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Mr Oscar Jameson Stokes Jr from Milton, GA

Age 44
📍 456 Woodliff Pl, #milton, GA 30004-8108
✉️ ta.stokes@localnet.com, ostokes@msn.com, jstokesmd@yahoo.com, stokes-o@bellsouth.net, oscarstokes@gmail.com
👨‍👩‍👧 Relatives: Essimena Stokes,Carla Esmeralda Ayala,Christine A Stokes,Jameson Stokes,Jameson Stokes,Jan Stokes Tingle,Leonard D Holland,Oscar Stokes Jr,Adia Y Stokes,Airy Geeter Thomas,Aubrey F Tingle,Bernice E Holland,Billy Dewayne Thomas,Carlos Ayala,Chiquitta Nicloe Jackson,Christina L Thomas,Christine Stokes-Beverley,D Thomas Stokes Tashawna,Delores Thomas,Denise Stokes Tashawna,Dennis K Holland Sr,Elnora D Holland,Felix Terrel Thomas Jr,Granita D Griffin,Granita D Thomas,Horace Thomas Sr,Jaime Ayala,Jannie Thomas,John Mark Thomas,Jonathan B Beverley,Laquan Thomas Ellis,Marlyn Thomas,Marlyn Thomas,Maureen Ann Miller,Robin M Holland,Stacey Stokes,Tangy M Thomas,Thomas Stokes Jr,Ursula K Thomas
🕐 16 previous addresses

Oscar Stokes

Age 53 b. 1972-08-09
📍 456 Woodliff Pl, Milton Ga
📞 (251) 767-6779, (404) 820-3448
✉️ JSTOKESMD@YAHOO.COM

Oscar Stokes

📍 3870 Paper Birch Ln, Lithonia Ga
📞 (770) 674-5696, (678) 910-3986
✉️ OSCARSTOKES3214@YAHOO.COM

Oscar Stokes from Los Angeles, CA

Age 51 b. Aug 1974 Los Angeles Co.
📍 12012 Compton Ave Unit 6209
📞 (870) 899-2963, (310) 668-8976

Oscar Stokes from Brooklyn, NY

Age 96 b. Dec 1929 Kings Co.
📍 250 Midwood St
📞 (718) 771-5805

Oscar Stokes from Inglewood, CA

Age 96 b. Aug 1929 Los Angeles Co.
📍 9501 S 2nd Ave
📞 (323) 757-4542

Oscar Stokes from Paradise, TX

Age 101
📍 484 Rr 1 #484, Paradise, TX 76073
📞 (940) 969-2582
👨‍👩‍👧 Relatives: Maxine E Stokes

Oscar Stokes from Des Moines, WA

Age 96 b. Nov 1929
📍 2037 S 222nd St
📞 (206) 878-8111
👤 aka O J Stokes

Oscar Stokes from Tignall, GA

Age 90 b. Feb 1936 Wilkes Co.
📍 1890 Gills Point Rd
📞 (706) 359-2706

Oscar Stokes from Westfield, NJ

Age 97 b. Apr 1928
📍 626 Forest Ave
📞 (405) 748-6753

Oscar J Stokes

📍 456 Woodliff Pl, Alpharetta Ga
📞 (404) 820-3448, (404) 820-3448
✉️ JSTOKESMD@YAHOO.COM

Oscar Stokes from Jacksonville, FL

Age 74 b. 1952 Male
📍 761 Village Center Dr S
📞 (904) 993-3852

Oscar Stokes from Morrow, GA

Age 87 b. Aug 1938 Clayton Co.
📍 6580 Fleming Rd

Oscar Stokes from Los Angeles, CA

Age 60 b. Dec 1965 Los Angeles Co.
📍 5315 Chesley Ave

Oscar Stokes from Detroit, MI

Age 107 b. Aug 1918 Wayne Co.
📍 4855 Beaconsfield St

Oscar Stokes from Columbus, OH

Age 76 b. Jun 1949
📍 3736 Petzinger Rd
👤 aka Oscar J Stokes

Oscar Stokes from Tallahassee, FL

Age 31 b. 1995 Male
📍 1126 Gibbs Dr
📞 (850) 273-9426 (Cell)

Oscar Stokes from Jackson Heights, NY

0
📍 3565 86th St, Jackson Heights, NY 11372

Oscar Stokes from Inglewood, CA

Los Angeles Co.
📍 10702 S 2nd Ave
📞 (310) 343-1066

Oscar Stokes from Tallahassee, FL

Leon Co.
📍 5930 Blountstown Hwy 1
📞 (816) 524-3185

Oscar Stokes from Columbus, OH

Franklin Co.
📍 1448 E 23 Rd Ave
📞 (614) 291-3637

Oscar Stokes from Uniontown, PA

Fayette Co.
📍 414 Morgantown St
📞 (718) 629-9045

Oscar Stokes from Mobile, AL

Mobile Co.
📍 900 Downtowner Blvd 75
📞 (901) 794-8133

Oscar Stokes from Tallahassee, FL

Leon Co.
📍 1700 Joe Louis St Apt 94
📞 (314) 892-0537

Oscar Stokes from Nashville, TN

Davidson Co.
📍 944 21st Ave N Apt 311

Oscar Stokes from Pensacola, FL

Escambia Co.
📍 2911 N Hayne St

Oscar Stokes from Paradise, TX

Wise Co.
📍 1 Po Box 484

Oscar Stokes

📍 1 Box 299 A Fl Emington Mo

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 28 contact records for Oscar Stokes across 12 states. The most recent address on file is in Los Angeles, California. Of these records, 19 include phone numbers and 4 include email addresses. The listed age is 101. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Stokes Oscar Jameson And Tashawna Denise

Limestone County
· 3157 Lakeland Dr; Madison, AL 35756, Mooresville

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 1 property record linked to Oscar Stokes in Mooresville. Values shown are from county assessor records and may differ from current market prices.

Oscar Stokes

Lithonia, 300383342
DOB: 1/1/1938 Gender: Male
Congress: 004

Oscar Stokes

Tifton, 317946100
DOB: 1/1/1950 Gender: Male
Congress: 008

Oscar Stokes

Tignall, 306684307
DOB: 1/1/1936 Gender: Male
Congress: 010

Oscar Stokes

Milton, 30004
DOB: 1/1/1974 Gender: Male
Congress: 006

Oscar Lamar Stokes

1126 Gibbs Dr, Tallahassee, , 32303

Oscar Stokes

Reg: 20050623
3870 Paper Birch Ln, Lithonia, 300383342
Gender: Male

Oscar B Stokes

County: Hickory

Oscar Stokes

Democrat
250 Midwood Street, 11225
DOB: 19291209 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 8 voter registration records were found for Oscar Stokes in . Party affiliation is listed as DEM. Voter data is released as public information under state election laws and reflects status at time of the state data release.

1995 FORD ESCORT
· Registered to: Oscar Stokes
· VIN: 3FASP13JXSR155601
·
11855 Minford Cir N, Jacksonville, FL, 32246
2010 BUICK LACROSSE
· Registered to: Oscar Stokes
· VIN: 1G4GC5EG2AF200025
·
Rr 2 Box 299a, Flemington, MO, 65650-9608
·
(417) 754-8213
1989 BUICK LESABRE CAR TRAD LARGE
· Registered to: Oscar Stokes
· VIN: 1G4HP54C7KH439986
·
11855 Minford Cir N, Jacksonville, FL, 32246
2007 Chevrolet Avalanche
· Registered to: Oscar Stokes
· VIN: 3GNEC120X7G108297
·
3870 Paper Birch Ln, Lithonia, GA, 30038-3342
·
(770) 674-5696
2013 Cadillac Srx
· Registered to: Oscar Stokes
· VIN: 3GYFNEE32DS592697
·
8803 Cimarron St, Los Angeles, CA, 90047
·
(323) 821-8863
1988 FORD TEMPO 4DR SEDAN
· Registered to: Oscar Stokes
· VIN: 1FAPP36X7JK139439
·
11849 Minford Cir N, Jacksonville, FL, 32246
1990 MERCURY COUGAR 2DR SEDAN
· Registered to: Oscar Stokes
· VIN: 1MEPM6049LH658249
·
11849 Minford Cir N, Jacksonville, FL, 32246

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 7 vehicle registration records are associated with Oscar Stokes. Registered makes include Ford, Buick, Chevrolet, Cadillac and others. The most recent model year on record is 2013. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Family Portrait Svc

Owner
(908) 276-6661
Summit, NJ
Personal Services (Services)

Dels Service Electric

Owner
(206) 878-8111
Seattle, WA
Miscellaneous Repair Services (Services)

Family Portrait Services

Owner
Summit, NJ
Personal Services (Services)

Spectrum Voice & Data

Oscar StokesSales Customer
oscar.stokes@rocketmail.com
20 Berkeley Pl, Cranford, NJ7016
spectrumvoice-data.com

Oscar Stokes

Firefighter at Lacity<br

Spectrum Voice & Data

Oscar StokesSales Customer
oscar.stokes@rocketmail.com
20 Berkeley Pl, Cranford, NJ7016

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 8 business affiliations were found for Oscar Stokes. Companies include Family Portrait Svc, Dels Service Electric, Family Portrait Services and 1 more. Roles listed include Sales Customer. Records are compiled from state business registries, SEC filings, and professional networking databases.

Oscar Stokes,

Addr: Rr 82, Flemington, MO, 65774
MO

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

oscar LAMAR stokes

Age 30
Freshwater Fishing - 1 year
Addr: 1070 Mays Rd, Monticello, FL 32344
County: Jefferson
Phone: (850) 273-9426
Email: Stokes.oscar@icloud.com

oscar LAMAR stokes

Freshwater Fishing - 1 year
Addr: Monticello, FL 32344
County: Jefferson
Phone: (850) 273-9426
Email: Stokes.oscar@icloud.com

Source: State Professional Licensing Boards · Dept. of Professional Regulation Oscar Stokes holds 2 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.

🏛️

Unknown

🏛️

Oscar Stokes

2024
Firefighter Iii
Department: Fire
💵 Pay: $195,741.29

Source: City/State Transparency Portals · Government Payroll Databases · Open Data Portals Oscar Stokes appears in 2 government employment records from city, state, or federal transparency portals. Salary figures reflect taxpayer-funded public employee compensation and may not include overtime or benefits.

Oscar Stokes

Crenshaw High School - Los Angeles, CA, CA
1983

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Oscar Stokes 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.

$3 Jun 7, 2002
2002
Drive Democrat, Republican, Independent
Stokes, Oscar Los Angeles, CA
$2 May 10, 2002
2002
Drive Democrat, Republican, Independent
Stokes, Oscar Los Angeles, CA
$2 Apr 5, 2002
2002
Drive Democrat, Republican, Independent
Stokes, Oscar Los Angeles, CA
$2 May 10, 2002
Drive Democrat, Republican, Independent
Contributor Los Angeles, CA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 4 political contribution records found for Oscar Stokes. Total disclosed contributions amount to $9. Recipients include Drive Democrat, Republican, Independent. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Oscar Stokes

Male
·
1300 Upper Hembree Rd, Roswell, GA 30076 (Fulton County)
34.0668, -84.3206
TZ: Eastern
Single Family
MP

Oscar B Stokes

Age 89 Male
·
2616 Chippendale Trl, Sanford, NC 27330 (Lee County)
35.4593, -79.1686
· (919) 349-6701
Marital: Married TZ: Eastern
Homeowner Single Family Built 1973
MP

Oscar Stokes

Age 21 Male
·
1126 Gibbs Dr, Tallahassee, FL 32303 (Leon County)
30.4545, -84.2918
Marital: Single TZ: Eastern
Single Family
MP

Oscar Stokes

Male
·
207 Farmington Dr, Harvest, AL 35749 (Madison County)
34.8521, -86.7549
TZ: Central
Homeowner Single Family Built 2009 Purchased 2012
MP

Oscar J Stokes

Age 87 Male
·
2037 S 222nd St, Seattle, WA 98198 (King County)
47.4036, -122.3060
· (206) 878-8111
Marital: Married TZ: Pacific
Homeowner Single Family Built 1953
MP

Oscar Stokes

Age 64 Male
·
761 Village Center Dr S, Jacksonville, FL 32206 (Duval County)
30.3566, -81.6629
Marital: Inferred Single TZ: Eastern
Multi-Family
MP

Oscar L Stokes

Age 67 Male
·
4114 Plaza Dr, Tifton, GA 31794 (Tift County)
31.4309, -83.5055
· (229) 392-6603
Marital: Married TZ: Eastern
Occ: White Collar Edu: High School
Homeowner Single Family
MP

Oscar Stokes

Age 87 Male
·
250 Midwood St, Brooklyn, NY 11225 (Kings County)
40.6599, -73.9528
Marital: Married TZ: Eastern
Occ: White Collar Edu: High School
Homeowner Multi-Family
MP

Oscar Stokes

Age 79 Male
·
3870 Paper Birch Ln, Lithonia, GA 30038 (Dekalb County)
33.6841, -84.0866
· (770) 674-5696
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 2006 Purchased 2006
MP

Oscar Stokes

Age 73 Male
·
414 Morgantown St, Uniontown, PA 15401 (Fayette County)
39.8884, -79.7364
Marital: Married TZ: Eastern
Homeowner Single Family
MP

Oscar Stokes

Age 92 Male
·
409 Stokes Rd, Rockingham, NC 28379 (Richmond County)
34.8776, -79.7691
· (910) 582-0211
Marital: Single TZ: Eastern
Homeowner Single Family Built 1951

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 11 demographic profiles associated with Oscar Stokes. 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 Oscar Stokes. These loans were issued to businesses, not individuals.

Kalsang Choephel

Sole Proprietorship

$5,577 Paid in Full
Address:
3565 86th St
Jackson Heights, NY11372-5647
Approved

Feb 11, 2021

Forgiven

$5,629

Jobs Reported

1

Loan #

6827988400

Loan Size

Small

Melrose Harley

Sole Proprietorship

$20,833 Paid in Full
Address:
2981 The Meadows Way
Atlanta, GA30349-3749
Approved

Apr 26, 2021

Forgiven

$20,896

Jobs Reported

1

Loan #

2286548907

Loan Size

Small

Jemeela Stokes

Sole Proprietorship

$10,416 Paid in Full
Address:
4114 Plaza Dr
Tifton, GA31794-6100
Approved

Apr 13, 2021

Forgiven

$10,450

Jobs Reported

1

Loan #

2714838810

Loan Size

Small

Jemeela Stokes

Sole Proprietorship

$10,416 Paid in Full
Address:
4114 Plaza Dr
Tifton, GA31794-6100
Approved

May 11, 2021

Forgiven

$10,436

Jobs Reported

1

Loan #

8049348910

Loan Size

Small

Melrose Harley

Sole Proprietorship

$20,833 Paid in Full
Address:
2981 The Meadows Way
Atlanta, GA30349-3749
Approved

May 23, 2021

Forgiven

$20,872

Jobs Reported

1

Loan #

6740289003

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 5 PPP loan records are linked to businesses associated with Oscar Stokes. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Oscar Stokes on the map

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Found 57 results across 14 states

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Oscar Stokes in GA: Background Summary

Location
456 Woodliff Pl Milton, GA 30004-8108
Other Locations
Los Angeles, CA · Brooklyn, NY · Inglewood, CA and 13 more
Profiles Found
28 people with this name
Phone Numbers
(323) 316-8090 and 21 others on file
Email
ta.stokes@localnet.com and 5 others on file
Possible Relatives
Essimena Stokes, Carla Esmeralda Ayala, Christine A Stokes, Jameson Stokes, Jan Stokes Tingle and 33 more
Career
Sales Customer at Family Portrait Svc, Dels Service Electric
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
7 linked — 1995 Ford Escort, 2010 Buick Lacrosse and 5 more
Contributions
$8.5 total — Drive Democrat, Republican, Independent
Licenses
2 professional licenses (Freshwater Fishing - 1 year)
PPP Loans
$68,075 for Kalsang Choephel, Melrose Harley

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 Oscar Stokes. Because public records are indexed by name rather than by a unique identifier, the 83 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 Oscar Stokes

Search Complexity: High

83 public records across 14states, belonging to approximately 28 different individuals. With 28 distinct profiles across 14 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 — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 14 states. Highest concentration: Florida (13%), followed by California and Georgia. Spans the South and West regions.

FL11recordsCA10recordsGA7recordsNJ6recordsNY4recordsAL4records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (48%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Voter Registration Records (8) and Business & Corporate Filings (8).

33
Contact & Address Records
8
Voter Registration Records
8
Business & Corporate Filings
7
Vehicle Registration Records
5
PPP Loan Records
4
Political Contribution Records

Age Distribution

Age range: approximately 56 years, suggesting multiple generations. Largest group: Senior (65+) (70%).

Senior (65+)7peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Oscar Stokes

Is Oscar Stokes a registered voter?
Yes, voter registration records show Oscar Stokes is registered. We found 8 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Oscar Stokes own property?
County assessor records show 1 property associated with Oscar Stokes . 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 Oscar Stokes?
Records show 7 vehicle registrations associated with Oscar Stokes, including a 1995 FORD ESCORT. Registered makes include Ford, Buick, Chevrolet, Cadillac. 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 Oscar Stokes?
We found 8 business affiliations for Oscar Stokes, including Family Portrait Svc. Other companies include Dels Service Electric, Family Portrait Services. Business records are compiled from state registries, SEC filings, and professional databases.
Has Oscar Stokes made political donations?
FEC disclosure records show 4 reported political contributions from Oscar Stokes, totaling $9. Recipients include Drive Democrat, Republican, Independent. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Oscar Stokes?
Our database contains 83 total records for Oscar Stokes spanning 14 states. This includes 28 distinct contact records, 19 with phone numbers, 4 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Oscar Stokes?
The 83 records displayed for Oscar Stokes 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 Oscar Stokes 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.