Scott Richer from Winooski, VT

Age 44
๐Ÿ“ 18 Hall St, Winooski, VT 05404
๐Ÿ“ž (802) 872-2805, (802) 872-2805, (802) 878-0215, (802) 864-5368
โœ‰๏ธ sagnleomail@aol.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Stephen Francis Richer,Anthony C Richer,Joan E Richer,Teri Sue George,Jennifer J Richer

Scott Richer from Walpole, MA

Age 44
๐Ÿ“ 2 Dunbar Ct, Walpole, MA 02081
๐Ÿ“ž (508) 660-6213, (716) 458-5615, (508) 660-6213, (617) 354-4281, (716) 256-7449, (617) 742-1746
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Jean F Richer,Raymond E Richer,Kelley Jean Gagnier,Anna L Flynnricher,Katherine S Richer,Js Richer

Scott Richer from Oneida, NY

Age 50
๐Ÿ“ 366 Stone St, Oneida, NY 13421
๐Ÿ“ž (315) 363-7355, (315) 363-9784, (315) 697-8882, (315) 361-5314, (315) 363-7355, (315) 363-3527

Scott Richer from Fredonia, NY

Age 47
๐Ÿ“ 9650 Seymour Rd, Fredonia, NY 14063
๐Ÿ“ž (716) 679-7444, (716) 595-2199, (716) 465-9270, (716) 595-2199, (716) 679-7444, (917) 742-6059
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Gina M Dyckes,Joseph L Richir,Luann Ann Richir,Viola I Richir,G Richir,Joseph Richir,Scott Richir

Scott Richer from San Jose, CA

Age 70 b. Jul 1955 Santa Clara Co.
๐Ÿ“ 2199 Mclaughlin Ave Apt 3
๐Ÿ“ž (718) 584-0164, (408) 226-7186

Scott Richer from New Paris, IN

Age 57 b. Dec 1968 Elkhart Co.
๐Ÿ“ 18910 Wild Rose Rd
๐Ÿ“ž (620) 327-4815, (620) 335-9900

Scott Richer from Elmira, NY

Age 51 b. Jun 1974 Chemung Co.
๐Ÿ“ 923 Spruce St
๐Ÿ“ž (219) 356-9512

Scott Richer

๐Ÿ“ 23850 Cahills Way, Plainfield Il
๐Ÿ“ž (815) 609-6032, (847) 815-2637
โœ‰๏ธ SRICHER419@YAHOO.COM

Scott Richer

๐Ÿ“ 23850 Cacills Way, Plainfield Il 60544
๐Ÿ“ž (815) 609-6032, (847) 815-2637
โœ‰๏ธ SRICHER419@YAHOO.COM

Scott Richer from Minneapolis, MN

Age 62 b. Nov 1963 Anoka Co.
๐Ÿ“ 12235th Rush St Nw
๐Ÿ“ž (312) 721-2361

Scott Richer from Goffstown, NH

Age 57 b. Feb 1969 Hillsborough Co.
๐Ÿ“ 96 Black Brook Rd
๐Ÿ“ž (405) 737-8286

Scott Richer from Manchester, NH

Age 57 b. Feb 1969
๐Ÿ“ 734 Coolidge Ave Apt 2
๐Ÿ“ž (603) 623-2429

Scott Richer from Sanford, ME

Age 62 b. Jun 1963 York Co.
๐Ÿ“ 12 Chick Rd
๐Ÿ“ž (804) 360-4455

Scott Richer from Milwaukee, WI

Age 62 b. Jun 1963
๐Ÿ“ 1704 N 59th St 4
๐Ÿ“ž (414) 302-9687

Scott Richer from Green Bay, WI

Age 62 b. Jun 1963 Brown Co.
๐Ÿ“ 2810 Viking Dr Apt 2 D
๐Ÿ“ž (414) 302-1930

Scott Richer from Milwaukee, WI

Male
๐Ÿ“ 1704 N 59th St
๐Ÿ“ž (414) 510-0585 (AT&T MOBILITY)

Scott Richer from Plainfield, IL

Age 57 b. 1969 Male
๐Ÿ“ 23850 Cahills Way
๐Ÿ“ž (815) 609-6032

Scott Richer from E Greenwich, RI

Age 56 b. Jan 1970 Kent Co.
๐Ÿ“ 950 Frenchtown Rd

Scott Richer from Shirley, NY

Age 56 b. Jun 1969 Suffolk Co.
๐Ÿ“ 50 Forrest Ave

Scott Richer from Canastota, NY

Age 61 b. Sep 1964 Madison Co.
๐Ÿ“ 106 Elm St

Scott Richer from Glen Ellyn, IL

Age 55 b. Sep 1970 Du Page Co.
๐Ÿ“ 2 S Route 53

Scott Richer from Boynton Beach, FL

Palm Beach Co.
๐Ÿ“ 5136 Floria Dr Apt C
๐Ÿ“ž (561) 374-9575

Scott Richer from Wauseon, OH

Fulton Co.
๐Ÿ“ 406 W Chestnut St
๐Ÿ“ž (419) 335-9900

Scott Richer from Preston, CT

Male
๐Ÿ“ 116 Route 2a

Scott Richer from Mastic, NY

Suffolk Co.
๐Ÿ“ 5050 Forestall Dr

Scott Richer from Minneapolis, MN

๐Ÿ“ 12235 Thrush St Nw

Scott Richer from Mc Kees Rocks, PA

Allegheny Co.
๐Ÿ“ 328 Washington St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 27 contact records for Scott Richer across 15 states. The most recent address on file is in San Jose, California. Of these records, 19 include phone numbers and 3 include email addresses. Ages range from 44 to 50, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Richer Scott & Nicole

Delta County

Scott Richer

2021 Madison County
· 229 Boston, Oneida, Inside

Scott E Richer

2021 Chemung County
· 923 Spruce, Southport

Scott E Richer

2024 Chemung County
· 923 Spruce, Southport

Scott Richer

2023 Madison County
· 229 Boston, Oneida, Inside

Scott Richer

2022 Madison County
· 229 Boston, Oneida, Inside

Scott E Richer

2023 Chemung County
· 923 Spruce, Southport

Scott E Richer

2022 Chemung County
· 923 Spruce, Southport

Scott Richer

2024 Madison County
· 229 Boston, Oneida, Inside

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 9 property records linked to Scott Richer in Bark-River. Values shown are from county assessor records and may differ from current market prices.

Scott H Richer

Democrat
50 Forestall Dr, 3, 11950
DOB: 19690606 Gender: Male

Scott D Richer

Republican
229 Boston St, 0, 13421
DOB: 19640606 Gender: Male

Scott R Richer

BLK
141 Waterside Ave, 18, 11768
DOB: 19910318 Gender: Male

Scott E Richer

BLK
923 Spruce St, 14, 14904
DOB: 19740626 Gender: Male

Scott T Richer

32 Sand Hill Rd, Essex, VT

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 5 voter registration records were found for Scott Richer in Vermont. Records show affiliations with DEM, REP, BLK, 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.

2006 Dodge Grand Caravan
ยท Registered to: Scott Richer
ยท VIN: 2D8GP44LX6R920739
·
50 Forestall Dr, Mastic, NY, 11950
·
(631) 281-5231
ยท Registered to: Scott Richer
ยท VIN: DPSMN861354
·
1840 107th Ave NW, Minneapolis, MN, 55433
2005 CHRYSLER TOWN AND COUNTRY MINIVAN PASSENGER
ยท Registered to: Scott Richer
ยท VIN: 2C4GP54L75R213875
·
18910 Wild Rose Rd, New Paris, IN, 46553
·
(574) 831-6597
1999 CHEVROLET TAHOE C1500 FULL SIZE UTILITY
ยท Registered to: Scott Richer
ยท VIN: 1GNEC13R4XR148310
·
1840 107th Ave NW, Minneapolis, MN, 55433
2010 Dodge Grand Caravan
ยท Registered to: Scott Richer
ยท VIN: 2D4RN6DX3AR397426
·
18910 Wild Rose Rd, New Paris, IN, 46553
·
(574) 831-6597
2006 Chrysler Pacifica
ยท Registered to: Scott Richer
ยท VIN: 2A4GM68426R902462
·
923 Spruce St, Elmira, NY, 14904
·
(607) 732-7734
2011 Volkswagen Cc
ยท Registered to: Scott Richer
ยท VIN: WVWHN7AN0BE719553
·
23850 Cahills Way, Plainfield, IL, 60586-2144
·
(815) 609-6032
1994 CHEVROLET C2500 PICKUP
ยท Registered to: Scott Richer
ยท VIN: 1GCGC24K2RE106611
·
1840 107th Ave NW, Minneapolis, MN, 55433
2001 NISSAN MAXIMA 4DR SEDAN
ยท Registered to: Scott Richer
ยท VIN: JN1CA31D21T600972
·
12 Chick Rd, Sanford, ME, 04073
2006 JEEP LIBERTY WAGON
ยท Registered to: Scott Richer
ยท VIN: 1J4GL48K36W271167
·
12 Chick Rd, Sanford, ME, 04073

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 10 vehicle registration records are associated with Scott Richer. Registered makes include Dodge, Chrysler, Chevrolet, Volkswagen and others. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Veada Industries Inc

Quoting And Customer Service
+15748314775sricher@veada.com
New Paris,

Walpole Youth Soccers Associationinc

Scott RicherDirector
Walpole, MA

Scott Richer

Professional Photographer
Dane Petersen & Co
Northport, New York, United States Food Production

Scott Richer

V.p
Mid-States Wire Processing CORP
Illinois

Catholic Charities

Scott Richer
(815) 886-6308scottricher@williamaduguidco.com
21752 W Hemingway Ct, Plainfield, IL60544
catholiccharitiesasf.org

S Richer Inc

Scott RicherOwner
(207) 324-8144sricher@metrocast.net
Sanford, ME

Scott D. Richer

Greater Milwaukee Area

Telesto Nevada Llc

Scott RicherFamily Practitioner
(815) 886-6308scottricher@williamaduguidco.com
21752 W Hemingway Ct, Plainfield, IL60544

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 14 business affiliations were found for Scott Richer. Companies include Dane Petersen & Co, S Richer Inc, Telesto Nevada Llc. Roles listed include Quoting And Customer Service and Vice President Real Estate And Development. Records are compiled from state business registries, SEC filings, and professional networking databases.

All Breed Rescue, INC.

Addr: 491 Industrial Avenue, Williston, VT, 05495
VT
Director: Scott Richer

Unknown Corporation

ID: 58507
Principal: Scott Richer

Source: Public Records Scott Richer appears in 2 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Inventor Record

Scott Richer - Sanford

Source: USPTO Patent Database ยท U.S. Patent & Trademark Office Scott Richer is listed as an inventor or co-inventor on 1 USPTO patent. Patent data is public information published by the United States Patent and Trademark Office upon grant or application publication.

Scott Richer

Glenbard East High School - Lombard, IL, IL
1987

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Scott Richer 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.

MP

Scott D Richer

Age 54 Male
·
PO Box 10033, Green Bay, WI 54307 (Brown County)
44.5321, -88.0949
Marital: Single TZ: Central
Occ: Management Edu: Some College
MP

Scott A Richer

Age 54 Male
·
12 Chick Rd, Sanford, ME 04073 (York County)
43.4175, -70.8116
· (207) 467-0678
Marital: Married TZ: Eastern
Homeowner Single Family Built 1990
MP

Scott E Richer

Age 43 Male
·
923 Spruce St, Elmira, NY 14904 (Chemung County)
42.0605, -76.8120
· (607) 426-3444
Marital: Married TZ: Eastern
Occ: Management Edu: High School
Homeowner Single Family Built 1935 Purchased 1998
MP

Scott T Richer

Age 47 Male
·
32 Sandhill Rd, Essex Jct, VT 05452 (Chittenden County)
44.4814, -73.0500
Marital: Inferred Married TZ: Eastern
Homeowner Single Family Purchased 2005
MP

Scott A Richer

Age 48 Male
·
18910 Wild Rose Rd, New Paris, IN 46553 (Elkhart County)
41.4946, -85.8262
· (574) 831-6597
Marital: Married TZ: Eastern
Occ: Professional
Homeowner Single Family Built 2005 Purchased 2007
MP

Scott Richer

Male
·
14875 County Road B, Wauseon, OH 43567 (Fulton County)
41.5005, -84.1377
· (419) 553-9946
TZ: Eastern
Homeowner Single Family Built 2007
MP

Scott J Richer

Age 48 Male
·
23850 Cahills Way, Plainfield, IL 60586 (Will County)
41.5837, -88.1982
· (630) 688-8101
Marital: Married TZ: Central
Homeowner Single Family Built 2003 Purchased 2003
MP

Scott Richer

Age 48 Male
·
96 Black Brook Rd, Goffstown, NH 03045 (Hillsborough County)
43.0386, -71.5199
· (603) 497-5050
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family Built 1993
MP

Scott E Richer

Age 47 Male
·
2 Dunbar Ct, Walpole, MA 02081 (Norfolk County)
42.1571, -71.2561
· (508) 660-6213
Marital: Married TZ: Eastern
Occ: White Collar Edu: Some College
Homeowner Single Family Built 1983 Purchased 2004
MP

Scott Richer

Age 53 Male
·
1840 107th Ave NW, Minneapolis, MN 55433 (Anoka County)
45.1650, -93.3136
· (763) 443-3178
Marital: Married TZ: Central
Edu: High School
Single Family
MP

Scott R Richer

Age 26 Male
·
141 Waterside Ave, Northport, NY 11768 (Suffolk County)
40.9110, -73.3309
· (631) 757-9206
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Purchased 2001
MP

Scott A Richer

Age 30 Male
·
989 US Highway 2/41, Bark River, MI 49807 (Delta County)
45.7049, -87.3148
TZ: Eastern
Homeowner Single Family Purchased 2014
MP

Scott H Richer

Age 48 Male
·
50 Forrestall Dr, Mastic, NY 11950 (Suffolk County)
40.8263, -72.8568
· (631) 891-9589
Marital: Married TZ: Eastern
Occ: Professional Edu: Some College
Homeowner Single Family Purchased 1998
MP

Scott D Richer

Age 53 Male
·
229 Boston St, Oneida, NY 13421 (Madison County)
43.0975, -75.6589
· (315) 363-5934
Marital: Married TZ: Eastern
Occ: Service Industry
Homeowner Single Family Built 1922 Purchased 2013

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 14 demographic profiles associated with Scott Richer. 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 Scott Richer. These loans were issued to businesses, not individuals.

Hayward Tyler, INC.

Corporation

$1,953,967 Paid in Full
Address:
480 Roosevelt Hwy
Colchester, VT05446-1594
Approved

Apr 10, 2020

Forgiven

$1,981,540

Jobs Reported

108

Loan #

2538137108

Loan Size

Medium-Large

Hayward Tyler INC.

Corporation

$2,000,000 Exemption 4
Address:
480 Roosevelt Hwy
Colchester, VT05446-5834
Approved

Feb 11, 2021

Forgiven

$2,031,611

Jobs Reported

140

Loan #

6983478402

Loan Size

Medium-Large

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 2 PPP loan records are linked to businesses associated with Scott Richer. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Scott Richer on the map

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Scott Richer in Winooski, VT: Background Summary

Location
18 Hall St,Winooski, VT 05404, Winooski, VT
Other Locations
San Jose, CA ยท New Paris, IN ยท Elmira, NY and 16 more
Profiles Found
27 people with this name
Phone Numbers
(802) 872-2805 and 19 others on file
Email
sagnleomail@aol.com and 1 other on file
Possible Relatives
Stephen Francis Richer, Anthony C Richer, Joan E Richer, Teri Sue George, Jennifer J Richer and 20 more
Career
Quoting And Customer Service, Vice President Real Estate And Development at Dane Petersen & Co, S Richer Inc
Voter Registration
Registered BLK
Properties
1property owned
Vehicles
10 linked โ€” 2006 Dodge Grand Caravan, 0 and 8 more
PPP Loans
$3954K for Hayward Tyler, INC., Hayward Tyler INC.

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 Scott Richer. Because public records are indexed by name rather than by a unique identifier, the 94 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.

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.

Patent Filings

Patent data is drawn from the United States Patent and Trademark Office (USPTO). Being listed as an inventor on a patent means this individual is credited as having made a substantive intellectual contribution to the invention described in the patent application. Patent records include the filing date, grant date, patent number, and a description of the invention. A patent listing does not indicate that the inventor currently owns the patent rights โ€” patents are frequently assigned to employers or transferred between entities after they are granted.

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 Scott Richer

Search Complexity: High

94 public records across 17states, belonging to approximately 27 different individuals. With 27 distinct profiles across 17 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 17 states. Highest concentration: New York (16%), followed by Illinois and Vermont. Spans the Northeast and Midwest regions.

NY15recordsIL10recordsVT6recordsMA5recordsMN5recordsWI4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (46%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (14) and Vehicle Registration Records (10).

36
Contact & Address Records
14
Business & Corporate Filings
10
Vehicle Registration Records
9
Property Ownership Records
5
Voter Registration Records
2
Corporate Records

Age Distribution

Age range: approximately 27 years, suggesting multiple generations. Largest group: Senior (65+) (10%).

Senior (65+)1personMiddle-Age (40-64)9people

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

Frequently Asked Questions About Scott Richer

Is Scott Richer a registered voter?
Yes, voter registration records show Scott Richer is registered with DEM affiliation. We found 5 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Scott Richer own property?
County assessor records show 9 properties associated with Scott Richer . 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 Scott Richer?
Records show 10 vehicle registrations associated with Scott Richer, including a 2006 Dodge Grand Caravan. Registered makes include Dodge, Chrysler, Chevrolet, Volkswagen. 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 Scott Richer?
We found 14 business affiliations for Scott Richer (Quoting And Customer Service). Other companies include S Richer Inc, Telesto Nevada Llc. Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Scott Richer?
Our database contains 94 total records for Scott Richer spanning 17 states. This includes 27 distinct contact records, 19 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 Scott Richer?
The 94 records displayed for Scott Richer 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 Scott Richer 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.