,818

Jobs Reported

1

Loan #

5475457203

Loan Size

Small

Bird Corporate Of Inman, INC

Subchapter S Corporation

$113,129 Paid in Full
Address:
PO Box 26
Inman, SC29349
Approved

Apr 29, 2020

Forgiven

$113,855

Jobs Reported

10

Loan #

4161337303

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 40 PPP loan records are linked to businesses associated with Leo Ridge. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Leo Ridge on the map

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Leo Ridge in Biloxi, MS: Background Summary

Location
1955 Popps Ferry Rd Apt M1067, Biloxi Ms, Biloxi, MS
Other Locations
Pascagoula, MS ยท Walker, LA ยท Belle Chasse, LA and 5 more
Profiles Found
16 people with this name
Phone Numbers
(228) 229-0573 and 10 others on file
Email
ridgede@gmail.com and 3 others on file
Possible Relatives
Deanne R Ridge, Margaret R Ridge, Melanie R Penton, Jr Leo Ridge, Jennifer A Ridge and 6 more
Career
Owner at Leo J Ridge III, Blendco Inc
Contributions
$40 total โ€” Trump Make America Great Again Committee
PPP Loans
$1857K for Cole'S Of Sanford,INC., Elden Justice

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 Leo Ridge. Because public records are indexed by name rather than by a unique identifier, the 81 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.

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 Leo Ridge

Search Complexity: High

81 public records across 5states, belonging to approximately 16 different individuals. With 16 distinct profiles across 5 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 5 states. Highest concentration: Louisiana (15%), followed by Mississippi and Arkansas. Spans the South and Midwest regions.

LA12recordsMS9recordsAR3recordsMO2recordsTX1record

Record Type Breakdown

Data spans 6 record categories. Largest: PPP Loan Records (50%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (26) and Business & Corporate Filings (8).

40
PPP Loan Records
26
Contact & Address Records
8
Business & Corporate Filings
4
Political Contribution Records
1
Voter Registration Records
1
Corporate Records

Age Distribution

Age range: approximately 39 years, suggesting multiple generations. Largest group: Senior (65+) (67%).

Senior (65+)4peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Leo Ridge

Is Leo Ridge a registered voter?
Yes, voter registration records show Leo Ridge is registered. 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.
What businesses are associated with Leo Ridge?
We found 8 business affiliations for Leo Ridge (Owner). Other companies include Blendco Inc, big top photo & snaparazzi photo booth company. Business records are compiled from state registries, SEC filings, and professional databases.
Has Leo Ridge made political donations?
FEC disclosure records show 4 reported political contributions from Leo Ridge, totaling $40. Recipients include Trump Make America Great Again Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Leo Ridge?
Our database contains 81 total records for Leo Ridge spanning 5 states. This includes 16 distinct contact records, 12 with phone numbers, 4 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 Leo Ridge?
The 81 records displayed for Leo Ridge 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 Leo Ridge 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.