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Philip Snowden

Age 38 b. 1987-05-28
📍 3000 Murworth, Houston Tx 77025
📞 (254) 723-5165, (254) 495-9782
✉️ PHILIP@PHILIPSNEWDON.COM, philip@philipsnewdon.com

Philip A Snowden

Age 46 b. 1979-12-14
📍 1613 W Burnside Dr, Peor Il 61614
📞 (309) 635-0777
✉️ PSNOWDEN23@YAHOO.COM, psnowden23@yahoo.com

Philip Snowden

Age 39 b. 1986-10-20
📍 675 Harding Pl Apt J10, Nashville Tn
📞 (607) 382-3806, (707) 227-7476
✉️ PHILSNOWDEN@GMAIL.COM

Philip Snowden from Crp Christi, TX

Age 54
📍 4368 Alameda St, Crp Christi, TX 78412
📞 (361) 887-6770, (361) 993-2375, (512) 887-6770, (361) 994-0071, (361) 939-9555, (361) 993-2375
👨‍👩‍👧 Relatives: Robert Eugene Snowden,Carla Ann Snowden,Janie D Snowden,Caria Snowden,Jennifer N Snowden,Robert E Snowden
🏪 Philip E Snowden D C P C, Philip Snowden D C P C, Snowden Financial Company Llc, Snowden Financial Company, Llc, Philip E Snowden, Dc, Pc, Jubilee Properties, Ltd

Philip Snowden from Pleasant Hill, CA

Age 68
📍 326 Nancy Ln, Pleasant Hill, CA 94523
📞 (925) 680-7508, (925) 939-7481
👨‍👩‍👧 Relatives: Alice A Snowden,Richard R Snowden,Christine Snowden

Philip Snowden from Huntington Beach, CA

Age 86 b. Oct 1939 Orange Co.
📍 8361 Doncaster Dr
📞 (744) 536-8279

Philip Snowden from Ironton, OH

Age 60 b. May 1965 Lawrence Co.
📍 1968 County Road 44 S
📞 (740) 532-0546

Philip Snowden from Alice, TX

Male
📍 308 Monterrey St
📞 (361) 834-1196 (SPRINT)

Philip Snowden from Keauhou, HI

Age 79 b. 1947 Hawaii Co.
📍 Po Box 390869

Philip Snowden from Houston, TX

Age 79 b. Apr 1946 Harris Co.
📍 333 Clay St 42 Nd
👤 aka Phillip Do

Philip Snowden from Macomb, IL

Age 80 b. Jul 1945 Mcdonough Co.
📍 90 Richmond Rd

Philip Snowden from Kingman, AZ

Age 87 b. 1939 Male
📍 5665 N Hwy 66
📞 (714) 514-6438 (Cell)

Philip Snowden from Houston, TX

0
📍 14706 Falling Creek Dr, Houston, TX 77068

Philip Snowden from Pleasant Hill, CA

Contra Costa Co.
📍 326 Nancy Ln
📞 (925) 680-7508
👤 aka Do Phillip

Philip Snowden from Peoria, IL

Peoria Co.
📍 1613 W Burnside Dr
📞 (631) 841-1366

Philip Snowden from Kingman, AZ

📍 5665 Az-66, Kingman, AZ 86401

Philip Snowden from Alice, TX

Jim Wells Co.
📍 1301 Catherine Dr

Philip Snowden from Philadelphia, PA

Philadelphia Co.
📍 100 E Bringhurst St 2

Philip Snowden from E Millinocket, ME

📍 34 Park St

Philip Snowden from Pearland, TX

📍 11401 Shoal Creek Dr

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 20 contact records for Philip Snowden across 8 states. The most recent address on file is in Huntington Beach, California. Of these records, 11 include phone numbers and 3 include email addresses. Ages range from 54 to 68, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Snowden, Philip

Ouachita County
PIN: 93633.0
· 1517 Frenchmans Bend Rd
Lot: 26,386sqft

Snowden Philip K

Anoka County
· 1601 Innsbruck Dr, Fridley

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

Philip J Snowden

Republican
94 River St, 1, 14843
DOB: 19861020 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 1 voter registration record was found for Philip Snowden. Party affiliation is listed as REP. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2010 Nissan Xterra
· Registered to: Philip Snowden
· VIN: 5N1AN0NU6AC507062
·
5436 Fm 723 Rd, Richmond, TX, 77406-8706
2019 GMC TERRAIN
· Registered to: Philip Snowden
· VIN: 3GKALMEV1KL154461
·
11401 Shoal Creek Dr, Pearland, TX, 77584

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 2 vehicle registration records are associated with Philip Snowden. Registered makes include Nissan, Gmc. The most recent model year on record is 2019. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Snowden/Thomas Clinic

Owner
(361) 993-2375
Corpus Christi, TX
Health Services (Services)

Jubilee Properties Ltd

Chief Executive Officer
(361) 887-6770
Corpus Christi, TX
Real Estate (Housing)

River City Yard Svc Unltd

Manager
(309) 635-0777
Peoria, IL
Legislative, Executive and General Government other than Finance (Government)

Peoria Fire Fighters Credit Union

Philip SnowdenTreasurer
Peoria, IL

Philip Snowden

Junior Property Advisor
Making Moves London LTD
Hyde, Tameside, United Kingdom Real Estate
LinkedIn

Philip Snowden

Junior Property Advisor
Making Moves London LTD
Tameside
LinkedIn

Abco Laboratories Inc.

Philip SnowdenGeneral Manager
(707) 432-2200philip.snowden@abcorefrigeration.com
Fairfield, CA

Abco Refrigeration Supply Corp

Philip SnowdenGeneral Manager
(718) 937-9000philip.snowden@abcorefrigeration.com
Long Is City, NY

Philip Snowden

Investigation Analyst at Stewart

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 10 business affiliations were found for Philip Snowden. Companies include Snowden/Thomas Clinic, Jubilee Properties Ltd, River City Yard Svc Unltd and 3 more. Roles listed include Treasurer. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: 2916 Keithway Drive, Harvey, LOUISIANA, 70058
LOUISIANA
Officer: Philip Snowden

Unknown Corporation

Addr: 4368 S Alameda St, Corpus Christi, TX, 78412
TX
MANAGER: philip E snowden

Harold P. And Nevada Snowden Foundation INC.

Addr: 2916 Keithway Drive, Harvey, LA, 70058
LA
Director: Philip Snowden

Unknown Corporation

Addr: 3701 Leopard, Corpus Christi, TX, 78408
TX
Officer: Philip E Snowden

Philip E. Snowden, D.c., P.c.

ID: 0091620802
Addr: 4368 Alameda St, Corpus Christi, TX, 78412
TX
Director: Philip E Snowden

Philip E. Snowden, D.c., P.c.

ID: 0091620802
Addr: 4368 Alameda St, Corpus Christi, TX, 78412
TX
President: Philip E Snowden

Snowden Financial Company, LLC

ID: 0707250822
Addr: 4368 S Alameda St, Corpus Christi, TX, 78412
TX
MANAGER: Philip E Snowden

Source: Public Records Philip Snowden appears in 7 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Philip Snowden

D.C.
Individual
NPI: 1649237132

Philip Snowden

CHIROPRACTIC
Individual Male
NPI: 1649237132
School: OTHER (1985)

Source: CMS NPI Registry (NPPES) · State Medical Boards · Healthcare Provider Databases 2 healthcare provider records found for Philip Snowden 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.

philip snowden

E
Addr: Huntington Beach, CA

Source: State Professional Licensing Boards · Dept. of Professional Regulation Philip Snowden 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.

Philip C Snowden

Group Tour
Mar 2, 2012, 08:00 AM
· WH

Source: White House Visitor Logs · Obama Administration Transparency Initiative · NARA Philip Snowden 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.

Philip Snowden

Dunlap High School - Dunlap, IL, IL
1998

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Philip Snowden 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.

$40 Sep 23, 1998
1998 DEM
Truan, Carlos F
Snowden, Philip Corpus Christi, TX
$100 Jan 1, 1
2002 DEM
Skaggs, Trent
Snowden, Philip H Kansas City, MO
$100 Jun 30, 2008
2008 DEM
Skaggs, Trent
Snowden, Philip H Business Person Kansas City, MO
$100 Oct 22, 2018
2020
Hunter, Todd A
Snowden, Philip Partner @ Snowden Thomas Clinic Corpus Christi, TX
$100 Oct 8, 2004
2004 REP
Seaman, Gene
Snowden, Philip Corpus Christi, TX
$19 Oct 31, 2020
2020 REP
Trump, Donald J
Snowden, Philip Apprentice Hvac Technician @ First Service Plumbing And Heating Crescent City, CA
$100 Oct 19, 2020
2020
Hunter, Todd A
Snowden, Philip Partner @ Snowden Thomas Clinic Corpus Christi, TX
$25 Oct 22, 1997
1998 REP
Seaman, Gene
Snowden, Philip Corpus Christi, TX
$19 Oct 31, 2020
REP
Trump, Donald J
Contributor Apprentice Hvac Technician @ First Service Plumbing And Heating Crescent City, CA
$100
2004 R
Seaman, Gene
Contributor Corpus Christi, TX
$100 20041008
Seaman, Eugene (Mr.)
Contributor Corpus Christi, TX

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 11 political contribution records found for Philip Snowden. Total disclosed contributions amount to $803. Recipients include Trump, Donald J, Seaman, Gene, Seaman, Eugene (Mr.). Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Philip K Snowden

Age 72 Male
·
2901 18th St NW, Saint Paul, MN 55112 (Ramsey County)
45.0787, -93.2244
TZ: Central
Edu: High School
Homeowner Single Family Built 1972 Purchased 2015
MP

Philip C Snowden

Age 30 Male
·
235 Vintners Way, Fredericksbrg, TX 78624 (Gillespie County)
30.3069, -98.8978
Marital: Married TZ: Central
Single Family
MP

Philip A Snowden

Age 37 Male
·
4940 N Farrelly Ct, Peoria, IL 61615 (Peoria County)
40.7479, -89.6414
Marital: Single TZ: Central
Edu: Some College
Homeowner Single Family Built 1979 Purchased 2014
MP

Philip Snowden

Age 71 Male
·
326 Nancy Ln, Pleasant Hill, CA 94523 (Contra Costa County)
37.9495, -122.0710
· (925) 680-7508
Marital: Married TZ: Pacific
Edu: High School
Homeowner Single Family Built 1949 Purchased 1979
MP

Philip L Snowden

Age 29 Male
·
358 Darby St, Crescent City, CA 95531 (Del Norte County)
41.7517, -124.1540
· (707) 464-6040
Marital: Married TZ: Pacific
Homeowner Single Family
MP

Philip Snowden

Male
·
11401 Shoal Creek Dr, Pearland, TX 77584 (Brazoria County)
29.5609, -95.3968
TZ: Central
Single Family
MP

Philip J Snowden

Age 30 Male
·
94 River St, Hornell, NY 14843 (Steuben County)
42.3209, -77.6562
· (607) 324-4367
Marital: Married TZ: Eastern
Homeowner Single Family Built 1901

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with Philip Snowden. 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 Philip Snowden. These loans were issued to businesses, not individuals.

Us Framers & Finishers, INC.

$92,858 Paid in Full
Address:
1601 Innsbruck Dr
Approved

Apr 28, 2020

Forgiven

$74,075

Loan #

8322437200

Loan Size

Small

Purrfect Pet Sitting LLC

Limited Liability Company(LLC

$5,413 Paid in Full
Address:
1601 N Innsbruck Dr Apt 150
Fridley, MN55432-6020
Approved

Feb 17, 2021

Forgiven

$5,436

Jobs Reported

1

Loan #

9416358409

Loan Size

Small

Leadfoot Logistics LLC

Limited Liability Company(LLC

$20,800 Paid in Full
Address:
1601 N Innsbruck Dr Apt 182
Fridley, MN55432-6060
Approved

Apr 15, 2021

Forgiven

$20,876

Jobs Reported

1

Loan #

3652358806

Loan Size

Small

Michael Snowden

Sole Proprietorship

$6,938 Paid in Full
Address:
94 River St
Hornell, NY14843-2265
Approved

Mar 10, 2021

Forgiven

$6,958

Jobs Reported

1

Loan #

8560768501

Loan Size

Small

Alan Clair

Sole Proprietorship

$6,210 Paid in Full
Address:
34 Park St
Presque Isle, ME04769
Approved

Apr 29, 2020

Forgiven

$6,251

Jobs Reported

1

Loan #

2986767309

Loan Size

Small

Mohamed Bile

Independent Contractors

$16,812 Paid in Full
Address:
1601 N Innsbruck Dr
Fridley, MN55432-6046
Approved

Mar 31, 2021

Forgiven

$16,920

Jobs Reported

1

Loan #

3730218708

Loan Size

Small

Us Framers And Finishers INC

Corporation

$92,858 Paid in Full
Address:
1601 N Innsbruck Dr
Fridley, MN55432-6046
Approved

Jan 22, 2021

Forgiven

$93,446

Jobs Reported

5

Loan #

3882258305

Loan Size

Small

Mps Direct LLC

Limited Liability Company(LLC

$7,763 Paid in Full
Address:
1601 N Innsbruck Dr Apt 136
Fridley, MN55432-6062
Approved

Apr 26, 2021

Forgiven

$7,774

Jobs Reported

1

Loan #

1822198909

Loan Size

Small

Alan Clair

Sole Proprietorship

$9,487 Paid in Full
Address:
34 Park St
Presque Isle, ME04769-2138
Approved

Mar 13, 2021

Forgiven

$9,545

Jobs Reported

1

Loan #

1231058606

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 9 PPP loan records are linked to businesses associated with Philip Snowden. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Philip Snowden on the map

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Found 49 results across 11 states

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Philip Snowden in Houston, TX: Background Summary

Location
3000 Murworth, Houston Tx 77025, Houston, TX
Other Locations
Huntington Beach, CA · Ironton, OH · Alice, TX and 8 more
Profiles Found
20 people with this name
Phone Numbers
(254) 723-5165 and 11 others on file
Email
philip@philipsnewdon.com and 2 others on file
Possible Relatives
Robert Eugene Snowden, Carla Ann Snowden, Janie D Snowden, Caria Snowden, Jennifer N Snowden and 4 more
Career
Treasurer at Snowden/Thomas Clinic, Jubilee Properties Ltd
Voter Registration
Registered Republican
Properties
2properties owned
Vehicles
2 linked — 2010 Nissan Xterra, 2019 Gmc Terrain
Contributions
$803 total — Seaman, Gene, Seaman, Eugene (Mr.)
Healthcare
Licensed provider — CHIROPRACTIC
PPP Loans
$259K for Us Framers & Finishers, INC., Purrfect Pet Sitting LLC
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 Philip Snowden. Because public records are indexed by name rather than by a unique identifier, the 79 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.

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 Philip Snowden

Search Complexity: High

79 public records across 11states, belonging to approximately 20 different individuals. With 20 distinct profiles across 11 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 11 states. Highest concentration: Texas (25%), followed by California and Illinois. Spans the South and West regions.

TX20recordsCA10recordsIL7recordsNY2recordsMN2recordsAZ2records

Record Type Breakdown

Data spans 10 record categories. Largest: Contact & Address Records (36%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (11) and Business & Corporate Filings (10).

25
Contact & Address Records
11
Political Contribution Records
10
Business & Corporate Filings
9
PPP Loan Records
7
Corporate Records
2
Property Ownership Records

Age Distribution

Age range: approximately 48 years, suggesting multiple generations. Largest group: Senior (65+) (50%).

Senior (65+)5peopleMiddle-Age (40-64)4peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About Philip Snowden

Is Philip Snowden a registered voter?
Yes, voter registration records show Philip Snowden is registered with REP affiliation. We found 1 voter registration entry across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Philip Snowden own property?
County assessor records show 2 properties associated with Philip Snowden . 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 Philip Snowden?
Records show 2 vehicle registrations associated with Philip Snowden, including a 2010 Nissan Xterra. Registered makes include Nissan, Gmc. 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 Philip Snowden?
We found 10 business affiliations for Philip Snowden, including Snowden/Thomas Clinic. Other companies include Jubilee Properties Ltd, River City Yard Svc Unltd. Business records are compiled from state registries, SEC filings, and professional databases.
Is Philip Snowden a healthcare provider?
Yes, the CMS National Provider Identifier registry lists Philip Snowden as a registered healthcare provider (NPI: 1649237132). 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 Philip Snowden made political donations?
FEC disclosure records show 11 reported political contributions from Philip Snowden, totaling $803. Recipients include Trump, Donald J and Seaman, Gene and 1 others. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Philip Snowden?
Our database contains 79 total records for Philip Snowden spanning 11 states. This includes 20 distinct contact records, 11 with phone numbers, 3 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Philip Snowden?
The 79 records displayed for Philip Snowden 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 Philip Snowden 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.