Nicole Richman from Shawnee Mission, KS

Age 43
๐Ÿ“ 5116 50th Ter, Shawnee Mission, KS 66205
๐Ÿ“ž (913) 384-9210
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Frances M Richman,Ronald L Richman,Crystal G Richman,James N Richmansr,Steven C Richman,Tomenia Rich

Nicole Richman

๐Ÿ“ 56 Sydneys Way, Gorham Me
๐Ÿ“ž (207) 468-8108, (207) 893-2712
โœ‰๏ธ RICHLCSW@MAINE.RR.COM

Nicole Richman from Humble, TX

๐Ÿ“ 19945 Faye Oaks Dr
๐Ÿ“ž (281) 832-4455 (SPRINT)
โœ‰๏ธ ANDYOULIKDIT@GMAIL.COM

Nicole Richman from New York, NY

Age 54 b. Mar 1972
๐Ÿ“ 102 E 22nd St Apt 2 F
๐Ÿ“ž (715) 359-4317

Nicole Richman from Utica, MI

Age 52 b. Oct 1973 Macomb Co.
๐Ÿ“ 11091 Runyan Ln
๐Ÿ“ž (586) 739-4304

Nicole Richman from Yorktown Hts, NY

Age 47 b. Feb 1979 Westchester Co.
๐Ÿ“ 1452 Whitehill Rd
๐Ÿ“ž (914) 962-3644

Nicole Richman from Durham, NC

Age 54 b. Mar 1972 Durham Co.
๐Ÿ“ 3611 University Dr 5 O
๐Ÿ“ž (317) 581-0852

Nicole Richman from Rexburg, ID

Age 49 b. Oct 1976 Madison Co.
๐Ÿ“ 575 Johnson St
๐Ÿ“ž (208) 356-9542

Nicole Richman

๐Ÿ“ 501 13th Ave, Belmar Nj
๐Ÿ“ž (732) 850-1500, (732) 850-1500
โœ‰๏ธ NICOLERICHMAN@OPTIMUM.NET

Nicole Richman

๐Ÿ“ 33222 Canaan, Deer Island Or 97054
๐Ÿ“ž (503) 501-8232, (503) 501-8232
โœ‰๏ธ NICOLERICHMAN13@GMAIL.COM

Nicole Richman

๐Ÿ“ 33222 Canaan Rd, Deer Island Or
๐Ÿ“ž (503) 501-8232, (503) 501-8232
โœ‰๏ธ NICOLERICHMAN13@GMAIL.COM

Nicole Richman

๐Ÿ“ 172 Stockham Blvd, Rigby Id
๐Ÿ“ž (208) 403-2176
โœ‰๏ธ NRICHMAN@HOTMAIL.COM

Nicole Richman from Gorham, ME

Age 56 b. 1970 Female
๐Ÿ“ 56 Sydneys Way
๐Ÿ“ž (207) 839-3535

Nicole Richman from Topeka, KS

Age 55 b. Sep 1970 Shawnee Co.
๐Ÿ“ Po Box 2683

Nicole Richman from Blacksburg, VA

Age 45 b. Dec 1980 Montgomery Co.
๐Ÿ“ Campbell Hall Va Polytech A St 224 E

Nicole Richman from Buxton, ME

Age 55 b. May 1970 York Co.
๐Ÿ“ 49 Rose Rdg Wa
๐Ÿ‘ค aka Pietrini Nicole L

Nicole Richman from La Vergne, TN

Age 37 b. Jul 1988
๐Ÿ“ 1302 Lyndsey Ridge Dr
๐Ÿ‘ค aka Nicole Renee Short, Nicole Renee Richmond, Nicole Short

Nicole Richman from Agoura Hills, CA

Age 51 b. Sep 1974 Los Angeles Co.
๐Ÿ“ 30856 Agoura Rd Apt A 9

Nicole Richman from Rexburg, ID

Age 49 b. Oct 1976 Madison Co.
๐Ÿ“ 455 W 5th
๐Ÿ‘ค aka Nicole Richman

Nicole Richman from Rexburg, ID

Age 50 b. 1976 Female
๐Ÿ“ 305 Oaktrail Dr

Nicole Richman from Houston, TX

Harris Co.
๐Ÿ“ 11735 S Glen 803

Nicole Richman from New York, NY

๐Ÿ“ 245 7th Ave 7 A

Nicole Richman from New York, NY

๐Ÿ“ 102 E 22nd St 2 F

Nicole Richman from East Lansing, MI

Ingham Co.
๐Ÿ“ 529 Sunrise Ct

Unknown Person

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 26 contact records for Nicole Richman across 10 states. The most recent address on file is in Humble, Texas. Of these records, 14 include phone numbers and 7 include email addresses. The listed age is 43. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Nicole D Richman

Unaffiliated
2169 Bernadette Ct, Sea Girt, 08750
DOB: 5/6/1978
County: Monmouth

Nicole Richman

Democrat Reg: 10/19/2012
22 Morningglory Ln, Levittown, PA, 19054
DOB: 03/29/1994

Nicole Alexis Richman

3546 Knollwood RD, Fort Myers, , 33919

Nicole Alexis Richman

Democrat
2870 Stinnett Rd, Huntingtown, MD, 20639
Gender: Female
County: Calvert

Nicole E Richman

Democrat
1775 York Avenue, 0, 10128
DOB: 19720320 Gender: Female

Nicole J Richman

Democrat
155 West 68 Street, 10023
DOB: 19700213 Gender: Female

Nicole Richman

Democrat
1452 White Hill Rd, 4, 10598
DOB: 19790220 Gender: Female

Nicole Marie Richman

Republican Reg: 4/27/2012
33222 Canaan Rd, Deer Island, OR, 97054
DOB: 1/1/1979
County: Columbia

Nicole Rae Richman

NAV Reg: 8/13/2018
2105 2nd St, La Grande, OR, 97850
DOB: 1/1/1993
County: Union

Nicole Richman

22 Morningglory Ln
DOB: 03/29/1994

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 10 voter registration records were found for Nicole Richman in Pennsylvania, , Maryland and 1 other state. Records show affiliations with U, D, DEM, REP, NAV, which may reflect different individuals or changes over time. 3 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2013 Honda CR-V
ยท Registered to: Nicole Richman
ยท VIN: 2HKRM4H73DH668792
·
935 Ontario St, Oak Park, IL, 60302
·
(630) 832-3100
2010 Lexus IS
ยท Registered to: Nicole Richman
ยท VIN: JTHCF5C22A5039505
·
2169 Bernadette Ct, Sea Girt, NJ, 08750
·
(732) 850-1500
2013 Nissan Maxima
ยท Registered to: Nicole Richman
ยท VIN: 1N4AA5AP1DC822973
·
2169 Bernadette Ct, Sea Girt, NJ, 08750
·
(732) 850-1500
2006 TOYOTA RAV4 MINI SPORT UTILITY
ยท Registered to: Nicole Richman
ยท VIN: JTMBD31VX65020096
·
56 Sydneys Way, Gorham, ME, 04038
2008 Mitsubishi Lancer
ยท Registered to: Nicole Richman
ยท VIN: JA3AU26U58U008516
·
575 Johnson St, Rexburg, ID, 83440-2564
2007 HONDA CIVIC
ยท Registered to: Nicole Richman
ยท VIN: 2HGFG128X7H504870
·
125 Brian Ave, Ewing, NJ, 08638-3815
2016 Nissan Rogue
ยท Registered to: Nicole Richman
ยท VIN: 5N1AT2MV0GC915609
·
56 Sydneys Way, Gorham, ME, 04038
·
(207) 329-5476
2017 HONDA CR-V
ยท Registered to: Nicole Richman
ยท VIN: 2HKRM4H73HH668792
·
1262 Barneswood Dr, Downers Grove, IL, 60515-1409
·
(630) 832-3100
2006 SUBA GG68
ยท Registered to: Nicole Richman
ยท VIN: JF1GG68636H810583
·
445 E Ohio St Apt 3014, Chicago, IL, 60611-4699
·
606114699
2008 Chrysler Town & Country
ยท Registered to: Nicole Richman
ยท VIN: 2A8HR54P88R783169
·
11091 Runyan Ln, Shelby Twp, MI, 48317-1836
·
(586) 739-4304
2008 JEEP GRAND CHEROKEE WAGON
ยท Registered to: Nicole Richman
ยท VIN: 1J8GR48KX8C140383
·
11091 Runyan Ln, Shelby Township, MI, 48317
·
(586) 739-4304
2013 Honda CR-V
ยท Registered to: Nicole Richman
·
56 Sydneys Way, Gorham, ME, 04038
·
(207) 839-3535

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 12 vehicle registration records are associated with Nicole Richman. Registered makes include Honda, Lexus, Nissan, Toyota and others. 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.

Self-employed(model)

nicolexx23@gmail.com

Nicole Richman LCSW

Owner
(207) 839-3535
Gorham, ME
Social Services (Services)

Nicole Richman

Senior Event Manager
Blueprint Partners
London, Greater London, United Kingdom Events Services

Nicole Richman

Science Recruiter
New Jersey

Top Driver;

Nicole RichmanFounder
(818) 631-1163nicole.richman@earthlink.net
6058 Caledonia Ct, Oak Park, CA91377
safedrivermiles.com

Nicole Richman Lcsw

Nicole RichmanOwner
(207) 839-3535nicole@nicolerichmanlcsw.com
Gorham, ME

Rochester Community Schools

Nicole RichmanEnglish Teacher
(248) 726-4900nrichman@rochester.k12.mi.us
Rochester Hls, MI

Nicole Richman

Portland, Oregon Area

Nicole Richman

Deer Island, OR

Nicole Richman

Deer Island, OR97054

Top Driver;

Nicole RichmanFounder
(818) 631-1163nicole.richman@earthlink.net
6058 Caledonia Ct, Oak Park, CA91377

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 18 business affiliations were found for Nicole Richman. Companies include Nicole Richman LCSW, Blueprint Partners, Nicole Richman Lcsw and 2 more. Roles listed include Null and Founder. Records are compiled from state business registries, SEC filings, and professional networking databases.

Nicole Richman

LCSW
Individual
NPI: 1386603363

Nicole Richman

CSW
CLINICAL SOCIAL WORKER
Individual Female
NPI: 1386603363
School: OTHER (1997)

Source: CMS NPI Registry (NPPES) ยท State Medical Boards ยท Healthcare Provider Databases 2 healthcare provider records found for Nicole Richman 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.

nicole richman

Non-Res Adjuster - All Lines
VALID
License # W854383
Addr: Mechanicsburg, PA

Nicole Richman

Medical Board
ACTIVE
License # 036121400
Firm: Nicole C Richman Md
Addr: Westmont, IL 60559

nicole richman

Medical Board
EXPIRED
License # 125051943
Specialty: Internal Medicine
Addr: Chicago, IL 60612
County: Cook
Issued: Jun 24, 2006 Exp: Jun 23, 2009

Licensed Professional

Licensed Professional

Licensed Professional

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Nicole Richman holds 6 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Nicole E Richman

Mar 7, 2012, 01:00 PM
ยท Meeting with: White House Staff
ยท OEOB

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA Nicole Richman appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

Nicole Richman

Newtown High School - Sandy Hook, CT, CT
1988

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Nicole Richman 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.

$25 Dec 11, 2003
2004
Mi Education Association Mea Pac
Richman, Nicole L Shelby Twp, MI
$50 Dec 13, 2013
2014
Mi Education Association Mea Pac
Richman, Nicole Shelby Township, MI
$3 Apr 4, 2019
2020 DEM
Sanders, Bernard
Richman, Nicole Scientist @ Princeton Biomeditech CORP Cherry Hill, NJ
$50 Dec 13, 2011
2012
Mi Education Association Mea Pac
Richman, Nicole Shelby Township, MI
$15 Feb 11, 2016
2016 DEM
Sanders, Bernard
Richman, Nicole Not Employed Ewing, NJ
$50 Dec 13, 2013
Mi Education Association Mea Pac
Contributor Shelby Township, MI
$50
2014
Mi Education Association Mea Pac
Contributor Shelby Township, MI

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 7 political contribution records found for Nicole Richman. Total disclosed contributions amount to $243. Recipients include Mi Education Association Mea Pac. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Nicole Richman

Female
·
2146 Robison Dr, Rexburg, ID 83440 (Madison County)
43.7390, -111.8210
TZ: Mountain
Single Family
MP

Nicole Richman

Age 23 Female
·
22 Morning Glory Ln, Levittown, PA 19054 (Bucks County)
40.1667, -74.8349
· (215) 252-0188
Marital: Single TZ: Eastern
Homeowner Single Family Built 1952 Purchased 2003
MP

Nicole Richman

Age 40 Female
·
4117 E 605 N, Rigby, ID 83442 (Jefferson County)
43.7146, -111.8840
Marital: Single TZ: Mountain
Single Family
MP

Nicole R Richman

Age 29 Female
·
1302 Lyndsey Ridge Dr, La Vergne, TN 37086 (Rutherford County)
36.0020, -86.5555
· (615) 738-8791
Marital: Married TZ: Central
Homeowner Single Family Built 2002 Purchased 2011
MP

Nicole L Richman

Age 43 Female
·
11091 Runyan Ln, Shelby Twp, MI 48317 (Macomb County)
42.6620, -83.0208
· (586) 739-4304
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Purchased 2003
MP

Nicole R Richman

Age 47 Female
·
56 Sydneys Way, Gorham, ME 04038 (Cumberland County)
43.7287, -70.4262
· (207) 329-5476
Marital: Married TZ: Eastern
Occ: Healthcare Edu: Some College
Homeowner Single Family Built 2002
MP

Nicole Richman

Age 38 Female
·
1262 Barneswood Dr, Downers Grove, IL 60515 (Dupage County)
41.8219, -88.0183
Marital: Single TZ: Central
Single Family
MP

Nicole D Richman

Age 39 Female
·
PO Box 91, Bradley Beach, NJ 07720 (Monmouth County)
40.2036, -74.0116
Marital: Inferred Married TZ: Eastern
Single Family
MP

Nicole E Richman

Age 45 Female
·
1775 York Ave, New York, NY 10128 (New York County)
40.7801, -73.9442
· (212) 677-7323
Marital: Single TZ: Eastern
Occ: White Collar Edu: Some College
Multi-Family
MP

Nicole M Richman

Age 38 Female
·
33222 Canaan Rd, Deer Island, OR 97054 (Columbia County)
45.9351, -122.8830
· (503) 396-3030
TZ: Pacific
Homeowner Single Family Built 1930 Purchased 2012

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 10 demographic profiles associated with Nicole Richman. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find Nicole Richman on the map

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Nicole Richman in ME: Background Summary

Location
56 Sydneys Way Gorham, ME 04038-5864
Other Locations
Humble, TX ยท New York, NY ยท Utica, MI and 11 more
Profiles Found
26 people with this name
Phone Numbers
(207) 893-2712 and 13 others on file
Email
nicolerichman@inbox.com and 6 others on file
Possible Relatives
Michael E Richman, Anthony T Pietrini, Carl R Richman, Frank Lee Crissinger, Gloria M Crissinger and 32 more
Career
Founder, Owner-Great American Images at Nicole Richman LCSW, Blueprint Partners
Voter Registration
Registered Democrat
Vehicles
12 linked โ€” 2013 Honda Cr-V, 2010 Lexus IS and 10 more
Contributions
$243 total โ€” Mi Education Association Mea Pac, Mi Education Association Mea Pac
Healthcare
Licensed provider โ€” CLINICAL SOCIAL WORKER
Licenses
3 professional licenses (NON-RES ADJUSTER - ALL LINES, MEDICAL BOARD)
White House
1 recorded visit

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 Nicole Richman. Because public records are indexed by name rather than by a unique identifier, the 94 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.

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 Nicole Richman

Search Complexity: High

94 public records across 16states, belonging to approximately 26 different individuals. With 26 distinct profiles across 16 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 16 states. Highest concentration: Maine (11%), followed by Illinois and Oregon. Spans the Northeast and Midwest regions.

ME10recordsIL8recordsOR6recordsMI6recordsPA6recordsID6records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (33%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (18) and Vehicle Registration Records (12).

27
Contact & Address Records
18
Business & Corporate Filings
12
Vehicle Registration Records
10
Voter Registration Records
7
Political Contribution Records
6
Professional License Records

Age Distribution

Age range: approximately 18 years. Largest group: Middle-Age (40-64) (89%).

Middle-Age (40-64)8peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About Nicole Richman

Is Nicole Richman a registered voter?
Yes, voter registration records show Nicole Richman is registered with U affiliation. We found 10 voter registration entries across 4 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
What vehicles are registered to Nicole Richman?
Records show 12 vehicle registrations associated with Nicole Richman, including a 2013 Honda CR-V. Registered makes include Honda, Lexus, Nissan, Toyota. 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 Nicole Richman?
We found 18 business affiliations for Nicole Richman (null). Other companies include blueprint partners, Nicole Richman Lcsw. Business records are compiled from state registries, SEC filings, and professional databases.
Is Nicole Richman a healthcare provider?
Yes, the CMS National Provider Identifier registry lists Nicole Richman as a registered healthcare provider (NPI: 1386603363). 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 Nicole Richman made political donations?
FEC disclosure records show 7 reported political contributions from Nicole Richman, totaling $243. Recipients include Mi Education Association Mea Pac. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Nicole Richman?
Our database contains 94 total records for Nicole Richman spanning 16 states. This includes 26 distinct contact records, 14 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 Nicole Richman?
The 94 records displayed for Nicole Richman 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 Nicole Richman 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.