Patsy Coffman

Age 78 b. 1947-11-04
๐Ÿ“ 2061 Smokewood Ave, Fullerton Ca
๐Ÿ“ž (714) 879-1563, (714) 686-6654
โœ‰๏ธ PJCOFFMAN@GMAIL.COM, pjcoffman@gmail.com

Patsy R Coffman

Age 88 b. 1937-09-04
๐Ÿ“ Apt 303, 15505 Bammel North Houston Rd, Houston Tx
๐Ÿ“ž (254) 716-8536
โœ‰๏ธ PBCD37@AOL.COM, pbcd37@aol.com

Patsy Coffman from Carpentersville, IL

Age 66
๐Ÿ“ 1021 Rosewood Dr, Carpentersville, IL 60110
๐Ÿ“ž (847) 836-9412, (847) 836-9412, (847) 490-0082
โœ‰๏ธ ladypatches@comcast.net, pabpatches@aol.com

Patsy Coffman from Wellston, OH

Age 89 b. Dec 1936
๐Ÿ“ 460 S Michigan Ave Apt 7
๐Ÿ“ž (740) 384-6508, (740) 384-6529
๐Ÿ‘ค aka Patsy R Coffman

Patsy Coffman from Lexington, TN

Age 69
๐Ÿ“ 11000 Highway 104, Lexington, TN 38351
๐Ÿ“ž (731) 968-2351, (901) 968-2351
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Lisa A Coffman,Hayoung Hayoungcaffman,Craig D Coffman,Jeffrey B Coffman

Patsy Coffman from Sherwood, AR

Age 79
๐Ÿ“ 511 Hillwood Dr, Sherwood, AR 72120
๐Ÿ“ž (501) 835-3874, (501) 835-3874
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Gip N Coffman,Gio Coffman

Patsy Coffman from Bigelow, AR

0
๐Ÿ“ 31 Po Box, Bigelow, AR 72016
๐Ÿ“ž (479) 967-3455
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Diane Miller Coffman

Patsy Coffman from Indianapolis, IN

Age 85 b. Oct 1940
๐Ÿ“ 449 N Walcott St
๐Ÿ“ž (317) 972-6962
๐Ÿ‘ค aka Pat Ruth Coffman

Patsy Coffman from Levelland, TX

Age 60
๐Ÿ“ 619 Elgin Ave, Levelland, TX 79336
๐Ÿ“ž (806) 894-2131, (806) 894-2131
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Randy Bryan Coffman,Tiffany Michelle Coffman

Patsy Coffman from Levelland, TX

Age 78
๐Ÿ“ 106 Cottonwood Ln, Levelland, TX 79336
๐Ÿ“ž (806) 897-2127, (806) 897-2987, (806) 897-2127, (806) 897-2987, (806) 525-4450
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Pasty Coffman,Albert Wayne Coffman

Patsy Coffman from Wheelersburg, OH

Age 98 b. Sep 1927 Scioto Co.
๐Ÿ“ 14 Tara Ct
๐Ÿ“ž (307) 266-3520

Patsy Coffman from Warrenton, VA

Age 71 b. Dec 1954 Fauquier Co.
๐Ÿ“ 8324 Botha Rd
๐Ÿ“ž (540) 439-8800

Patsy Coffman from Stroud, OK

Age 88 b. Sep 1937 Lincoln Co.
๐Ÿ“ 317 N 2nd Ave
๐Ÿ“ž (918) 968-1037

Patsy Coffman

๐Ÿ“ 511 Hillwood Dr, Sherwood Ar
๐Ÿ“ž (501) 993-7456, (501) 993-7456
โœ‰๏ธ ATT140928414@NEWCO.DIRECTV.COM

Patsy Coffman from Sherwood, AR

๐Ÿ“ 511 Hillwood Dr
๐Ÿ“ž (501) 835-3874

Patsy Coffman from Bunker Hill, IL

Age 69 b. Mar 1956
๐Ÿ“ 401b E Fayette St

Patsy Coffman from East Alton, IL

Age 90 b. May 1935 Madison Co.
๐Ÿ“ 92 Bert Ave

Patsy Coffman from Yucaipa, CA

Age 97 b. Jun 1928 San Bernardino Co.
๐Ÿ“ 12220 5th St 217
๐Ÿ‘ค aka Coffman Patsy

Patsy Coffman from Thermal, CA

Age 97 b. Jun 1928 Riverside Co.
๐Ÿ“ 345 Desert Shores Dr Unit 87

Patsy Coffman from Bono, AR

Age 61 b. 1965 Female
๐Ÿ“ 114 County Road 373
๐Ÿ’ผ 2304
๐Ÿ“ž (870) 520-1342

Patsy Coffman from Westerville, OH

๐Ÿ“ 13015 Fancher Rd
๐Ÿ“ž (614) 965-5460

Patsy Coffman from Irving, TX

Dallas Co.
๐Ÿ“ 2213 Meadow Da
๐Ÿ“ž (972) 986-9026

Patsy Coffman from Katy, TX

Harris Co.
๐Ÿ“ 22002 Franz Rd

Patsy Coffman from Phoenix, AZ

Maricopa Co.
๐Ÿ“ 815 N 52nd St 2030

Patsy Coffman from Bend, OR

๐Ÿ“ 61611 Summer Shade Dr

Patsy Coffman from Bledsoe, TX

Cochran Co.
๐Ÿ“ Po Box 36

Patsy Coffman from Lexington, TN

Henderson Co.
๐Ÿ“ Rr 4 Box 170 A

Patsy Coffman from Little Rock, AR

Pulaski Co.
๐Ÿ“ 11 Bogey Ln 7

Patsy Coffman

๐Ÿ“ 1 Robertsville Mo

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 31 contact records for Patsy Coffman across 12 states. The most recent address on file is in Wellston, Ohio. Of these records, 20 include phone numbers and 4 include email addresses. Ages range from 60 to 79, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Coffman Patsy Ruth

Mclennan County
· 1540 Bryan Ave Tx, Waco

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

Patsy Ruth Coffman

511 Hillwood Drive, Sherwood, AR, 72120

Patsy Ann Coffman

County: Howell

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for Patsy Coffman in Arkansas. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2010 Ford Focus
ยท Registered to: Patsy Coffman
ยท VIN: 1FAHP3FN7AW118764
·
841 N Prairie St, Bunker Hill, IL, 62014
2004 BUICK RAINIER FULL SIZE UTILITY
ยท Registered to: Patsy Coffman
ยท VIN: 5GADS13S442307116
·
106 Cottonwood Ln, Levelland, TX, 79336
·
(806) 897-2127
2013 Toyota RAV4
ยท Registered to: Patsy Coffman
ยท VIN: 2T3YFREV9DW030786
·
2061 Smokewood Ave, Fullerton, CA, 92831
·
(714) 686-6654
2003 Chevrolet Venture
ยท Registered to: Patsy Coffman
ยท VIN: 1GNDX13E03D114191
·
511 Hillwood Dr, Sherwood, AR, 72120
·
(501) 835-3874
2009 Buick Enclave
ยท Registered to: Patsy Coffman
ยท VIN: 5GAER23D49J134217
·
106 Cottonwood Ln, Levelland, TX, 79336
2004 CHEVROLET CAVALIER
ยท Registered to: Patsy Coffman
ยท VIN: 1G1JC52FX47227633
·
841 N Prairie St, Bethalto, IL, 62010-1358
·
620101358
1999 CHEVROLET S10 PICKUP
ยท Registered to: Patsy Coffman
ยท VIN: 1GCCS1442XK176623
·
5901 Smiley Rd, Celina, TX, 75009

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 7 vehicle registration records are associated with Patsy Coffman. Registered makes include Ford, Buick, Toyota, Chevrolet. 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.

7-Eleven

Executive Assistant
+18002550711patsy.coffman@7-11.com
Seattle,

Bledsoe Main Office

(806) 525-4450
Bledsoe, TX
United States Postal Service (Government)

Placentia Round Table Womens Club

Patsy CoffmanDirector Of
Placentia, CA

Patsy Coffman

California

Learning Community

Patsy CoffmanExecutive Director
patsy.coffman@netzero.net
1540 Bryan Ave, Waco, TX76708
thelearningcommunity.org

Patsy Coffman

Daycare Owner,operator

Learning Community

Patsy CoffmanExecutive Director
patsy.coffman@netzero.net
1540 Bryan Ave, Waco, TX76708

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 8 business affiliations were found for Patsy Coffman. Companies include Bledsoe Main Office, Learning Community. Roles listed include Executive Assistant and Director Of. Records are compiled from state business registries, SEC filings, and professional networking databases.

patsy coffman

Registered Nurse
Expired
Addr: Greenwood, DE

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Patsy Coffman 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.

Patsy Coffman

Bend Sr. High School - Bend, OR, OR
1971

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Patsy Coffman 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.

$20 Oct 14, 2004
2004
Rnc Republican National State Elections Committee
Coffman, Patsy R Retired Yucaipa, CA
$16 Oct 7, 2008
2008 REP
Republican National Committee
Coffman, Patsy R Retired Yucaipa, CA
$35 Sep 13, 2007
2008 REP
National Republican Congressional Committee
Coffman, Patsy R Retired Yucaipa, CA
$20 Nov 1, 2007
2008 REP
National Republican Congressional Committee
Coffman, Patsy R Retired Yucaipa, CA
$35 Oct 16, 2008
2008 REP
National Republican Congressional Committee
Coffman, Patsy R Retired Yucaipa, CA
$20 Nov 1, 2004
2004
Rnc Republican National State Elections Committee
Coffman, Patsy R Retired Yucaipa, CA
$25 Jul 14, 2008
2008 REP
McCain, John S
Coffman, Patsy R Retired Yucaipa, CA
$20 Oct 7, 2008
2008 REP
Republican National Committee
Coffman, Patsy R Retired Yucaipa, CA
$35 Nov 17, 2008
2008 REP
National Republican Congressional Committee
Coffman, Patsy R Retired Yucaipa, CA
$20 Oct 18, 2004
2004
Rnc Republican National State Elections Committee
Coffman, Patsy R Retired Yucaipa, CA
$1 Oct 14, 2004
2004
Rnc Republican National State Elections Committee
Coffman, Patsy R Retired Yucaipa, CA
$23 Oct 28, 2004
2004
Rnc Republican National State Elections Committee
Coffman, Patsy R Retired Yucaipa, CA
$20 Oct 14, 2004
Rnc Republican National State Elections Committee
Contributor Retired Yucaipa, CA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 13 political contribution records found for Patsy Coffman. Total disclosed contributions amount to $290. Recipients include Rnc Republican National State Elections Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Patsy Coffman

Age 72 Female
·
11000 Highway 104 N, Lexington, TN 38351 (Henderson County)
35.7220, -88.4758
Marital: Single TZ: Central
Occ: Service Industry Edu: High School
Homeowner Single Family Built 1960
MP

Patsy R Coffman

Age 88 Female
·
16322 Bellflower Blvd, Bellflower, CA 90706 (Los Angeles County)
33.8862, -118.1250
Marital: Single TZ: Pacific
Edu: Some College
Multi-Family
MP

Patsy Coffman

Age 83 Female
·
511 Hillwood Dr, Sherwood, AR 72120 (Pulaski County)
34.8470, -92.2265
· (501) 835-3874
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Built 1959
MP

Patsy L Coffman

Age 81 Female
·
106 Cottonwood Ln, Levelland, TX 79336 (Hockley County)
33.5643, -102.3680
· (806) 897-2127
Marital: Married TZ: Central
Homeowner Single Family Purchased 1996
MP

Patsy Coffman

·
9922 Flora Vista St, Bellflower, CA 90706 (Los Angeles County)
33.8853, -118.1227
TZ: Pacific
Single Family
MP

Patsy R Coffman

Age 82 Female
·
8353 Rutherford Rd, Shipman, IL 62685 (Macoupin County)
39.1223, -90.0163
Marital: Married TZ: Central
Edu: High School
Single Family
MP

Patsy E Coffman

Age 64 Female
·
40825 N Majesty Ct, Phoenix, AZ 85086 (Maricopa County)
33.8550, -112.1230
Marital: Married TZ: Mountain
Edu: Some College
Single Family
MP

Patsy D Coffman

Age 63 Female
·
2009 Rice Dr, Levelland, TX 79336 (Hockley County)
33.5717, -102.3660
· (806) 894-2131
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Purchased 2008
MP

Patsy C Coffman

Age 64 Female
·
8324 Botha Rd, Warrenton, VA 20186 (Fauquier County)
38.6153, -77.8532
· (540) 439-8800
Marital: Married TZ: Eastern
Occ: Healthcare Edu: Some College
Homeowner Single Family Built 1976 Purchased 1996
MP

Patsy J Coffman

Age 70 Female
·
1266 Tiburon St, Placentia, CA 92870 (Orange County)
33.8851, -117.8450
· (714) 686-6654
Marital: Single TZ: Pacific
Occ: White Collar Edu: High School
Single Family
MP

Patsy Coffman

Age 76 Female
·
449 N Walcott St, Indianapolis, IN 46201 (Marion County)
39.7737, -86.1297
· (317) 972-6962
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1890

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

Miles Away Exp

Limited Liability Company(LLC

$22,102 Paid in Full
Address:
2540 Country Hills Rd Apt 237
Brea, CA92821-4642
Approved

Apr 4, 2021

Forgiven

$22,301

Jobs Reported

1

Loan #

6476358701

Loan Size

Small

Edward Ventura

Sole Proprietorship

$1,702 Paid in Full
Address:
2540 Country Hills Rd Apt 205
Brea, CA92821-4637
Approved

Feb 27, 2021

Forgiven

$1,711

Jobs Reported

1

Loan #

5435798507

Loan Size

Small

B & J Sushi INC

Subchapter S Corporation

$24,027 Paid in Full
Address:
2540 Country Hills Rd 186
Brea, CA92821-4600
Approved

Jun 26, 2020

Forgiven

$24,153

Jobs Reported

6

Loan #

5078858001

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 3 PPP loan records are linked to businesses associated with Patsy Coffman. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Patsy Coffman on the map

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Patsy Coffman in Fullerton, CA: Background Summary

Location
2061 Smokewood Ave, Fullerton Ca, Fullerton, CA
Other Locations
Wellston, OH ยท Indianapolis, IN ยท Wheelersburg, OH and 16 more
Profiles Found
31 people with this name
Phone Numbers
(714) 879-1563 and 22 others on file
Email
pjcoffman@gmail.com and 4 others on file
Possible Relatives
Adam N Coffman, Dale W Coffman, Samuel Alexander Coffman, Alfred S Coffman JR, Angela S Schultz and 103 more
Career
Executive Assistant, Director Of at Bledsoe Main Office, Learning Community
Properties
1property owned
Vehicles
7 linked โ€” 2010 Ford Focus, 2004 Buick Rainier and 5 more
Contributions
$290 total โ€” Rnc Republican National State Elections Committee
Licenses
1 professional license (Registered Nurse)
PPP Loans
$47,831 for Miles Away Exp, Edward Ventura

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 Patsy Coffman. Because public records are indexed by name rather than by a unique identifier, the 91 results displayed here may include information belonging to multiple individuals who share the same name โ€” a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Property Records

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

Voter Registration

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

Business and Professional Records

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

Campaign Finance Contributions

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

Vehicle Records

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

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 Patsy Coffman

Search Complexity: High

91 public records across 13states, belonging to approximately 31 different individuals. With 31 distinct profiles across 13 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Political Contribution Records section may be most helpful for disambiguation because these records include employer and occupation, which are strong distinguishing fields.

Geographic Distribution

Records are widely distributed across 13 states. Highest concentration: Texas (15%), followed by Arkansas and California. Spans the South and Midwest regions.

TX14recordsAR13recordsCA9recordsIL5recordsOH5recordsTN3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (56%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (13) and Business & Corporate Filings (8).

44
Contact & Address Records
13
Political Contribution Records
8
Business & Corporate Filings
7
Vehicle Registration Records
3
PPP Loan Records
2
Voter Registration Records

Age Distribution

Age range: approximately 39 years, suggesting multiple generations. Largest group: Senior (65+) (93%).

Senior (65+)13peopleMiddle-Age (40-64)1person

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

Frequently Asked Questions About Patsy Coffman

Is Patsy Coffman a registered voter?
Yes, voter registration records show Patsy Coffman is registered in Arkansas. We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Patsy Coffman own property?
County assessor records show 1 property associated with Patsy Coffman . 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 Patsy Coffman?
Records show 7 vehicle registrations associated with Patsy Coffman, including a 2010 Ford Focus. Registered makes include Ford, Buick, Toyota, Chevrolet. 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 Patsy Coffman?
We found 8 business affiliations for Patsy Coffman (Executive Assistant). Other companies include Learning Community. Business records are compiled from state registries, SEC filings, and professional databases.
Has Patsy Coffman made political donations?
FEC disclosure records show 13 reported political contributions from Patsy Coffman, totaling $290. Recipients include Rnc Republican National State Elections Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Patsy Coffman?
Our database contains 91 total records for Patsy Coffman spanning 13 states. This includes 31 distinct contact records, 20 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 Patsy Coffman?
The 91 records displayed for Patsy Coffman 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 Patsy Coffman 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.