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Maureen Germain

Age 61 b. 1964-07-10
📍 1122 E Normandy Blvd, Deltona Fl
📞 (386) 574-1321, (386) 574-1321
✉️ AUTUMNSKY750@GMAIL.COM, autumnsky750@gmail.com

Maureen Germain

Age 77 b. 1948-08-23
📍 2650 Thousand Oaks Dr Apt 3104, San Antonio Tx
📞 (541) 399-2209, (210) 545-4822
✉️ MGGERMAIN@YAHOO.COM

Maureen Germain from Marcellus, NY

Age 69
📍 3999 Slate Hill Rd, Marcellus, NY 13108
📞 (315) 529-1433, (315) 673-2352
👨‍👩‍👧 Relatives: Gregory R Germain,Gregory R Germain,Timothy J Germain,Nancy Elizabeth Germain,Andrew M Germain,Gary Gaye Germain,Gary R Agermain

Maureen Germain from Blytheville, AR

Age 66 b. Mar 1960 Mississippi Co.
📍 1015 Montclair St
📞 (407) 891-6529, (407) 846-4653

Maureen Germain from Webster, MA

0
📍 861 Po Box, Webster, MA 01570
👨‍👩‍👧 Relatives: Steven P Germain,Deborah A Germain,Steven P Germain,Ernest G Germain,Julie A Germain,Beverly Ann Germain,Barbara Jean Germain,Scott E Germain,Michelle D Germain

Maureen Germain from North Bellmore, NY

Age 50 b. May 1975 Nassau Co.
📍 4 Metropolitan Ave
📞 (516) 781-7168

Maureen St Germain

📍 662 Federal St, Paris Va
📞 (917) 495-5865, (540) 592-3081
✉️ MAUREEN_SMITH2004@YAHOO.COM

Maureen Germain from Putnam Valley, NY

Age 82 b. Jan 1944 Putnam Co.
📍 35 Floridan Rd
📞 (914) 309-3344

Maureen Germain from Middlebury, VT

Age 53 b. Sep 1972 Addison Co.
📍 157 Jackson Ln Unit 28
📞 (916) 394-0680
👤 aka Maureen M Denno

Maureen Germain from Oxford, MA

Age 62 b. Jun 1963
📍 192 Orchard Hill Dr Apt Dr
📞 (508) 987-3938
👤 aka Maureen C Germaine, Maureen Claire Poulin, M L Germain

Maureen Germain from Putnam Valley, NY

Age 64
📍 35 Floridan Rd, Putnam Valley, NY 10579
📞 (718) 295-6440, (845) 526-3446, (914) 526-3708

Maureen Germain from Marcellus, NY

Age 81 b. 1945 Female
📍 3999 Slate Hill Rd
📞 (315) 673-7331

Maureen Germain from Bellmore, NY

Age 50 b. May 1975 Nassau Co.
📍 Po Box 1161
👤 aka Maureen G Charles

Maureen Germain from Norwich, CT

Age 85 b. Jan 1941 New London Co.
📍 61 Spring Garden Ave

Maureen Germain from Wilmington, DE

Age 61 b. Jul 1964 New Castle Co.
📍 1712 Marsh Rd Unit 223

Maureen Germain from Middle Island, NY

Age 66 b. Mar 1960 Suffolk Co.
📍 12 North St

Maureen Germain from Schenevus, NY

Otsego Co.
📍 Rr 1 Box 145 F

Maureen Germain from Pomona, NY

Rockland Co.
📍 Rr 202 A

Maureen Germain from Sun Prairie, WI

Dane Co.
📍 307 Crossing Ridge Ct

Maureen Germain from Bronx, NY

Bronx Co.
📍 510 E 156th St Apt 12 F

Maureen Germain from Hamilton, OH

Butler Co.
📍 1177 Heaton St

Maureen Germain from Pomona, NY

Rockland Co.
📍 Rr 202

Maureen Germain from Brooklyn, NY

Kings Co.
📍 448 Neptune Av 13 L

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 23 contact records for Maureen Germain across 8 states. The most recent address on file is in Blytheville, Arkansas. Of these records, 11 include phone numbers and 3 include email addresses. Ages range from 64 to 69, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Germain Maureen H

Hood-river County
· 823 Sheridan, Hood-River

Maureen D Germain

2022 Putnam County
· 35 Floradan, Putnam Valley

Maureen Y Germain

2024 Dutchess County
· 44 Kip, Fishkill

Maureen D Germain

2024 Putnam County
· 35 Floradan, Putnam Valley

Maureen A Germain

2024 Onondaga County
· 3999 Slate Hill, Marcellus

Maureen D Germain

2023 Putnam County
· 35 Floradan, Putnam Valley

Maureen A Germain

2021 Onondaga County
· 3999 Slate Hill, Marcellus

Maureen A Germain

2022 Onondaga County
· 3999 Slate Hill, Marcellus

Maureen Y Germain

2023 Dutchess County
· 44 Kip, Fishkill

Maureen D Germain

2021 Putnam County
· 35 Floradan, Putnam Valley

Maureen A Germain

2023 Onondaga County
· 3999 Slate Hill, Marcellus

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 11 property records linked to Maureen Germain in Hood-River. Values shown are from county assessor records and may differ from current market prices.

Maureen A Germain

1712 Juniper Cir, St. Cloud, , 34769

Maureen Sharon Germain

Democrat
5 Shawnee Ct, Baltimore, MD, 21234
Gender: Female
County: Baltimore County

Maureen A Germain

Reg: 1/1/89326
3999 Slate Hill Rd, 6, 13108
DOB: 19450227 Gender: Female

Maureen Honora Germain

NAV Reg: 10/31/2016
823 Sheridan Ct, Hood River, OR, 97031
DOB: 1/1/1948
County: Hood River

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 4 voter registration records were found for Maureen Germain in , Maryland, Oregon. Records show affiliations with DEM, NAV, 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.

2013 Ford Escape
· Registered to: Maureen Germain
· VIN: 1FMCU0GX3DUB60811
·
1712 Juniper Cir, Saint Cloud, FL, 34769
2017 FORD ESCAPE
· Registered to: Maureen Germain
· VIN: 1FMCU0GX3HUB60811
·
1712 Juniper Cir, Saint Cloud, FL, 34769-1645
2001 VOLVO V70 WAGON
· Registered to: Maureen Germain
· VIN: YV1SZ58D711010016
·
59 Ayer Cir, Seabrook, NH, 03874
·
(603) 760-2219

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 3 vehicle registration records are associated with Maureen Germain. Registered makes include Ford, Volvo. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Maureenstgermain.com

maureen@maureenstgermain.com

Maureen Germain

Owner
McP Credit Recovery And Counseling Services
Oxford, Massachusetts, United States Insurance
LinkedIn

Maureen Germain

Sales Associate
Anthropologie
New York
mgermain@anthropologie.com
LinkedIn

Williams Cleaning Systems

Maureen GermainRegional Manager Information Services
redbonez4198@yahoo.com
57 Sharon Dr, Spring Valley, NY10977

Williams Cleaning Systems

Maureen GermainRegional Manager Information Services
redbonez4198@yahoo.com
57 Sharon Dr, Spring Valley, NY10977
williamscleaning.com

Wagner College

Maureen GermainResident Assistant
(718) 390-3100maureen.germain@wagner.edu
Staten Island, NY

Maureen Germain

Reading Specialist at Hood · Portland, Oregon Area

Headcovers Unlimited

Maureen Germainportfolio Manager
(845) 573-5474redbonez4198@yahoo.com
57 Sharon Dr, Spring Valley, NY10977

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 18 business affiliations were found for Maureen Germain. Companies include McP Credit Recovery And Counseling Services, Williams Cleaning Systems, Wagner College and 1 more. Roles listed include Null and President. Records are compiled from state business registries, SEC filings, and professional networking databases.

Maureen Germain

East Leyden High School - Franklin Park, IL, IL
1980

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Maureen Germain 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.

$15 Oct 15, 2020
2020 DEM
Biden, Joe
Germain, Maureen Not Employed San Diego, CA
$15 Jun 15, 2020
2020 DEM
Biden, Joe
Germain, Maureen Not Employed San Diego, CA
$15 Sep 15, 2020
2020 DEM
Biden, Joe
Germain, Maureen Not Employed San Diego, CA
$15 Jun 15, 2020
DEM
Biden, Joe
Contributor Not Employed San Diego, CA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 4 political contribution records found for Maureen Germain. Total disclosed contributions amount to $60. Recipients include Biden, Joe. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Maureen A Germain

Age 57 Female
·
1712 Juniper Cir, Saint Cloud, FL 34769 (Osceola County)
28.2424, -81.3146
Marital: Married TZ: Eastern
Homeowner Single Family Built 1980 Purchased 2000
MP

Maureen Germain

Female
·
917 Pacific Ave, Hood River, OR 97031 (Hood River County)
45.6965, -121.5210
TZ: Pacific
Homeowner Multi-Family Built 1974 Purchased 2006
MP

Maureen A Germain

Age 72 Female
·
3999 Slate Hill Rd, Marcellus, NY 13108 (Onondaga County)
42.9680, -76.3231
· (315) 529-1433
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1850
MP

Maureen Y Germain

Age 27 Female
·
24 Fordham Pl, Hempstead, NY 11550 (Nassau County)
40.7008, -73.6067
Marital: Married TZ: Eastern
Homeowner Single Family Built 1928 Purchased 1988
MP

Maureen D Germain

Age 68 Female
·
35 Floradan Rd, Putnam Valley, NY 10579 (Putnam County)
41.3493, -73.8693
· (914) 309-3344
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1956 Purchased 1998
MP

Maureen Germain

Female
·
46 Collins St, Seabrook, NH 03874 (Rockingham County)
42.8797, -70.8613
TZ: Eastern
Single Family
MP

Maureen Germain

Age 41 Female
·
59 Ayer Cir, Seabrook, NH 03874 (Rockingham County)
42.8818, -70.8738
Marital: Married TZ: Eastern
Single Family
MP

Maureen M Germain

Age 53 Female
·
1122 E Normandy Blvd, Deltona, FL 32725 (Volusia County)
28.8868, -81.2438
· (407) 731-5868
Marital: Single TZ: Eastern
Homeowner Single Family
MP

Maureen H Germain

Age 69 Female
·
2650 Thousand Oaks Dr, San Antonio, TX 78232 (Bexar County)
29.5815, -98.4461
· (541) 399-2209
Marital: Single TZ: Central
Multi-Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 9 demographic profiles associated with Maureen Germain. 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 Maureen Germain. These loans were issued to businesses, not individuals.

Musical Associates Of Central New York, INC

Non-Profit Organization

$276,129 Paid in Full
Address:
PO Box 1161
Syracuse, NY13201
Approved

Apr 12, 2020

Forgiven

$277,922

Jobs Reported

70

Loan #

3859267107

Loan Size

Medium

Mo'S Fudge Factor LLC

Limited Liability Company(LLC

$28,305 Paid in Full
Address:
9 State St
Shelburne Falls, MA01370-1011
Approved

Feb 20, 2021

Forgiven

$28,566

Jobs Reported

5

Loan #

2270588500

Loan Size

Small

Northern Border Distributing INC

Subchapter S Corporation

$26,058 Paid in Full
Address:
PO Box 1161
Scobey, MT59263-1161
Approved

Apr 13, 2020

Forgiven

$26,202

Jobs Reported

4

Loan #

5372937104

Loan Size

Small

B & D Boating

Limited Liability Company(LLC

$5,145 Paid in Full
Address:
PO Box 1161
Winthrop, WA98862
Approved

Apr 14, 2020

Forgiven

$5,182

Jobs Reported

3

Loan #

7952167104

Loan Size

Small

Cedar Properties LLC

Limited Liability Partnership

$147,076 Paid in Full
Address:
PO Box 1161
Laverne, OK73848-1161
Approved

Apr 10, 2020

Forgiven

$148,184

Jobs Reported

21

Loan #

2055737106

Loan Size

Small

Plamondon Electric, INC.

Corporation

$152,600 Paid in Full
Address:
PO Box 1161
Biddeford, ME04005
Approved

Apr 13, 2020

Forgiven

$154,452

Jobs Reported

14

Loan #

4502677103

Loan Size

Medium

Armada Express CORP.

Corporation

$2,500 Paid in Full
Address:
9 State St
Westfield, MA01085-3813
Approved

Apr 30, 2020

Forgiven

$2,521

Jobs Reported

2

Loan #

4655707307

Loan Size

Small

Jean Rubin

Self-Employed Individuals

$20,833 Paid in Full
Address:
9 State St
Taunton, MA02780-1731
Approved

Apr 26, 2021

Forgiven

$20,933

Jobs Reported

1

Loan #

2337878902

Loan Size

Small

Jean Rubin

Self-Employed Individuals

$20,833 Paid in Full
Address:
9 State St
Taunton, MA02780-1731
Approved

Mar 28, 2021

Forgiven

$20,918

Jobs Reported

1

Loan #

2081688703

Loan Size

Small

D & H Construction, LLC

Limited Liability Company(LLC

$26,400 Paid in Full
Address:
PO Box 1161
Chesterfield, VA23832
Approved

Jun 24, 2020

Forgiven

$5,535

Jobs Reported

2

Loan #

2673858002

Loan Size

Small

Armada Express CORP.

Corporation

$2,500 Paid in Full
Address:
9 State St
Westfield, MA01085-3813
Approved

Mar 10, 2021

Forgiven

$2,512

Jobs Reported

1

Loan #

8540698507

Loan Size

Small

Jeffersonville Title Agency, LLC

Limited Liability Company(LLC

$4,278 Paid in Full
Address:
PO Box 1161
Tazewell, VA24605-1161
Approved

Apr 29, 2020

Forgiven

$4,304

Jobs Reported

1

Loan #

4083447305

Loan Size

Small

Giovanna Hughes

Sole Proprietorship

$23,235 Paid in Full
Address:
PO Box 1161
Studio City, CA91614-0161
Approved

May 21, 2020

Forgiven

$23,512

Jobs Reported

1

Loan #

1703657808

Loan Size

Small

Tidwell Tree Service, LLC

Limited Liability Company(LLC

$3,900 Paid in Full
Address:
PO Box 1161
Ava, MO65608
Approved

Apr 29, 2020

Forgiven

$2,916

Jobs Reported

1

Loan #

2945607300

Loan Size

Small

Bridget Porteous

Sole Proprietorship

$3,770 Paid in Full
Address:
207 Hopper St
Westbury, NY11590-3807
Approved

May 13, 2021

Forgiven

$3,795

Jobs Reported

1

Loan #

1363299007

Loan Size

Small

Graphique De France LTD

Corporation

$423,453 Paid in Full
Address:
9 State St
Woburn, MA01801-2050
Approved

Mar 8, 2021

Forgiven

$426,214

Jobs Reported

32

Loan #

8081108505

Loan Size

Medium

Warning Lites Of Appleton, INC.

Subchapter S Corporation

$119,500 Paid in Full
Address:
PO Box 1161
Appleton, WI54911
Approved

Apr 14, 2020

Forgiven

$120,885

Jobs Reported

9

Loan #

7326297100

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 17 PPP loan records are linked to businesses associated with Maureen Germain. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Maureen Germain on the map

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Found 50 results across 15 states

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Maureen Germain in Deltona, FL: Background Summary

Location
1122 E Normandy Blvd, Deltona Fl, Deltona, FL
Other Locations
Blytheville, AR · North Bellmore, NY · Putnam Valley, NY and 13 more
Profiles Found
23 people with this name
Phone Numbers
(386) 574-1321 and 13 others on file
Email
autumnsky750@gmail.com and 2 others on file
Possible Relatives
Gregory R Germain, Timothy J Germain, Nancy Elizabeth Germain, Andrew M Germain, Gary Gaye Germain and 9 more
Career
President, Regional Manager Information Services at McP Credit Recovery And Counseling Services, Williams Cleaning Systems
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
3 linked — 2013 Ford Escape, 2017 Ford Escape and 1 more
Contributions
$60 total — Biden, Joe
PPP Loans
$1287K for Musical Associates Of Central New York, INC, Mo'S Fudge Factor 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 Maureen Germain. Because public records are indexed by name rather than by a unique identifier, the 98 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 Maureen Germain

Search Complexity: High

98 public records across 15states, belonging to approximately 23 different individuals. With 23 distinct profiles across 15 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 15 states. Highest concentration: New York (27%), followed by Florida and Massachusetts. Spans the Northeast and South regions.

NY26recordsFL7recordsMA3recordsOR2recordsNH2recordsCA1record

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (35%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (18) and PPP Loan Records (17).

31
Contact & Address Records
18
Business & Corporate Filings
17
PPP Loan Records
11
Property Ownership Records
4
Voter Registration Records
4
Political Contribution Records

Age Distribution

Age range: approximately 34 years, suggesting multiple generations. Largest group: Senior (65+) (50%).

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

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

Frequently Asked Questions About Maureen Germain

Is Maureen Germain a registered voter?
Yes, voter registration records show Maureen Germain is registered in . We found 4 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Maureen Germain own property?
County assessor records show 11 properties associated with Maureen Germain . 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 Maureen Germain?
Records show 3 vehicle registrations associated with Maureen Germain, including a 2013 Ford Escape. Registered makes include Ford, Volvo. 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 Maureen Germain?
We found 18 business affiliations for Maureen Germain (null). Other companies include Williams Cleaning Systems, Wagner College. Business records are compiled from state registries, SEC filings, and professional databases.
Has Maureen Germain made political donations?
FEC disclosure records show 4 reported political contributions from Maureen Germain, totaling $60. Recipients include Biden, Joe. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Maureen Germain?
Our database contains 98 total records for Maureen Germain spanning 15 states. This includes 23 distinct contact records, 11 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 Maureen Germain?
The 98 records displayed for Maureen Germain 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 Maureen Germain 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.