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Reginald Winters from Memphis, TN

Age 56
📍 3535 Hester Ave, Memphis, TN 38111
📞 (901) 743-7384, (901) 743-0350, (901) 743-0356, (901) 743-5409, (901) 743-7384
✉️ hotboy920_204@yahoo.com
👨‍👩‍👧 Relatives: Deborah W Mitchell,Constance Yvette Winters,Marva Jean Winters,Yolanda D Winters,Yoguandra C Winters,Kimberly Winters,D R Winters,Sr Rk Winters

Reginald Winters

📍 2417 Galaxy Ln, Indianapolis In
📞 (317) 895-5483, (317) 847-6277
✉️ WINTERSREGINAID@ATT.NET

Reginald Winters

Age 58 b. 1967-03-17
📍 836 Rotch Ave Ne, Massillon Oh
📞 (330) 415-3204, (330) 833-1053
✉️ REGGIE_WINTERS@YAHOO.COM

Reginald Winters from Cocoa, FL

Age 96 b. Apr 1929 Brevard Co.
📍 1058 Grove Ave
📞 (407) 632-3672, (321) 632-3672

Reginald Winters from Boca Raton, FL

Age 52 b. Mar 1973 Palm Beach Co.
📍 1001 Nw Broken Sound Py
📞 (303) 776-5131, (714) 861-8140

Reginald Winters

📍 4001 Corder St Apt 220, Houston Tx
📞 (832) 909-2146, (713) 314-7940
✉️ PVLOCKETT@ME.COM

Reginald Winters from Memphis, TN

Age 68 b. Jan 1958 Shelby Co.
📍 3428 Kimball Ave
📞 (901) 743-5409

Reginald Winters from New Port Richey, FL

Age 75 b. Aug 1950
📍 4226 Revere Cir
📞 (937) 974-8437
👤 aka Reg Winters, Reggie Harry Winters, Reginald J Winters

Reginald Winters from Detroit, MI

Age 74 b. Mar 1952 Wayne Co.
📍 15365 Alden St
📞 (717) 774-0798

Reginald Winters from Lauderdale Lakes, FL

Male
📍 3431 Nw 50th Ave
📞 (305) 733-4031 (AT&T MOBILITY)

Reginald Winters from East Saint Louis, IL

Age 61 b. 1965 Male
📍 2550 Douglas Ave
📞 (618) 271-7063

Reginald Winters from Gulfport, MS

Age 56 b. May 1969
📍 1706 42nd Ave Apt 7

Reginald Winters from Orrville, OH

Age 65 b. Sep 1960 Wayne Co.
📍 326 Orr St

Reginald Winters from Pacoima, CA

Los Angeles Co.
📍 12919 Paxton St
📞 (818) 886-5315

Reginald Winters from Indianapolis, IN

Marion Co.
📍 809 Harcourt Spg Bl

Reginald Winters from Dayton, OH

Greene Co.
📍 4918 Effingham Pl

Reginald Winters from College Park, MD

Prince Georges Co.
📍 3147 Denton Hall

Reginald Winters from Jackson, MS

📍 3549 Jackye Ln

Reginald Winters from Lancaster, CA

Los Angeles Co.
📍 1903 E Ave R 6

Reginald Winters from Lake View Ter, CA

Los Angeles Co.
📍 11998 Terra Bella St Apt 219

Reginald Winters from Baton Rouge, LA

East Baton Rouge Co.
📍 4343 Denham St Apt 1514

Reginald Winters

📍 1 Carrollton Il Po Box 1

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 22 contact records for Reginald Winters across 10 states. The most recent address on file is in Cocoa, Florida. Of these records, 12 include phone numbers and 4 include email addresses. The listed age is 56. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Winters Reginald H & Loraine

Pasco County
PIN: 162615002000000607A
· 4226 Revere Cir, New Port Richey 34653
Value: $62,795

Winters, Reginald

Marion County
PIN: 49-08-29-120-020.000-700
· 2417 Galaxy Ln, INDIANAPOLIS in
Assessed: $77,200

Winters Reginald H & Loraine

Pasco County
· 4226 Revere Circle, New-Port-Richey 34653.0
Built: 1986.0
Assessed: $90,109

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 3 property records linked to Reginald Winters in New-Port-Richey. Values shown are from county assessor records and may differ from current market prices.

Reginald Winters

Savannah, 31406
DOB: 1/1/1985 Gender: Male
Congress: 001

Reginald Arthur Winters

3785 Atlanta St, Cocoa, , 32926

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

2005 DODGE RAM 1500
· Registered to: Reginald Winters
· VIN: 1D7HU18N45S191288
·
836 Rotch Ave NE, Massillon, OH, 44646
2010 Lexus RX 350
· Registered to: Reginald Winters
· VIN: 2T2ZK1BA5AC014136
·
7675 Bigger Rd, Centerville, OH, 45459
·
(937) 435-2997
1990 OLDSMOBILE CUTLASS CAR UP/MID SPCLTY
· Registered to: Reginald Winters
· VIN: 1G3WH54T7LD416404
·
901 Massachusetts Ave Lot 167, Pensacola, FL, 32505
2011 Chevrolet Traverse
· Registered to: Reginald Winters
· VIN: 1GNKRGED3BJ374724
·
7675 Bigger Rd, Centerville, OH, 45459-4905
·
(937) 435-2997
2011 Kia Soul
· Registered to: Reginald WINTERS
· VIN: KNDJT2A26B7235472
·
7996 Abbeyshire Ct, Dublin, OH, 43016
·
(317) 402-7205
1999 FORD F150 FULL SIZE TRUCK
· Registered to: Reginald Winters
· VIN: 1FTRX08W9XKB06022
·
836 Rotch Ave NE, Massillon, OH, 44646
2013 Gmc Terrain
· Registered to: Reginald Winters
· VIN: 2GKALSEK1D6248468
·
2550 Douglas Ave, East Saint Louis, IL, 62204
·
(618) 271-7063
2008 Dodge Grand Caravan
· Registered to: Reginald Winters
· VIN: 2D8HN54P78R835654
·
138 S Wilkinson St, Dayton, OH, 45402-1808
·
(937) 222-1435
2002 CADILLAC ESCALADE PICKUP
· Registered to: Reginald Winters
· VIN: 3GYEK63N72G215989
·
1260 Barkman Creek Rd, Hooks, TX, 75561
2006 Dodge Ram 1500
· Registered to: Reginald Winters
· VIN: 1D7HU18286S682020
·
1260 Barkman Creek Rd, Hooks, TX, 75561
·
(903) 832-8902
2007 TOYOTA CAMRY 4DR SEDAN
· Registered to: Reginald Winters
· VIN: 4T1BE46K27U169378
·
836 Rotch Ave NE, Massillon, OH, 44646
2000 CHEVROLET C3500-HD PICKUP
· Registered to: Reginald Winters
· VIN: 1GBKC34J0YF513833
·
1260 Barkman Creek Rd, Hooks, TX, 75561
1995 MERCURY MYSTIQUE 4DR SEDAN
· Registered to: Reginald Winters
· VIN: 1MELM6539SK605079
·
836 Rotch Ave NE, Massillon, OH, 44646
· Registered to: Reginald Winters
·
4146 NW 6th St, Deerfield Beach, FL, 33442

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 14 vehicle registration records are associated with Reginald Winters. Registered makes include Dodge, Lexus, Oldsmobile, Chevrolet 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.

Business Record

rwinters1967@gmail.com
Massillon,

Reginald Winters

On Job Disability
Mentor, Ohio, United States
LinkedIn

Reginald Winters

Construction Project Manager at

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 5 business affiliations were found for Reginald Winters. Roles listed include Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

Wincomm LLC

Addr: 1260 Barkman Creek Rd, Hooks, TX, 75561
TX
Officer: Reginald Winters

Wincomm LLC

Addr: 1260 Barkman Creek Rd, Hooks, TX, 75561
TX
Officer: Reginald Winters

Reginald M. Winters DBA R & C Hauling / New Generation Inspection Service

Addr: 836 Rotch Ave N.e., Massillon, OH, 44646
OH
Officer: Reginald M. Winters

Unknown Corporation

ID: 1463046
Officer: Reginald Winters

Source: Public Records Reginald Winters appears in 4 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Reginald Winters

Hooks High School - Hooks, TX, TX
1991

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Reginald Winters 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.

$10 Aug 28, 2012
2012 DEM
Oakes, Stacy Erwin
Winters, Reginald Dallas, TX
$25 Feb 5, 2010
2010
Actblue
Winters, Reginald Not Employed Indianapolis, IN
$25 Feb 5, 2010
2010
Fdl Action Pac
Winters, Reginald Not Employed Indianapolis, IN
$10 Aug 28, 2012
2012 DEM
Erwin Oakes, Stacy
Winters, Reginald Dallas, TX
$100 May 6, 2014
2014 REP
Husted, Jon
Winters, Reginald The Salvation Army Centerville, OH
$25 Feb 5, 2010
Fdl Action Pac
Contributor Not Employed Indianapolis, IN
$100
2014 REP
Husted, Jon
Contributor The Salvation Army Centerville, OH

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 7 political contribution records found for Reginald Winters. Total disclosed contributions amount to $295. Recipients include Fdl Action Pac, Husted, Jon. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Reginald R Winters

Age 19 Male
·
3802 Powderhorn Dr, Round Rock, TX 78681 (Williamson County)
30.5134, -97.7120
· (512) 373-8758
Marital: Inferred Married TZ: Central
Single Family
MP

Reginald Winters

Male
·
347 Woodacre Cir, Dallas, TX 75241 (Dallas County)
32.6828, -96.8202
TZ: Central
Single Family
MP

Reginald D Winters

Age 44 Male
·
4163 NW 6th Ct, Deerfield Bch, FL 33442 (Broward County)
26.3248, -80.1617
· (714) 928-4283
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family
MP

Reginald B Winters

Age 51 Male
·
2550 Douglas Ave, E Saint Louis, IL 62204 (Saint Clair County)
38.6296, -90.1192
· (618) 271-7063
Marital: Married TZ: Central
Occ: Service Industry Edu: High School
Homeowner Single Family Built 1940
MP

Reginald A Winters

Age 88 Male
·
3785 Atlanta St, Cocoa, FL 32926 (Brevard County)
28.4294, -80.8026
Marital: Married TZ: Eastern
Homeowner Single Family Built 1998 Purchased 1992
MP

Reginald B Winters

Age 65 Male
·
15371 Alden St, Detroit, MI 48238 (Wayne County)
42.4043, -83.1306
· (313) 863-4414
Marital: Married TZ: Eastern
Occ: Healthcare Edu: High School
Homeowner Single Family Built 1922
MP

Reginald Winters

Age 63 Male
·
2417 Galaxy Ln, Indianapolis, IN 46229 (Marion County)
39.8027, -86.0078
Marital: Single TZ: Eastern
Homeowner Single Family Built 1961
MP

Reginald B Winters

Age 73 Male
·
272 Dumfries Rd, Bristol, TN 37620 (Sullivan County)
36.5637, -82.2698
· (423) 764-8008
Marital: Single TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1959 Purchased 2002
MP

Reginald M Winters

Age 50 Male
·
836 Rotch Ave NE, Massillon, OH 44646 (Stark County)
40.7822, -81.5093
· (330) 809-3582
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family Built 1924 Purchased 2012
MP

Reginald H Winters

Age 67 Male
·
4226 Revere Cir, New Prt Rchy, FL 34653 (Pasco County)
28.2212, -82.6862
· (937) 435-2997
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1986 Purchased 2005

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 10 demographic profiles associated with Reginald Winters. 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 Reginald Winters. These loans were issued to businesses, not individuals.

Red Five LLC

Limited Liability Company(LLC

$112,187 Exemption 4
Address:
7121 W Craig Rd Ste 113-6
Las Vegas, NV89129
Approved

May 1, 2020

Jobs Reported

13

Loan #

6186897705

Loan Size

Small

Js4rp, LLC

Limited Liability Company(LLC

$40,155 Paid in Full
Address:
7121 W Craig Rd Ste 107
Las Vegas, NV89129-6024
Approved

Jan 25, 2021

Forgiven

$40,424

Jobs Reported

7

Loan #

5561378304

Loan Size

Small

China Hot Wok LLC

Limited Liability Company(LLC

$15,250 Paid in Full
Address:
7121 W Craig Rd Ste 112
Las Vegas, NV89129-6001
Approved

May 21, 2020

Forgiven

$15,367

Jobs Reported

6

Loan #

9927107410

Loan Size

Small

Neresa Sutherland

Sole Proprietorship

$9,217 Paid in Full
Address:
3431 NW 50th Ave Apt 314
Lauderdale Lakes, FL33319-5345
Approved

Apr 1, 2021

Forgiven

$9,252

Jobs Reported

1

Loan #

4535138707

Loan Size

Small

Neresa Sutherland

Sole Proprietorship

$9,217 Paid in Full
Address:
3431 NW 50th Ave Apt 314
Lauderdale Lakes, FL33319-5345
Approved

Apr 23, 2021

Forgiven

$9,247

Jobs Reported

1

Loan #

9749818806

Loan Size

Small

Wse Enterprises LLC

Subchapter S Corporation

$7,695 Paid in Full
Address:
7121 W Craig Rd Ste 104
Las Vegas, NV89129-6024
Approved

Feb 13, 2021

Forgiven

$7,753

Jobs Reported

1

Loan #

8606578401

Loan Size

Small

Leon Woodford

Sole Proprietorship

$17,082 Paid in Full
Address:
7121 W Craig Rd Ste 113-890
Las Vegas, NV89129-6001
Approved

Apr 1, 2021

Forgiven

$17,217

Jobs Reported

1

Loan #

4527718704

Loan Size

Small

China Hot Wok LLC

Limited Liability Company(LLC

$27,650 Paid in Full
Address:
7121 W Craig Rd Ste 112
Las Vegas, NV89129-6023
Approved

Feb 19, 2021

Forgiven

$27,823

Jobs Reported

5

Loan #

1971938507

Loan Size

Small

Spectrum Enterprises LLC DBA Sand Dollar Mobile Notary Or 1

Limited Liability Company(LLC

$3,050 Paid in Full
Address:
7121 W Craig Rd Ste 113
Las Vegas, NV89129
Approved

May 1, 2020

Forgiven

$3,078

Jobs Reported

1

Loan #

2531657707

Loan Size

Small

Js4rp, LLC

Limited Liability Company(LLC

$27,465 Paid in Full
Address:
7121 W Craig Rd #107
Las Vegas, NV89129
Approved

Apr 28, 2020

Forgiven

$27,704

Jobs Reported

2

Loan #

1809037307

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 10 PPP loan records are linked to businesses associated with Reginald Winters. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Reginald Winters

Daily 4™
$600
Prize Won
·Houston, TX (Harris County)
Claimed: 2016-05-18T00:00:00.000

Source: IMDb · Open Library · Sports Reference · FIDE Chess Federation Additional public records from specialized databases including entertainment industry credits (IMDb), published works (Open Library), sports statistics, and other publicly available reference sources.

Find Reginald Winters on the map

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Found 48 results across 12 states

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Reginald Winters in Memphis, TN: Background Summary

Location
3535 Hester Ave,Memphis, TN 38111, Memphis, TN
Other Locations
Cocoa, FL · Boca Raton, FL · Memphis, TN and 14 more
Profiles Found
22 people with this name
Phone Numbers
(901) 743-7384 and 16 others on file
Email
hotboy920_204@yahoo.com and 3 others on file
Possible Relatives
Deborah W Mitchell, Constance Yvette Winters, Marva Jean Winters, Yolanda D Winters, Yoguandra C Winters and 3 more
Properties
2properties owned
Vehicles
14 linked — 2005 Dodge Ram 1500, 2010 Lexus Rx 350 and 12 more
Contributions
$295 total — Husted, Jon, Fdl Action Pac
PPP Loans
$269K for Red Five LLC, Js4rp, LLC

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 Reginald Winters. Because public records are indexed by name rather than by a unique identifier, the 82 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 Reginald Winters

Search Complexity: High

82 public records across 12states, belonging to approximately 22 different individuals. With 22 distinct profiles across 12 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 12 states. Highest concentration: Florida (13%), followed by Ohio and Texas. Spans the South and Midwest regions.

FL11recordsOH11recordsTX6recordsIN4recordsTN3recordsIL3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (36%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Vehicle Registration Records (14) and PPP Loan Records (10).

25
Contact & Address Records
14
Vehicle Registration Records
10
PPP Loan Records
7
Political Contribution Records
5
Business & Corporate Filings
4
Corporate Records

Age Distribution

Age range: approximately 44 years, suggesting multiple generations. Largest group: Senior (65+) (56%).

Senior (65+)5peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Reginald Winters

Is Reginald Winters a registered voter?
Yes, voter registration records show Reginald Winters is registered. 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 Reginald Winters own property?
County assessor records show 3 properties associated with Reginald Winters . 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 Reginald Winters?
Records show 14 vehicle registrations associated with Reginald Winters, including a 2005 DODGE RAM 1500. Registered makes include Dodge, Lexus, Oldsmobile, 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 Reginald Winters?
We found 5 business affiliations for Reginald Winters (null). Business records are compiled from state registries, SEC filings, and professional databases.
Has Reginald Winters made political donations?
FEC disclosure records show 7 reported political contributions from Reginald Winters, totaling $295. Recipients include Fdl Action Pac and Husted, Jon. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Reginald Winters?
Our database contains 82 total records for Reginald Winters spanning 12 states. This includes 22 distinct contact records, 12 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 Reginald Winters?
The 82 records displayed for Reginald Winters 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 Reginald Winters 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.