Richard Prairie from Ludlow, MA

Age 78
๐Ÿ“ 25 Parker Ln, Ludlow, MA 01056
๐Ÿ“ž (413) 547-2900, (413) 589-1874, (413) 547-2900, (413) 589-0791, (413) 589-1874
โœ‰๏ธ rprairie@att.net, rprairie@saturndisc.com, rprairie2@aol.com, rprairie2@att.net
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Susan A Daniele,Jeffrey D Prairie,Marisa D Prairie

Richard Prairie from Rehoboth, MA

Age 57
๐Ÿ“ 124 Peck St, Rehoboth, MA 02769
๐Ÿ“ž (774) 565-1957, (508) 252-4316, (508) 326-1708, (774) 565-1957, (719) 574-8845, (508) 880-9854
โœ‰๏ธ nanstamper@aol.com, praiii@comcast.net, praiiii@netscape.net
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Deborah S Prairie,Debanal Prairie,John R Prairie,Elizabeth J Prairie,Liz Prairie,Matthew Prairie
๐Ÿช Charlie Enterprises, Inc, Storkeys, Inc, Prairie Associates, Inc

Richard Prairie from Riverview, FL

Age 74 b. 1952 Male
๐Ÿ“ 11815 Cedarfield Dr
๐Ÿ’ผ 2710
๐Ÿ“ž (754) 368-9434 (Cell), (813) 677-0501
โœ‰๏ธ lanearts@yahoo.com

Richard Prairie

๐Ÿ“ 3778 Vira Rd, Stow Oh
๐Ÿ“ž (330) 701-6009, (330) 774-3609
โœ‰๏ธ PRAIRIE3778@GMAIL.COM

Richard Prairie from Saratoga Springs, NY

Age 49 b. Aug 1976 Saratoga Co.
๐Ÿ“ 82 Woodlawn Ave
๐Ÿ“ž (518) 581-8785

Richard Prairie from Palmetto, FL

Age 91 b. Jun 1934 Manatee Co.
๐Ÿ“ 8457 Imperial Cir
๐Ÿ“ž (941) 722-6828

Richard Prairie from Ludlow, MA

Age 89 b. Jul 1936 Hampden Co.
๐Ÿ“ 308 Miller St Unit 13
๐Ÿ“ž (413) 589-1874

Richard Prairie from Valdosta, GA

Age 88 b. 1938 Lowndes Co.
๐Ÿ“ 4477 Carter Way
๐Ÿ“ž (229) 244-5139

Richard Prairie from New Smyrna, FL

Age 71 b. Jun 1954 Volusia Co.
๐Ÿ“ 804 E 21st Ave
๐Ÿ“ž (314) 544-7800

Richard Prairie from Cincinnati, OH

Age 92 b. Apr 1934 Hamilton Co.
๐Ÿ“ 1629 Robinson Cir
๐Ÿ“ž (513) 681-8444

Richard Prairie from Albuquerque, NM

Age 93 b. 1933 Bernalillo Co.
๐Ÿ“ 604 Clark Rd Sw
๐Ÿ“ž (505) 877-6603

Richard Prairie from Union, NJ

Age 75
๐Ÿ“ 1559 Gregory Ave, Union, NJ 07083
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Eleanor M Tambascia,Eleanor M Prairie

Richard Prairie from New Richmond, WI

Age 49 b. Dec 1976 Saint Croix Co.
๐Ÿ“ 523 E 1st St
๐Ÿ‘ค aka Richard Prairie

Richard Prairie from Ithaca, NY

Age 50 b. Feb 1976 Tompkins Co.
๐Ÿ“ 436 Forest Home Dr

Richard Prairie from Toms River, NJ

Age 72 b. 1954 Ocean Co.
๐Ÿ“ Po Box 1447

Richard Prairie from Mission Viejo, CA

Age 49 b. Dec 1976 Orange Co.
๐Ÿ“ 23761 Via Astorga

Richard Prairie from Jonesboro, AR

Age 96 b. Apr 1929
๐Ÿ“ 224 S Mcclure St
๐Ÿ‘ค aka R Prairie

Richard Prairie from Cincinnati, OH

Age 91 b. Apr 1934 Hamilton Co.
๐Ÿ“ 875 Lafayette Ave 4

Richard Prairie from Taunton, MA

Age 69 b. Feb 1957
๐Ÿ“ 26 Van Buren St
๐Ÿ‘ค aka Ril Prairie

Richard Prairie from Albuquerque, NM

Age 42 b. Sep 1983 Bernalillo Co.
๐Ÿ“ 2914 Truman St

Richard Prairie from Pittsfield, MA

Age 49 b. Aug 1976 Berkshire Co.
๐Ÿ“ 4 Winn Ave

Richard Prairie from Raynham, MA

๐Ÿ“ 100 W State Hwy 128
๐Ÿ“ž (208) 743-4643

Richard Prairie from Taunton, MA

๐Ÿ“ 320 Broadway
๐Ÿ“ž (703) 437-8888

Richard Prairie from Muncie, IN

Delaware Co.
๐Ÿ“ 2608 W Airway Rd
๐Ÿ“ž (765) 282-0871

Richard Prairie from Grants Pass, OR

Josephine Co.
๐Ÿ“ 2294 Elk Ln

Richard Prairie from Cave Junction, OR

Josephine Co.
๐Ÿ“ 651 Glendon St

Richard Prairie from Palmetto, FL

Manatee Co.
๐Ÿ“ 8458 Imperial Ci

Richard Prairie from Valdosta, GA

Lowndes Co.
๐Ÿ“ 4477 Carter Wa

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 28 contact records for Richard Prairie across 12 states. The most recent address on file is in Riverview, Florida. Of these records, 14 include phone numbers and 4 include email addresses. Ages range from 57 to 78, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Prairie Richard A

Hillsborough County
PIN: 2031162VBA00000000380U
· 11815 Cedarfield Dr, Riverview 33579
Value: $85,085

Prairie Richard A

Hillsborough County
· 11815 Cedarfield Dr, Wimauma-Riverview 33579.0
Built: 1988.0
Assessed: $133,824

Richard J Prairie

2021 Cayuga County
· 65 Burt Av, Auburn

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 3 property records linked to Richard Prairie in Wimauma-Riverview. Values shown are from county assessor records and may differ from current market prices.

Richard A Prairie

11815 Cedarfield Dr, Riverview, , 33579

Richard D Prairie

BLK
102 Hudson St, 0, 12803
DOB: 19760815 Gender: Male

Richard J Prairie

Democrat
337 Clark St, 10, 13021
DOB: 19760222 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 3 voter registration records were found for Richard Prairie in . Records show affiliations with BLK, DEM, which may reflect different individuals or changes over time. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2012 TOYOTA PRIUS PLUG-IN HYBRID
ยท Registered to: Richard Prairie
ยท VIN: JTDKN3DP7C3005010
·
1629 Robinson Cir, Cincinnati, OH, 45223-1511
·
(513) 681-8444
2006 Cadillac Sts
ยท Registered to: Richard Prairie
ยท VIN: 1G6DW677160112288
·
308 Miller St Unit 13, Ludlow, MA, 01056
·
(413) 589-1874
2012 TOYOTA CAMRY
ยท Registered to: Richard Prairie
ยท VIN: 4T1BK1FKXCU008245
·
65 Burt Ave, Auburn, NY, 13021-4840
·
(315) 252-7954
2018 TOYOTA TUNDRA
ยท Registered to: Richard Prairie
ยท VIN: 5TFHW5F11JX713383
·
3778 Vira Rd, Stow, OH, 44224
2013 Toyota Camry
ยท Registered to: Richard Prairie
ยท VIN: 4T1BF1FK4DU218605
·
65 Burt Ave, Auburn, NY, 13021
·
(315) 252-7954
2012 Toyota Prius
ยท Registered to: Richard Prairie
·
1629 Robinson Cir, Cincinnati, OH, 45223-1511
·
(513) 681-8444

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 6 vehicle registration records are associated with Richard Prairie. Registered makes include Toyota, Cadillac. The most recent model year on record is 2018. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Your Hometown Area Company

Richard Prairie
(508) 252-5862praiiii@netscape.com

Your Hometown Area Company

Richard PrairieCeo
(508) 252-5862praiiii@netscape.com
Pittsburgh, PA

Richard Prairie

United States

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 5 business affiliations were found for Richard Prairie. Companies include Your Hometown Area Company. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

TREASURER: Richard C. Prairie

Unknown Corporation

Addr: 124 Peck St., , Rehoboth, MA
MA
TREASURER: Richard C. Prairie

Storkey'S, INC.

Addr: 124 Peck St., , Rehoboth, MA
MA
SECRETARY: Richard Prairie

Source: Public Records Richard Prairie appears in 3 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Richard C Prairie

Group Tour
Sep 9, 2011, 08:00 AM
ยท WH

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA Richard Prairie 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.

Richard Prairie

Cleveland High School - Cleveland, AL, AL
1999

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Richard Prairie 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.

$25 Jan 29, 2010
2010
Actblue
Prairie, Richard Retired Cincinnati, OH
$100 Dec 3, 2007
2008 DEM
Obama, Barack
Prairie, Richard Retired @ Not Employed Cincinnati, OH
$250 Mar 5, 2008
2008 DEM
Obama, Barack
Prairie, Richard Retired @ Not Employed Cincinnati, OH
$50 Oct 25, 2007
2008 DEM
Obama, Barack
Prairie, Richard Retired @ Not Employed Cincinnati, OH
$25 Jan 29, 2010
2010 DEM
Brunner, Jennifer L
Prairie, Richard Retired Cincinnati, OH
$25 Feb 22, 2013
2014 DEM
Democratic Senatorial Campaign Committee
Prairie, Richard Retired Cincinnati, OH
$50 Apr 29, 2012
2012 DEM
Democratic Congressional Campaign Committee
Prairie, Richard Retired Cincinnati, OH
$10 Jun 23, 2016
2016 DEM
Duckworth, L Tammy
Prairie, Richard Not Employed Cincinnati, OH
$160 Mar 22, 2008
2008 DEM
Obama, Barack
Prairie, Richard Retired @ Not Employed Cincinnati, OH
$100 Feb 24, 2011
2012
Actblue
Prairie, Richard Retired Cincinnati, OH
$100 Mar 31, 2010
2010 DEM
Driehaus, Steven Leo
Prairie, Richard Retired Cincinnati, OH
$50 Sep 30, 2009
2010
Actblue
Prairie, Richard Retired Cincinnati, OH
$25 Oct 15, 2011
2012 DEM
Ohio Democratic Party
Prairie, Richard Retired Cincinnati, OH
$50 Jun 17, 2009
2010
Actblue
Prairie, Richard Retired Cincinnati, OH
$100 Mar 31, 2010
2010
Actblue
Prairie, Richard Retired Cincinnati, OH
$25 Feb 22, 2013
DEM
Democratic Senatorial Campaign Committee
Contributor Retired Cincinnati, OH
$250 Mar 5, 2008
Unknown Committee
Prairie, Richard Retired @ Not employed Cincinnati, OH

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 17 political contribution records found for Richard Prairie. Total disclosed contributions amount to $1,395. Recipients include Democratic Senatorial Campaign Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Richard J Prairie

Age 41 Male
·
337 Clark St, Auburn, NY 13021 (Cayuga County)
42.9319, -76.5931
· (518) 792-7557
Marital: Single TZ: Eastern
Occ: Management Edu: Some College
Single Family
MP

Richard P Prairie

Age 81 Male
·
308 Miller St, Ludlow, MA 01056 (Hampden County)
42.1724, -72.4423
· (413) 589-1874
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Multi-Family Built 2008
MP

Richard Prairie

Age 41 Male
·
4 Winn Ave, Pittsfield, MA 01201 (Berkshire County)
42.4393, -73.3039
· (413) 499-2132
TZ: Eastern
Homeowner Single Family Built 1930 Purchased 1987
MP

Richard R Prairie

Age 84 Male
·
604 Clark Rd SW, Albuquerque, NM 87105 (Bernalillo County)
34.9945, -106.6800
· (505) 877-6603
Marital: Married TZ: Mountain
Edu: Graduate School
Homeowner Single Family Built 1994 Purchased 2011
MP

Richard J Prairie

Age 40 Male
·
3778 Vira Rd, Stow, OH 44224 (Summit County)
41.1612, -81.4208
· (330) 774-3609
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1962 Purchased 2013
MP

Richard L Prairie

Age 83 Male
·
1669 Towerwoods Dr, Cincinnati, OH 45224 (Hamilton County)
39.1866, -84.5494
· (513) 591-4806
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Single Family
MP

Richard D Prairie

Age 41 Male
·
102 Hudson St, S Glens Falls, NY 12803 (Saratoga County)
43.2956, -73.6361
Marital: Single TZ: Eastern
Occ: Service Industry Edu: High School
Homeowner Multi-Family
MP

Richard A Prairie

Age 65 Male
·
11815 Cedarfield Dr, Riverview, FL 33579 (Hillsborough County)
27.7895, -82.3162
· (813) 677-0501
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1988 Purchased 1988
MP

Richard Prairie

Age 63 Male
·
PO Box 81, Island Hgts, NJ 08732 (Ocean County)
39.9423, -74.1421
Marital: Inferred Married TZ: Eastern
Edu: High School
Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 9 demographic profiles associated with Richard Prairie. 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 Prairie. These loans were issued to businesses, not individuals.

Nicholas Delsanto

Sole Proprietorship

$38,030 Paid in Full
Address:
124 Peck St
Rehoboth, MA02769-3009
Approved

Apr 15, 2020

Forgiven

$34,195

Jobs Reported

3

Loan #

9956717110

Loan Size

Small

Eugene Becker

Sole Proprietorship

$22,800 Paid in Full
Address:
9 Cedar Dr
Great Neck, NY11021-1954
Approved

Feb 27, 2021

Forgiven

$22,952

Jobs Reported

1

Loan #

5374348507

Loan Size

Small

Delsanto Carpentry

Self-Employed Individuals

$19,166 Exemption 4
Address:
124 Peck St
Rehoboth, MA02769-3009
Approved

Mar 12, 2021

Jobs Reported

1

Loan #

9858008504

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 3 PPP loan records are linked to businesses associated with Richard Prairie. 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 Prairie on the map

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Richard Prairie in Ludlow, MA: Background Summary

Location
25 Parker Ln,Ludlow, MA 01056, Ludlow, MA
Other Locations
Riverview, FL ยท Saratoga Springs, NY ยท Palmetto, FL and 16 more
Profiles Found
28 people with this name
Phone Numbers
(413) 547-2900 and 15 others on file
Email
rprairie@att.net and 8 others on file
Possible Relatives
Susan A Daniele, Jeffrey D Prairie, Marisa D Prairie, Deborah S Prairie, Debanal Prairie and 6 more
Career
Your Hometown Area Company
Voter Registration
Registered BLK
Properties
1property owned
Vehicles
6 linked โ€” 2012 Toyota Prius Plug-In Hybrid, 2006 Cadillac Sts and 4 more
Contributions
$1,394.8 total โ€” Democratic Senatorial Campaign Committee
PPP Loans
$79,996 for Nicholas Delsanto, Eugene Becker
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 Richard Prairie. Because public records are indexed by name rather than by a unique identifier, the 95 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 Prairie

Search Complexity: High

95 public records across 15states, belonging to approximately 28 different individuals. With 28 distinct profiles across 15 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 15 states. Highest concentration: Massachusetts (19%), followed by Ohio and Florida. Spans the Northeast and Midwest regions.

MA18recordsOH10recordsFL8recordsNY7recordsNJ4recordsOR4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (52%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (17) and Vehicle Registration Records (6).

44
Contact & Address Records
17
Political Contribution Records
6
Vehicle Registration Records
5
Business & Corporate Filings
3
Property Ownership Records
3
Voter Registration Records

Age Distribution

Age range: approximately 54 years, suggesting multiple generations. Largest group: Senior (65+) (75%).

Senior (65+)9peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Richard Prairie

Is Richard Prairie a registered voter?
Yes, voter registration records show Richard Prairie is registered in . We found 3 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Richard Prairie own property?
County assessor records show 3 properties associated with Richard Prairie . 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 Prairie?
Records show 6 vehicle registrations associated with Richard Prairie, including a 2012 TOYOTA PRIUS PLUG-IN HYBRID. Registered makes include Toyota, Cadillac. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
What businesses are associated with Richard Prairie?
We found 5 business affiliations for Richard Prairie, including Your Hometown Area Company. Business records are compiled from state registries, SEC filings, and professional databases.
Has Richard Prairie made political donations?
FEC disclosure records show 17 reported political contributions from Richard Prairie, totaling $1,395. Recipients include Democratic Senatorial Campaign Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Richard Prairie?
Our database contains 95 total records for Richard Prairie spanning 15 states. This includes 28 distinct contact records, 14 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 Richard Prairie?
The 95 records displayed for Richard Prairie 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 Prairie 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.