Michael Nicolay

Age 53 b. 1972-07-29
๐Ÿ“ Unit 217, 8860 Villa La Jolla Dr, La Jolla Ca
๐Ÿ“ž (858) 232-0324, (000) 000-0000
โœ‰๏ธ CAPNICOLAY@MAC.COM, capnicolay@mac.com

Michael Nicolay

Age 85 b. 1940-10-06
๐Ÿ“ 10 Muirfield, Saint Charles Mo
๐Ÿ“ž (636) 928-2904, (636) 578-8926
โœ‰๏ธ MKNIC1062@CHARTER.NET

Michael Nicolay

๐Ÿ“ 8850 Villa La Jolla, Sd Ca 92037
๐Ÿ“ž (858) 232-0324, (000) 000-0000
โœ‰๏ธ CAPNICOLAY@MAC.COM

Michael Nicolay

๐Ÿ“ Unit 306, 8850 Villa La Jolla Dr, La Jolla Ca
๐Ÿ“ž (858) 232-0324, (000) 000-0000
โœ‰๏ธ CAPNICOLAY@MAC.COM

Michael Nicolay from Saint Bernard, LA

Age 57
๐Ÿ“ 2119 Sylvia Blvd, Saint Bernard, LA 70085
๐Ÿ“ž (504) 682-4316, (504) 615-4924, (504) 682-4316, (504) 279-3001, (985) 626-8077, (504) 279-4910

Michael Nicolay from Jackson, TN

Age 69 b. Nov 1956 Madison Co.
๐Ÿ“ 24 Mockingbird Cv
๐Ÿ“ž (731) 423-4407, (731) 614-8424

Michael Nicolay from Alexandria, VA

Age 83 b. Jun 1942 Alexandria City Co.
๐Ÿ“ 32 N Floyd St
๐Ÿ“ž (703) 751-6409, (864) 439-1849

Michael Nicolay from Olmsted Falls, OH

Age 63 b. Sep 1962 Cuyahoga Co.
๐Ÿ“ 24379 Wilderness Trl
๐Ÿ“ž (440) 234-6130

Michael Nicolay

๐Ÿ“ 105 Fitzgerald Rd, Somerset Ma
๐Ÿ“ž (774) 644-5401, (508) 679-9553
โœ‰๏ธ MCNICOLAY@COMCAST.NET

Michael Nicolay from Saint Charles, MO

Age 85 b. Oct 1940 Saint Charles Co.
๐Ÿ“ 10 Muirfield Ct 5
๐Ÿ“ž (928) 928-2904

Michael Nicolay from Melvin Village, NH

Age 60 b. Apr 1965 Carroll Co.
๐Ÿ“ Po Box 29
๐Ÿ“ž (603) 544-2408

Michael Nicolay from Pittsburgh, PA

Age 37 b. Dec 1988
๐Ÿ“ 340 Lamont Pl
๐Ÿ“ž (813) 528-2992

Michael Nicolay from Salisbury, MO

Age 55 b. Jul 1970 Chariton Co.
๐Ÿ“ 504 S Broadway
๐Ÿ“ž (660) 388-5991

Michael Nicolay

๐Ÿ“ 32 N Floyd St, Alexandria Va
๐Ÿ“ž (703) 751-6409, (703) 751-6409
โœ‰๏ธ MIKE.A.NICOLAY@GMAIL.COM

Michael Nicolay

๐Ÿ“ 32 Floyd, Alexandria Va 22304
๐Ÿ“ž (703) 751-6409, (703) 751-6409
โœ‰๏ธ MIKE.A.NICOLAY@GMAIL.COM

Michael Nicolay from Tampa, FL

Age 38 b. 1988 Male
๐Ÿ“ 15215 Amberly Dr
๐Ÿ“ž (813) 971-2017

Michael Nicolay from Columbia, MO

Age 55 b. Oct 1970 Boone Co.
๐Ÿ“ 3511 Spring Cress Dr

Michael Nicolay from Whitewater, WI

Age 63 b. Sep 1962 Walworth Co.
๐Ÿ“ 755 N Tratt St 59

Michael Nicolay from Colchester, VT

Age 54 b. Nov 1971 Chittenden Co.
๐Ÿ“ 91 Main St Unit 7

Michael Nicolay from Chalmette, LA

Age 98 b. Mar 1927 Saint Bernard Co.
๐Ÿ“ 1208 Wisconsin St

Michael Nicolay from Somerset, MA

Age 60 b. Sep 1965 Bristol Co.
๐Ÿ“ 105 Fitzgerald Rd

Michael Nicolay from Independence, MO

Age 49 b. Aug 1976
๐Ÿ“ 2910 S Vermont Ave
๐Ÿ‘ค aka Michael John Bartels, Michael Jo Bartels, Mike J Nicolay

Michael Nicolay from Melvin Village, NH

Age 60 b. Apr 1965 Carroll Co.
๐Ÿ“ 534 Governor Wentworth

Michael Nicolay from La Jolla, CA

Age 54 b. 1972 Male
๐Ÿ“ 8850 Villa La Jolla Dr Unit 306

Michael Nicolay from Dayton, TX

Liberty Co.
๐Ÿ“ 424 Walnut Creek Dr

Michael Nicolay from Burlington, VT

๐Ÿ“ 905 Pine St

Michael Nicolay from Orange, CA

Orange Co.
๐Ÿ“ 358 S Main St Unit 433

Michael Nicolay from Thomasville, GA

Thomas Co.
๐Ÿ“ 141 High Colony Ln

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 28 contact records for Michael Nicolay across 14 states. The most recent address on file is in Jackson, Tennessee. Of these records, 16 include phone numbers and 7 include email addresses. The listed age is 57. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Nicolay Michael

Hillsborough County
PIN: 1927331DN000010010040A
· 15215 Amberly Dr 1004, Tampa 33647
Value: $51,137

Nicolay Michael G*nicolay Kathleen A

St-charles County
· 10 Muirfield Ct N, Harvester
Built: 1991.0

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 2 property records linked to Michael Nicolay in Harvester. Values shown are from county assessor records and may differ from current market prices.

Michael Nicolay

Thomasville, 31792
DOB: 1/1/1980 Gender: Male
Congress: 008

Michael Dustin Nicolay

NF Reg: 07/03/2016
340 Lamont Pl, Pittsburgh, PA, 15232
DOB: 12/04/1988

Michael Paul Nicolay

County: Boone

Michael Dustin Nicolay

340 Lamont Pl
DOB: 12/04/1988

Michael J Nicolay

905 Pine St, Burlington, VT

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 5 voter registration records were found for Michael Nicolay in Pennsylvania, Vermont. Party affiliation is listed as NF. 1 registration is currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

1994 HONDA CIVIC CAR BASIC ECONOMY
ยท Registered to: Michael Nicolay
ยท VIN: 1HGEG8653RL030142
·
24379 Wilderness Trl, Olmsted Falls, OH, 44138
·
(440) 234-6130
2010 Chevrolet Equinox
ยท Registered to: Michael Nicolay
ยท VIN: 2CNALBEW4A6238572
·
2119 Sylvia Blvd, Saint Bernard, LA, 70085
·
(504) 682-4316
2002 CHRYSLER PT CRUISER CUV
ยท Registered to: Michael Nicolay
ยท VIN: 3C8FY68B52T271135
·
24 Mockingbird Cv, Jackson, TN, 38305
·
(731) 423-4407
1994 VOLKSWAGEN PASSAT 4DR SEDAN
ยท Registered to: Michael Nicolay
ยท VIN: WVWJF4310RE006556
·
24379 Wilderness Trl, Olmsted Falls, OH, 44138
·
(440) 234-6130
1995 CHEVROLET C3500 PICKUP
ยท Registered to: Michael Nicolay
ยท VIN: 1GCHC33F2SF008399
·
24 Mockingbird Cv, Jackson, TN, 38305
·
(731) 423-4407

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 5 vehicle registration records are associated with Michael Nicolay. Registered makes include Honda, Chevrolet, Chrysler, Volkswagen. The most recent model year on record is 2010. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Michael Nicolay

Michael Nicolay
(703) 751-6409nicolai@erols.com
Alexandria, 22303VA

Vaco Band

Michael Nicolay
(703) 569-7704mnicolay@ctjc.com
Alexandria, 22303VA

Michael Nicolay

Gerant
La Mandarine Liege Sprl
Li??ge, Wallonia, Belgium Food Production

Michael Nicolay

District Of Columbia

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 6 business affiliations were found for Michael Nicolay. Companies include Michael Nicolay, Vaco Band, La Mandarine Liege Sprl. Records are compiled from state business registries, SEC filings, and professional networking databases.

Michael Nicolay

ANESTHESIOLOGY
Individual Male
NPI: 1063875375
School: UNIVERSITY OF SOUTH FLORIDA COLLEGE OF MEDICINE (2016)
Org: Medstar Medical Group Anesthesiology LLC

Source: CMS NPI Registry (NPPES) ยท State Medical Boards ยท Healthcare Provider Databases 1 healthcare provider record found for Michael Nicolay in the CMS National Provider Identifier registry. NPI registration is required for providers billing Medicare or Medicaid. Listing here does not constitute an endorsement of care quality.

michael nicolay

Nonresident Health
VALID
License # W178750
Addr: Thomasville, GA

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Michael Nicolay holds 1 state-issued professional license on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Michael Nicolay

La Jolla High School - La Jolla, CA, CA
1991

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Michael Nicolay 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.

$13 Nov 22, 2011
2012
Inter Union Of Painters & Allied Trades Political Action Committee
Nicolay, Michael A St Bernard, LA
$15 Oct 14, 2019
2020 DEM
Warren, Elizabeth
Nicolay, Michael Network Engineer @ Municipality Thomasville, GA
$15 Oct 14, 2019
DEM
Warren, Elizabeth
Contributor Network Engineer @ Municipality Thomasville, GA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 3 political contribution records found for Michael Nicolay. Total disclosed contributions amount to $43. Recipients include Warren, Elizabeth. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Michael D Nicolay

Age 28 Male
·
340 Lamont Pl, Pittsburgh, PA 15232 (Allegheny County)
40.4557, -79.9270
TZ: Eastern
Single Family
MP

Michael Nicolay

Male
·
32 N Floyd St, Alexandria, VA 22304 (Alexandria City County)
38.8116, -77.0992
· (703) 751-6409
TZ: Eastern
Homeowner Single Family Built 1950 Purchased 2005
MP

Michael P Nicolay

Age 23 Male
·
3854 Outer Rd, Oelwein, IA 50662 (Fayette County)
42.6858, -91.8934
· (319) 509-0684
Marital: Single TZ: Central
Homeowner Single Family Built 1966
MP

Michael W Nicolay

Age 61 Male
·
24 Mockingbird Cv, Jackson, TN 38305 (Madison County)
35.6877, -88.7944
· (731) 423-4407
Marital: Married TZ: Central
Occ: Management Edu: Some College
Homeowner Single Family Built 1979 Purchased 1999
MP

Michael G Nicolay

Age 76 Male
·
10 Muirfield Ct N, Saint Charles, MO 63304 (Saint Charles County)
38.7160, -90.6155
· (636) 928-2904
Marital: Married TZ: Central
Edu: High School
Homeowner Multi-Family Built 1991 Purchased 1992
MP

Michael M Nicolay

Age 52 Male
·
PO Box 157, Melvin Vlg, NH 03850 (Carroll County)
43.6919, -71.2961
· (603) 544-2408
Marital: Married TZ: Eastern
Edu: High School
Single Family
MP

Michael J Nicolay

Age 38 Male
·
905 Pine St, Burlington, VT 05401 (Chittenden County)
44.4539, -73.2144
· (802) 769-2628
Marital: Married TZ: Eastern
Occ: Management Edu: Graduate School
Single Family
MP

Michael A Nicolay

Age 60 Male
·
2119 Sylvia Blvd, Saint Bernard, LA 70085 (Saint Bernard County)
29.8713, -89.8135
· (504) 682-4316
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Purchased 2015
MP

Michael J Nicolay

Age 50 Male
·
105 Fitzgerald Rd, Somerset, MA 02726 (Bristol County)
41.7532, -71.1520
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1969 Purchased 1999

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

Avery Ruff-Harris

$20,416 Paid in Full
Address:
15215 Amberly Dr Apt 1003
Approved

Apr 28, 2021

Forgiven

$20,537

Loan #

4129428901

Loan Size

Small

Bruce Bergeson

Self-Employed Individuals

$20,832 Paid in Full
Address:
905 Pine St
Dawson, MN56232-2232
Approved

Jan 16, 2021

Forgiven

$20,912

Jobs Reported

1

Loan #

1282948308

Loan Size

Small

Kameron Kelley

Sole Proprietorship

$10,940 Paid in Full
Address:
905 Pine St
Rayville, LA71269-2421
Approved

Apr 26, 2021

Jobs Reported

1

Loan #

1610838909

Loan Size

Small

Bruce Bergeson

Self-Employed Individuals

$20,832 Paid in Full
Address:
905 Pine St
Dawson, MN56232-2232
Approved

Mar 23, 2021

Forgiven

$20,883

Jobs Reported

1

Loan #

6923418600

Loan Size

Small

Avery Ruff-Harris

Self-Employed Individuals

$20,416 Paid in Full
Address:
15215 Amberly Dr Apt 1003
Tampa, FL33647-2158
Approved

Apr 12, 2021

Forgiven

$20,543

Jobs Reported

1

Loan #

2382248802

Loan Size

Small

Fernando Martinez

Self-Employed Individuals

$3,187 Paid in Full
Address:
905 Pine St
South Sioux City, NE68776-3418
Approved

Apr 24, 2021

Forgiven

$3,210

Jobs Reported

1

Loan #

1204888907

Loan Size

Small

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

Find Michael Nicolay on the map

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Michael Nicolay in La Jolla, CA: Background Summary

Location
Unit 217, 8860 Villa La Jolla Dr, La Jolla Ca, La Jolla, CA
Other Locations
Jackson, TN ยท Alexandria, VA ยท Olmsted Falls, OH and 16 more
Profiles Found
28 people with this name
Phone Numbers
(858) 232-0324 and 16 others on file
Email
capnicolay@mac.com and 3 others on file
Possible Relatives
Katherine Thibodeaux Nicolay, Frederick Jacob Nicolay, Jeannette C Nicolay, F Jiii Nicolay, Iii Fj Nicolay and 3 more
Career
Michael Nicolay, Vaco Band
Voter Registration
Registered NF
Properties
1property owned
Vehicles
5 linked โ€” 1994 Honda Civic, 2010 Chevrolet Equinox and 3 more
Contributions
$42.8 total โ€” Warren, Elizabeth
Healthcare
Licensed provider โ€” ANESTHESIOLOGY
Licenses
1 professional license (NONRESIDENT HEALTH)
PPP Loans
$117K for Avery Ruff-Harris, Bruce Bergeson

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 Michael Nicolay. Because public records are indexed by name rather than by a unique identifier, the 74 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.

Healthcare Provider Data

Healthcare provider information is sourced from the National Plan and Provider Enumeration System (NPPES), a registry managed by the Centers for Medicare and Medicaid Services (CMS). Every healthcare provider that bills Medicare or Medicaid is required to obtain a National Provider Identifier (NPI), so the presence of an NPI listing confirms that the individual holds recognized healthcare credentials. The specialty, practice address, and taxonomy codes reflect the provider's own attestation at the time of registration or most recent update. An NPI listing does not constitute an endorsement of care quality, nor does it indicate whether the provider is currently accepting new patients.

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 Michael Nicolay

Search Complexity: High

74 public records across 15states, belonging to approximately 28 different individuals. With 28 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 Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county โ€” highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 15 states. Highest concentration: Louisiana (8%), followed by California and Missouri. Spans the South and Northeast regions.

LA6recordsCA5recordsMO5recordsVA4recordsTN4recordsVT4records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (53%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (7) and Business & Corporate Filings (6).

34
Contact & Address Records
7
PPP Loan Records
6
Business & Corporate Filings
5
Voter Registration Records
5
Vehicle Registration Records
3
Political Contribution Records

Age Distribution

Age range: approximately 61 years, suggesting multiple generations. Largest group: Senior (65+) (33%).

Senior (65+)4peopleMiddle-Age (40-64)7peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About Michael Nicolay

Is Michael Nicolay a registered voter?
Yes, voter registration records show Michael Nicolay is registered. We found 5 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Michael Nicolay own property?
County assessor records show 2 properties associated with Michael Nicolay . 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 Michael Nicolay?
Records show 5 vehicle registrations associated with Michael Nicolay, including a 1994 HONDA CIVIC. Registered makes include Honda, Chevrolet, Chrysler, Volkswagen. 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 Michael Nicolay?
We found 6 business affiliations for Michael Nicolay, including Michael Nicolay. Other companies include Vaco Band, la mandarine liege sprl. Business records are compiled from state registries, SEC filings, and professional databases.
Is Michael Nicolay a healthcare provider?
Yes, the CMS National Provider Identifier registry lists Michael Nicolay as a registered healthcare provider (NPI: 1063875375). NPI registration is required for all providers billing Medicare or Medicaid. This listing confirms enrollment in the federal healthcare system but does not indicate quality of care.
Has Michael Nicolay made political donations?
FEC disclosure records show 3 reported political contributions from Michael Nicolay, totaling $43. Recipients include Warren, Elizabeth. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Michael Nicolay?
Our database contains 74 total records for Michael Nicolay spanning 15 states. This includes 28 distinct contact records, 16 with phone numbers, 7 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 Michael Nicolay?
The 74 records displayed for Michael Nicolay 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 Michael Nicolay 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.