Richard Dudney from Bagdad, FL

Age 60
๐Ÿ“ 620 Po Box, Bagdad, FL 32530
๐Ÿ“ž (850) 623-2397
โœ‰๏ธ cocokid@aol.com, cocokid@bellsouth.net, cocokid46@aol.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Timothy Wade Dudney,Carolyn Dudney

Richard Dudney

Age 39 b. 1986-12-11
๐Ÿ“ 997 Franciscan Ave, Sebastian Fl
๐Ÿ“ž (407) 619-7722, (646) 696-5029
โœ‰๏ธ RICHARD.DUDNEY@YAHOO.COM

Richard Dudney

Age 63 b. 1962-10-04
๐Ÿ“ 418 Schultz St, Lemont Il
๐Ÿ“ž (630) 740-1833, (630) 914-5413
โœ‰๏ธ YENDUD@MSN.COM

Richard Dudney

Age 70 b. 1955-10-06
๐Ÿ“ 1593 Warrington St, Winter Spgs Fl 32708-6124, Winter Springs Fl
๐Ÿ“ž (407) 492-3478, (407) 359-9284
โœ‰๏ธ RDUDNEY@CFL.RR.COM

Richard Dudney from Winter Springs, FL

Age 70 b. Oct 1955 Seminole Co.
๐Ÿ“ 1593 Warrington St
๐Ÿ“ž (407) 359-9284, (407) 341-3801

Richard Dudney from Houston, TX

Age 64 b. 1962 Harris Co.
๐Ÿ“ 12400 Castlebridge Dr Unit 226
๐Ÿ“ž (281) 894-1779, (630) 257-7165

Richard Dudney from Sebastian, FL

Age 40 b. 1986 Male
๐Ÿ“ 997 Franciscan Ave
๐Ÿ“ž (646) 696-5029 (Cell)
โœ‰๏ธ richard.dudney@yahoo.com

Richard Dudney from Damon, TX

Age 59
๐Ÿ“ 20411 Bent Oak Ln #42, Damon, TX 77430
๐Ÿ“ž (979) 345-5017, (979) 345-5017, (713) 721-5737
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Ruth A Josserand,Sonya Marie Dudney,David Carr Dudney

Richard Dudney from Bakersfield, CA

Age 100 b. May 1925 Kern Co.
๐Ÿ“ Po Box 20490
๐Ÿ“ž (661) 397-9113

Richard Dudney from White Bluff, TN

Age 81
๐Ÿ“ 1212 Craun Hollow Rd, White Bluff, TN 37187
๐Ÿ“ž (615) 797-3279, (615) 797-3279, (256) 882-9408, (256) 883-0156
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Nancy M Dudney,Daisy Lee Dudney

Richard Dudney from Houston, TX

Age 86
๐Ÿ“ 12750 Briar Forest Dr #728, Houston, TX 77077
๐Ÿ“ž (281) 894-1779, (713) 934-7539, (281) 497-0691, (281) 497-0691, (281) 615-6281, (281) 894-1779, (713) 934-7539
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Charlotte Garwood Dudney

Richard Dudney from Fletcher, NC

Age 52 b. 1974 Henderson Co.
๐Ÿ“ 352 Benetta Ln
๐Ÿ“ž (828) 687-3982

Richard Dudney from Huntsville, AL

Age 93 b. Jan 1933 Madison Co.
๐Ÿ“ 15 Roberta Rd
๐Ÿ“ž (760) 251-7536

Richard Dudney from Sacramento, CA

Sacramento Co.
๐Ÿ“ 629 Exchange St
๐Ÿ“ž (509) 659-0400
๐Ÿ‘ค aka Richard Dudney

Richard Dudney from Houston, TX

Age 86
๐Ÿ“ 14183 Misty Meadow Ln, Houston, TX 77079
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Charlotte Garwood Dudney

Richard Dudney from Vero Beach, FL

Age 40 b. 1986 Male
๐Ÿ“ 8326 104th Ct
๐Ÿ“ž (407) 619-7722

Richard Dudney from Bennington, NE

Age 75 b. Mar 1951 Douglas Co.
๐Ÿ“ 2350 San Unit Frncsc De Dos Ricos

Richard Dudney from Altamonte Springs, FL

Age 70 b. Oct 1955 Seminole Co.
๐Ÿ“ 542 Orange Dr 27

Richard Dudney from Indianola, IA

Warren Co.
๐Ÿ“ 905 N 14th St 7
๐Ÿ“ž (515) 961-6099

Richard Dudney from Kimball, NE

Kimball Co.
๐Ÿ“ 1300 E 3rd St
๐Ÿ“ž (308) 235-2160
๐Ÿ‘ค aka Richard Dudney

Richard Dudney from Huntsville, AL

Madison Co.
๐Ÿ“ 331 Chateau Dr Sw
๐Ÿ“ž (256) 882-9408

Richard Dudney from Houston, TX

Harris Co.
๐Ÿ“ 12750 Briar Forest Dr

Richard Dudney from Fletcher, NC

Henderson Co.
๐Ÿ“ 138 Southern Rd

Richard Dudney from Damon, TX

Brazoria Co.
๐Ÿ“ 20411 Bent Oak Ln

Richard Dudney from Milton, FL

Santa Rosa Co.
๐Ÿ“ 3824 Jarrett St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 25 contact records for Richard Dudney across 8 states. The most recent address on file is in Winter Springs, Florida. Of these records, 18 include phone numbers and 5 include email addresses. Ages range from 59 to 86, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Dudney Richard K Ii & Shirley

Seminole County
PIN: 08213150700000490
· 1593 Warrington St, Winter Springs 32708
Value: $259,217

Dudney Richard K Ii & Shirley

Seminole County
· 1593 Warrington St, Oviedo 32708.0
Built: 1994.0
Assessed: $339,472

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

Richard Kennington Dudney

997 FRANCISCAN Ave, Sebastian, , 32958

richard SAMUEL dudney

Republican Reg: 09/29/2003
352 Benetta Ln, Fletcher, NC, 28732
DOB: 1973 Gender: Male
County: Henderson

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for Richard Dudney in , North Carolina. 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.

2013 Toyota Sienna
ยท Registered to: Richard Dudney
ยท VIN: 5TDKK3DC4DS297544
·
8326 104th Ct, Vero Beach, FL, 32967
·
(407) 619-7722
2011 TOYOTA CAMRY
ยท Registered to: Richard Dudney
ยท VIN: 4T1BF3EKXBU739676
·
16041 Fowler Ave, Omaha, NE, 68116-3238
·
(402) 403-4356
2011 HONDA PILOT
ยท Registered to: Richard Dudney
ยท VIN: 5FNYF4H64BB062314
·
418 Schultz St, Lemont, IL, 60439-4346
·
(170) 849-2620

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with Richard Dudney. Registered makes include Toyota, Honda. 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.

Parker Vision

Principal Digital Systems Engineer
+19047326100rdudney@parkervision.com
Jacksonville,

Richard Dudney

Principal Systems Engineer ยท Orlando, Florida Area

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 3 business affiliations were found for Richard Dudney. Roles listed include Principal Digital Systems Engineer. Records are compiled from state business registries, SEC filings, and professional networking databases.

richard dudney

Age 39
Freshwater Fishing - 1 year
Addr: 3385 63rd Sq, Vero Beach, FL 32966
County: Indian River

richard dudney

Freshwater Fishing - 1 year
Addr: Vero Beach, FL 32966
County: Indian River

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Richard Dudney 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.

Richard Dudney

Kimball County High School - Kimball, NE, NE
1969

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Richard Dudney 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 Dec 24, 2019
2020
Trump Make America Great Again Committee
Dudney, Richard Engineer @ Lockheed Martin Winter Springs, FL
$40 Dec 24, 2019
Trump Make America Great Again Committee
Contributor Engineer @ Lockheed Martin Winter Springs, FL

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 2 political contribution records found for Richard Dudney. Total disclosed contributions amount to $80. Recipients include Trump Make America Great Again Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Richard G Dudney

Age 54 Male
·
418 Schultz St, Lemont, IL 60439 (Cook County)
41.6675, -87.9941
Marital: Married TZ: Central
Homeowner Single Family Built 1978 Purchased 1992
MP

Richard Dudney

Age 62 Male
·
20411 Bent Oak Ln, Damon, TX 77430 (Brazoria County)
29.3216, -95.6087
· (281) 948-6964
Marital: Married TZ: Central
Homeowner Single Family Built 1989
MP

Richard K Dudney

Age 31 Male
·
997 Franciscan Ave, Sebastian, FL 32958 (Indian River County)
27.7640, -80.5001
TZ: Eastern
Homeowner Single Family Built 1989 Purchased 2016
MP

Richard D Dudney

Age 40 Male
·
1210 Patton St, Lumberton, NC 28358 (Robeson County)
34.6199, -78.9922
· (910) 816-6546
Marital: Married TZ: Eastern
Single Family
MP

Richard K Dudney

Age 61 Male
·
1593 Warrington St, Winter Spgs, FL 32708 (Seminole County)
28.6767, -81.2370
· (407) 359-9284
Marital: Married TZ: Eastern
Homeowner Single Family Built 1994 Purchased 1994

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 5 demographic profiles associated with Richard Dudney. 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 Richard Dudney. These loans were issued to businesses, not individuals.

Lacount Young Jr

Sole Proprietorship

$20,832 Exemption 4
Address:
12750 Briar Forest Dr
Houston, TX77077-2366
Approved

Feb 26, 2021

Jobs Reported

1

Loan #

4606088507

Loan Size

Small

Bukola Jimoh

Independent Contractors

$20,832 Paid in Full
Address:
12750 Briar Forest Dr Apt 711
Houston, TX77077-2369
Approved

May 11, 2021

Forgiven

$20,899

Jobs Reported

1

Loan #

8333398900

Loan Size

Small

Ajini Oyediran

Sole Proprietorship

$20,250 Paid in Full
Address:
12750 Briar Forest Dr
Houston, TX77077-2366
Approved

Mar 4, 2021

Forgiven

$20,333

Jobs Reported

1

Loan #

6840558503

Loan Size

Small

Syssy Kazadi

Self-Employed Individuals

$20,833 Paid in Full
Address:
12750 Briar Forest Dr Apt 1207
Houston, TX77077-2371
Approved

Apr 1, 2021

Forgiven

$20,919

Jobs Reported

1

Loan #

4612908707

Loan Size

Small

Shakirat Ogunrinde-

Independent Contractors

$20,770 Paid in Full
Address:
12750 Briar Forest Dr Apt 1606
Houston, TX77077-2372
Approved

Feb 10, 2021

Forgiven

$20,887

Jobs Reported

1

Loan #

6550778403

Loan Size

Small

Matthew Evbuoman

Independent Contractors

$16,665 Exemption 4
Address:
12750 Briar Forest Dr Apt 315
Houston, TX77077-2367
Approved

May 12, 2021

Jobs Reported

1

Loan #

9568578905

Loan Size

Small

Shalonna Porter

Sole Proprietorship

$20,832 Paid in Full
Address:
12750 Briar Forest Dr Apt 315
Houston, TX77077-2367
Approved

Apr 9, 2021

Forgiven

$20,936

Jobs Reported

1

Loan #

9707258708

Loan Size

Small

Krishana Buckman

Sole Proprietorship

$2,112 Paid in Full
Address:
12750 Briar Forest Dr
Houston, TX77077-2366
Approved

Apr 6, 2021

Forgiven

$2,119

Jobs Reported

1

Loan #

7430178705

Loan Size

Small

Olushola Ajisegiri

Sole Proprietorship

$8,430 Paid in Full
Address:
12750 Briar Forest Dr
Houston, TX77077-2366
Approved

Apr 6, 2021

Forgiven

$8,471

Jobs Reported

1

Loan #

7507078709

Loan Size

Small

Jenna Jiminez

Sole Proprietorship

$19,790 Paid in Full
Address:
12750 Briar Forest Dr Apt 406
Houston, TX77077-2368
Approved

Apr 29, 2021

Forgiven

$19,870

Jobs Reported

1

Loan #

5067588901

Loan Size

Small

Dennis McClanahan

Sole Proprietorship

$855 Paid in Full
Address:
12750 Briar Forest Dr Apt 924
Houston, TX77077-2304
Approved

Feb 11, 2021

Forgiven

$865

Jobs Reported

1

Loan #

6876178400

Loan Size

Small

Syssy Kazadi

Self-Employed Individuals

$20,833 Paid in Full
Address:
12750 Briar Forest Dr Apt 1207
Houston, TX77077-2371
Approved

Apr 19, 2021

Forgiven

$20,941

Jobs Reported

1

Loan #

6309528805

Loan Size

Small

Krishana Buckman

Sole Proprietorship

$2,112 Paid in Full
Address:
12750 Briar Forest Dr
Houston, TX77077-2366
Approved

Apr 28, 2021

Forgiven

$2,119

Jobs Reported

1

Loan #

3549718907

Loan Size

Small

Olubunmi Bello

Self-Employed Individuals

$20,833 Paid in Full
Address:
12750 Briar Forest Dr
Houston, TX77077-2366
Approved

Apr 29, 2021

Forgiven

$20,905

Jobs Reported

1

Loan #

4862368910

Loan Size

Small

Brittany Hunter

Sole Proprietorship

$1,086 Paid in Full
Address:
12750 Briar Forest Dr
Houston, TX77077-2366
Approved

Apr 19, 2021

Forgiven

$1,091

Jobs Reported

1

Loan #

6489918800

Loan Size

Small

Brittany Hunter

Sole Proprietorship

$1,086 Paid in Full
Address:
12750 Briar Forest Dr
Houston, TX77077-2304
Approved

Mar 30, 2021

Forgiven

$1,090

Jobs Reported

1

Loan #

2860068704

Loan Size

Small

Charlise Chaney

Sole Proprietorship

$20,832 Paid in Full
Address:
12750 Briar Forest Dr Apt 1718
Houston, TX77077-2373
Approved

Apr 4, 2021

Forgiven

$20,917

Jobs Reported

1

Loan #

6718158704

Loan Size

Small

Leopold Kazadi

Sole Proprietorship

$20,833 Paid in Full
Address:
12750 Briar Forest Dr Apt 1207
Houston, TX77077-2371
Approved

Mar 17, 2021

Forgiven

$20,933

Jobs Reported

1

Loan #

3942608600

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 18 PPP loan records are linked to businesses associated with Richard Dudney. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Richard Dudney on the map

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Richard Dudney in Bagdad, FL: Background Summary

Location
620 PO Box,Bagdad, FL 32530, Bagdad, FL
Other Locations
Winter Springs, FL ยท Houston, TX ยท Sebastian, FL and 11 more
Profiles Found
25 people with this name
Phone Numbers
(850) 623-2397 and 18 others on file
Email
cocokid@aol.com and 5 others on file
Possible Relatives
Timothy Wade Dudney, Carolyn Dudney, Ruth A Josserand, Sonya Marie Dudney, David Carr Dudney and 3 more
Career
Principal Digital Systems Engineer
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
3 linked โ€” 2013 Toyota Sienna, 2011 Toyota Camry and 1 more
Contributions
$80 total โ€” Trump Make America Great Again Committee
Licenses
2 professional licenses (Freshwater Fishing - 1 year)
PPP Loans
$260K for Lacount Young Jr, Bukola Jimoh

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 Richard Dudney. Because public records are indexed by name rather than by a unique identifier, the 68 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 Richard Dudney

Search Complexity: High

68 public records across 10states, belonging to approximately 25 different individuals. With 25 distinct profiles across 10 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Property Ownership Records section may be most helpful for disambiguation because these records list property addresses and co-owners, which can help distinguish between individuals.

Geographic Distribution

Records are widely distributed across 10 states. Highest concentration: Florida (22%), followed by Texas and North Carolina. Spans the South and Midwest regions.

FL15recordsTX7recordsNC4recordsNE4recordsIL3recordsCA3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (48%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (18) and Vehicle Registration Records (3).

30
Contact & Address Records
18
PPP Loan Records
3
Vehicle Registration Records
3
Business & Corporate Filings
2
Property Ownership Records
2
Voter Registration Records

Age Distribution

Age range: approximately 61 years, suggesting multiple generations. Largest group: Senior (65+) (55%).

Senior (65+)6peopleMiddle-Age (40-64)5people

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

Frequently Asked Questions About Richard Dudney

Is Richard Dudney a registered voter?
Yes, voter registration records show Richard Dudney is registered in . We found 2 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Richard Dudney own property?
County assessor records show 2 properties associated with Richard Dudney . 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 Richard Dudney?
Records show 3 vehicle registrations associated with Richard Dudney, including a 2013 Toyota Sienna. Registered makes include Toyota, Honda. 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 Richard Dudney?
We found 3 business affiliations for Richard Dudney (Principal Digital Systems Engineer). Business records are compiled from state registries, SEC filings, and professional databases.
Has Richard Dudney made political donations?
FEC disclosure records show 2 reported political contributions from Richard Dudney, totaling $80. Recipients include Trump Make America Great Again Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Richard Dudney?
Our database contains 68 total records for Richard Dudney spanning 10 states. This includes 25 distinct contact records, 18 with phone numbers, 5 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 Richard Dudney?
The 68 records displayed for Richard Dudney 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 Richard Dudney 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.