Mark Zand from Tarrytown, NY

Age 60
๐Ÿ“ 504 Bedford Rd, Tarrytown, NY 10591
๐Ÿ“ž (914) 631-1632, (516) 374-0026, (914) 631-1632
โœ‰๏ธ boboly1@aol.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Barbara A Zuchtmann,Jacob E Zand,Emily D Zand,Barbara A Zand,Lynam Zand,Nathaniel S Zand

Mark Zand from Plantation, FL

Age 55
๐Ÿ“ 300 Pine Island Rd #110, Plantation, FL 33324
๐Ÿ“ž (954) 370-0300, (954) 370-0306, (954) 749-8947, (954) 437-1885, (954) 340-0161
๐Ÿช Paramount Professional Staffing Services Inc

Mark Zand from Brighton, MA

Age 58
๐Ÿ“ 42 Lake Shore Ter #3, Brighton, MA 02135
๐Ÿ“ž (617) 782-7747, (617) 782-7747
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Daniel I Zand,Dan Zand,Marie Zand

Mark Zand from N Tarrytown, NY

Age 72 b. Sep 1953 Westchester Co.
๐Ÿ“ 504 Bedford Rd
๐Ÿ“ž (914) 631-1632

Mark Zand from Cooper City, FL

Age 66 b. Jun 1959
๐Ÿ“ 5212 Sw 87th Ter
๐Ÿ“ž (954) 474-8340
๐Ÿ‘ค aka Mark Jeffrey Pa, J Mark Zand, Jeffrey Mark Zand

Mark Zand from Brighton, MA

Age 70 b. Sep 1955 Suffolk Co.
๐Ÿ“ 42 Lake Shore Ter Apt 3
๐Ÿ“ž (617) 782-7747

Mark Zand from Palm Beach Gardens, FL

Age 73 b. 1953 Male
๐Ÿ“ 124 Via Verde Way
๐Ÿ“ž (914) 631-1632

Mark Zand from Virginia Beach, VA

Age 57 b. Sep 1968 Virginia Beach City Co.
๐Ÿ“ 5954 Riviera Arch

Mark Zand from Camarillo, CA

Age 71 b. May 1954 Ventura Co.
๐Ÿ“ 513 Cll San Pablo
๐Ÿ‘ค aka Mark Yaftabadi

Mark Zand from Rome, NY

Oneida Co.
๐Ÿ“ 59 Cherrywood Ln

Mark Zand from West Chester, PA

Chester Co.
๐Ÿ“ 1523 Mcdaniel Dr

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 11 contact records for Mark Zand across 6 states. The most recent address on file is in N Tarrytown, New York. Of these records, 7 include phone numbers and 1 include email addresses. Ages range from 55 to 60, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Zand,mark J H/E

Broward County
PIN: 503901040520
· 390 Mallard Dr, Weston 33327
Value: $570,560 ยท Sale: $100 (2012)

Zand Mark

Westchester County
PIN: 11101700020020000000
· 504 Bedford Rd, Pleasantville ny

Zand Mark D &

Palm-beach County
· 124 Via Verde Way, Royal-Palm-Beach-West-Jupiter 33418.0
Built: 2003.0
Assessed: $1,279,797

Zand, Mark

Doc #2024061900539001
· 100 W 57th Street, Apt. 17i, New York Ny 10019
Record: P

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 4 property records linked to Mark Zand in Royal-Palm-Beach-West-Jupiter, New York. Values shown are from county assessor records and may differ from current market prices.

Mark Zand

Roswell, 30076
DOB: 1/1/1948 Gender: Male
Congress: 006

Mark Dana Zand

124 Via Verde Way, Palm Beach Gardens, , 33418

Mark D Zand

Republican
504 Bedford Rd, 3, 10591
DOB: 19530930 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 3 voter registration records were found for Mark Zand in . 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.

2009 BMW 3-Series
ยท Registered to: Mark Zand
ยท VIN: WBAWL73529P179306
·
390 Mallard Dr, Weston, FL, 33327-1118
·
(954) 439-5609
2012 Bmw 5-Series
ยท Registered to: Mark Zand
ยท VIN: WBAFR7C54CC812661
·
300 S Pine Island Rd Ste 110, Plantation, FL, 33324-2619
·
(954) 439-5609
2009 ACURA TSX
ยท Registered to: Mark Zand
ยท VIN: JH4CU26679C012469
·
16 Cynthia Rd, Newton, MA, 02459-2834
2010 BMW X5
ยท Registered to: Mark Zand
ยท VIN: 5UXFE4C59AL383798
·
504 Bedford Rd, Tarrytown, NY, 10591-1506
·
(914) 631-1632
2011 AUDI A6
ยท Registered to: Mark Zand
ยท VIN: WAUKGAFB4BN010116
·
504 Bedford Rd, Tarrytown, NY, 10591-1506
·
(914) 631-1632

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 5 vehicle registration records are associated with Mark Zand. Registered makes include Bmw, Acura, Audi. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

MAAP Technology Inc

Chief Technology Officer And Founder
mzand@maaptechnology.com
Thousand Oaks,

Cisneros Television Group

Mark Zand
(305) 894-3515mzand@televisiongroup.com
Miami Beach, FL33139

Betaflex

Mark Zand
(805) 388-9677betaflex@jetlink.net
Camarillo, CA93012A

Wexford Capital Llc

Mark ZandMember (of the Bar)
(203) 862-7000mzand@wexford.com
Greenwich, CT6830

North Dakota's restaurant

Mark ZandStaff Member
(701) 223-3313Mark.Zand@ndhospitality.com
Bismarck,, North Dakota58501

Maap Technology

Mark ZandPresident
(805) 231-3925support@maaptechnology.com
4725 Calle Quetzal, Camarillo, CA93012

Maap Technology

Mark ZandPresident
(305) 607-5561support@maaptechnology.com
2475 Sw 22nd Ave, Miami, FL33145
maaptechnology.com

Wexford Capital LLC

Mark ZandExecutive Officer
(203) 862-7000mzand@wexford.com
Greenwich, CT

Mark J. Zand, CPA CFST

Partner @ Zand & Fernan ยท Fort Lauderdale, Florida

Mark Zand

Greenwich, CT

Maap Technology

Mark ZandPresident
(305) 607-5561support@maaptechnology.com
2475 Sw 22nd Ave, Miami, FL33145

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 29 business affiliations were found for Mark Zand. Companies include Cisneros Television Group, Betaflex, Wexford Capital Llc and 3 more. Roles listed include Chief Technology Officer And Founder and Chairman Rhino Gp L. Records are compiled from state business registries, SEC filings, and professional networking databases.

Maap Technology INC.

Filed: Jun 6, 2002
CEO: Mark Zand

Unknown Corporation

Kentucky Limited Liability Company/Foreign Limited Liability Company
Officer: Mark Zand

Maap Technology INC.

Addr: 3601 Calle Tecate, Suite A, Camarillo, CA, 93012
CA
CEO: Mark Zand

Source: Public Records Mark Zand appears in 3 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Inventor Record

Mark Zand - MA

Patent Details

Mark Zand
#8653942

Source: USPTO Patent Database ยท U.S. Patent & Trademark Office Mark Zand is listed as an inventor or co-inventor on 2 USPTO patents. Patent data is public information published by the United States Patent and Trademark Office upon grant or application publication.

$2,500 Jun 12, 2011
2012
Actblue
Zand, Mark Investment Advisor @ Wexford Capital Tarrytown, NY
$2,500 Mar 7, 2012
2012 DEM
McCaskill, Claire
Zand, Mark Investment Advisor @ Wexford Capital, LLC Tarrytown, NY
$1,000 Jul 8, 1992
1992
Merrill Lynch & Co INC Political Action Committee
Zand, Mark Merrill Lynch Private Client No Terrytown, NY
$750 Oct 14, 1993
1994 DEM
Lieberman, Joseph I
Zand, Mark D Merrill Lynch North Tarrytown, NY
$2,700 Jul 30, 2015
2016 DEM
Schumer, Charles
Zand, Mark Investment Advisor @ Wexford Capital Palm Beach Gardens, FL
$2,300 Nov 7, 2007
2008 DEM
Democratic Senatorial Campaign Committee
Zand, Mark Investment Advi @ Wexford Capital LLC Sleepy Hollow, NY
$1,000 Dec 22, 2009
2010 REP
Bernier, Justin
Zand, Mark Investment Advisor @ Wexford Sleepy Hollow, NY
$1,000 Oct 14, 2003
2004 REP
Republican Party Of Kentucky
Zand, Mark Investment Mgr @ Wexford Capital LLC Tarrytown, NY
$500 Sep 21, 2007
2008 DEM
Dodd, Christopher J
Zand, Mark Investment Advisor @ Wexford Capital Greenwich, CT
$525 Oct 29, 2010
2010 328
Tancredo, Tom & Miller, Pat
Zand, Mark Financial Investment @ Wexford Management LLC Sleepy Hollow, NY
$50 Jul 12, 2016
2016
Florida Cpa Political Action Committee, INC
Zand, Mark Jeffrey Plantation, FL
$50 Jun 29, 2015
2016
Florida Cpa Political Action Committee S
Zand, Mark Jeffrey Plantation, FL
$2,400 Oct 29, 2010
2010 REP
Buck, Kenneth R
Zand, Mark Investment Advisor @ Wexford Management LLC Tarrytown, NY
$2,500 Mar 7, 2012
2012
Actblue
Zand, Mark Investment Advisor @ Wexford Capital, LLC Investment Adv Tarrytown, NY
$50 May 10, 2017
2018
Florida Cpa Political Action Committee, INC
Zand, Mark Jeffrey Plantation, FL
$2,700 Oct 10, 2017
2018 REP
Debono, Dan
Zand, Mark Financial Advisor @ Wexford Capital LP Palm Beach Gardens, FL
$150 Apr 18, 2012
2012 REP
Anthony, Bob (committee 2)
Zand, Mark Investment Advisor @ Wexford Capital Sleepy Hollow, NY
$2,400 Oct 31, 2010
2010 REP
Tipton, Scott R. Mr.
Zand, Mark Partner @ Wexford Capital Sleepy Hollow, NY
$2,500 Jun 12, 2011
2012
Actblue
Zand, Mark Investment Advisor @ Wexford Capital Tarrytown, NY
$2,400 Jun 15, 2009
2010 DEM
Schumer, Charles E
Zand, Mark Securities Analyst @ Wexford Sleepy Hollow, NY
$5,000 Mar 14, 2008
2008 DEM
Democratic Senatorial Campaign Committee
Zand, Mark Investment Advi @ Wexford Capital LLC Sleepy Hollow, NY
$500 Jun 8, 1984
1984 DEM
Bradley, Bill
Zand, Mark Merrill Lynch Woodmere, NY
$2,700 Sep 25, 2017
2018 DEM
Manchin Iii, Joe
Zand, Mark Investor @ Wexford West Palm Beach, FL
$2,300 Jun 28, 2008
2008 REP
Shays, Christopher
Zand, Mark Investment Advisor @ Wexford Capital Tarrytown, NY
$2,700 Jul 3, 2018
2018 REP
Debono, Dan
Zand, Mark Financial Advisor @ Wexford Capital LP Palm Beach Gardens, FL
$5,000 Jun 8, 2011
2012 DEM
Manchin, Joe, Iii
Zand, Mark Investment Advisor @ Wexford Capital Sleepy Hollow, NY
$500 Sep 21, 2007
DEM
Dodd, Christopher J
Contributor Investment Advisor @ Wexford Capital Greenwich, CT
$500 Sep 21, 2007
Unknown Committee
Zand, Mark Mr Investment Advisor @ Wexford Capital Greenwich, CT
$50
2016
Florida Cpa Political Action Committee S
Contributor Plantation, FL

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 29 political contribution records found for Mark Zand. Total disclosed contributions amount to $49,225. Recipients include Dodd, Christopher J, Florida Cpa Political Action Committee S. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Mark Zand

Male
·
16 Cynthia Rd, Newton Center, MA 02459 (Middlesex County)
42.3086, -71.1834
· (617) 417-1854
TZ: Eastern
Single Family
MP

Mark J Zand

Age 58 Male
·
5212 SW 87th Ter, Ft Lauderdale, FL 33328 (Broward County)
26.0540, -80.2630
· (954) 349-8211
Marital: Married TZ: Eastern
Occ: Healthcare Edu: Some College
Homeowner Single Family Built 1977 Purchased 2016
MP

Mark Zand

Age 51 Male
·
33 Burnetts Cove Rd, Water Mill, NY 11976 (Suffolk County)
40.8948, -72.3508
· (631) 726-4686
TZ: Eastern
Single Family
MP

Mark J Zand

Male
·
10135 W Sunrise Blvd, Ft Lauderdale, FL 33322 (Broward County)
26.1467, -80.2857
TZ: Eastern
Homeowner Multi-Family Built 1988 Purchased 2016

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 4 demographic profiles associated with Mark Zand. 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 Mark Zand. These loans were issued to businesses, not individuals.

Truecath INC

Subchapter S Corporation

$11,945 Paid in Full
Address:
708 Via Alondra
Camarillo, CA93012-8713
Approved

Apr 15, 2020

Forgiven

$12,084

Jobs Reported

4

Loan #

1683337209

Loan Size

Small

Stone Key Group LLC

Limited Liability Company(LLC

$234,552 Paid in Full
Address:
411 W Putnam Ave Ste 110
Greenwich, CT06830-6233
Approved

Mar 13, 2021

Forgiven

$236,557

Jobs Reported

10

Loan #

1524528609

Loan Size

Medium

One Fast Cat, INC.

Corporation

$10,472 Paid in Full
Address:
708 Via Alondra
Camarillo, CA93012
Approved

Jun 12, 2020

Forgiven

$10,528

Jobs Reported

2

Loan #

2962647902

Loan Size

Small

K9 Ballistics INC.

Corporation

$275,127 Paid in Full
Address:
708 Via Alondra
Camarillo, CA93012
Approved

Apr 15, 2020

Forgiven

$266,720

Jobs Reported

25

Loan #

2267167201

Loan Size

Medium

Truecath

Subchapter S Corporation

$11,945 Paid in Full
Address:
708 Via Alondra
Camarillo, CA93012-8713
Approved

Mar 10, 2021

Forgiven

$12,029

Jobs Reported

4

Loan #

8499028502

Loan Size

Small

Asset Land Title Services LLC

Limited Liability Company(LLC

$26,700 Paid in Full
Address:
300 PINE ISLAND RD Suite 306
Plantation, FL33324-2621
Approved

Apr 13, 2020

Forgiven

$26,934

Jobs Reported

2

Loan #

5661337108

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 6 PPP loan records are linked to businesses associated with Mark Zand. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Mark Zand on the map

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Mark Zand in Tarrytown, NY: Background Summary

Location
504 Bedford Rd,Tarrytown, NY 10591, Tarrytown, NY
Other Locations
N Tarrytown, NY ยท Cooper City, FL ยท Brighton, MA and 5 more
Profiles Found
11 people with this name
Phone Numbers
(914) 631-1632 and 3 others on file
Email
boboly1@aol.com
Possible Relatives
Barbara A Zuchtmann, Jacob E Zand, Emily D Zand, Barbara A Zand, Lynam Zand and 12 more
Career
Chief Technology Officer And Founder, Chairman Rhino Gp L at Cisneros Television Group, Betaflex
Voter Registration
Registered Republican
Properties
3properties owned
Vehicles
5 linked โ€” 2009 Bmw 3-Series, 2012 Bmw 5-Series and 3 more
Contributions
$49.2K total โ€” Dodd, Christopher J, Florida Cpa Political Action Committee S
PPP Loans
$571K for Truecath INC, Stone Key Group LLC

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 Mark Zand. Because public records are indexed by name rather than by a unique identifier, the 102 results displayed here may include information belonging to multiple individuals who share the same name โ€” a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Property Records

Property records originate from county assessor and recorder offices, where real estate transactions, ownership transfers, and tax assessments are documented as a matter of public record. The assessed value shown for a property is the figure used by the county to calculate property taxes and frequently differs from the property's current market value โ€” in many jurisdictions assessed values lag behind market conditions by several years. A property record updates whenever a new deed, lien, or assessment is filed with the county, so the ownership and valuation data shown here reflects the most recent filing available in our sources rather than a real-time snapshot.

Voter Registration

Voter registration data is maintained by state and county election offices and is considered public record under the election laws of most states. The party affiliation shown reflects the voter's registration at the time the record was filed; it does not necessarily indicate current political preferences, as voters may change their affiliation or register differently in subsequent elections. Not all states make their voter files publicly available โ€” some restrict access or redact certain fields such as date of birth or residential address โ€” so the completeness of voter data varies by state. Registration status (active or inactive) indicates whether the election office considers the registration current, not whether the person actually voted in recent elections.

Business and Professional Records

Business records are compiled from state Secretary of State filings, SEC EDGAR corporate disclosures, and professional networking data. When a person appears as an officer, director, or registered agent, it reflects a formal role filed with a government agency โ€” these are legal positions of responsibility, not informal job titles. Records sourced from professional profiles represent information that individuals have chosen to make publicly available about their career history, skills, and affiliations. Business entity registrations show current or historical standing with the state, but a listing does not guarantee the entity is still actively operating.

Campaign Finance Contributions

Federal election law requires the disclosure of political contributions exceeding $200 to any single committee in a calendar year. These records are filed with the Federal Election Commission (FEC) and include the donor's name, mailing address, employer, occupation, and the amount contributed. Contributions to state and local candidates are governed by each state's campaign finance laws, which may set different disclosure thresholds. The data shown here reflects what was reported in official filings and may include contributions made over the course of many election cycles, so the dates and amounts should be read in their historical context.

Vehicle Records

Vehicle ownership records are obtained through sources that comply with the Driver's Privacy Protection Act (DPPA), the federal law that governs who may access motor vehicle records and for what purposes. The records shown indicate vehicles that have been registered to this individual through state DMV systems. Vehicle data may include make, model, year, and VIN, and reflects registration information at the time the record was filed. Vehicles that have been sold, traded, or transferred may still appear until the registration is updated in the state's records.

Patent Filings

Patent data is drawn from the United States Patent and Trademark Office (USPTO). Being listed as an inventor on a patent means this individual is credited as having made a substantive intellectual contribution to the invention described in the patent application. Patent records include the filing date, grant date, patent number, and a description of the invention. A patent listing does not indicate that the inventor currently owns the patent rights โ€” patents are frequently assigned to employers or transferred between entities after they are granted.

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 Mark Zand

Search Complexity: High

102 public records across 9states, belonging to approximately 11 different individuals. With 11 distinct profiles across 9 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 9 states. Highest concentration: Florida (14%), followed by Massachusetts and Connecticut. Spans the Northeast and South regions.

FL14recordsMA8recordsCT8recordsNY7recordsCA5recordsIN2records

Record Type Breakdown

Data spans 9 record categories. Largest: Business & Corporate Filings (30%), which reveal professional roles and employer history. Also includes Political Contribution Records (29) and Contact & Address Records (17).

29
Business & Corporate Filings
29
Political Contribution Records
17
Contact & Address Records
6
PPP Loan Records
5
Vehicle Registration Records
4
Property Ownership Records

Age Distribution

Age range: approximately 18 years. Largest group: Senior (65+) (57%).

Senior (65+)4peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Mark Zand

Is Mark Zand a registered voter?
Yes, voter registration records show Mark Zand is registered. We found 3 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Mark Zand own property?
County assessor records show 4 properties associated with Mark Zand in Royal-Palm-Beach-West-Jupiter, New York and 3 other locations. 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 Mark Zand?
Records show 5 vehicle registrations associated with Mark Zand, including a 2009 BMW 3-Series. Registered makes include Bmw, Acura, Audi. 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 Mark Zand?
We found 29 business affiliations for Mark Zand (Chief Technology Officer And Founder). Other companies include Betaflex, Wexford Capital Llc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Mark Zand made political donations?
FEC disclosure records show 29 reported political contributions from Mark Zand, totaling $49,225. Recipients include Dodd, Christopher J and Florida Cpa Political Action Committee S. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Mark Zand?
Our database contains 102 total records for Mark Zand spanning 9 states. This includes 11 distinct contact records, 7 with phone numbers, 1 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 Mark Zand?
The 102 records displayed for Mark Zand 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 Mark Zand 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.