Sharon Gerrard

1901-01-01
๐Ÿ“ 5034 Everett St Unit 202, Arvada Co
๐Ÿ“ž (720) 231-3762
โœ‰๏ธ S_GERRAR@YAHOO.COM

Sharon Gerrard from Lakewood, CO

Age 58
๐Ÿ“ 1070 Dudley St, Lakewood, CO 80226
๐Ÿ“ž (303) 988-2010

Sharon L Gerrard from Scottsdale, AZ

Age 73
๐Ÿ“ 14663 N 97th Pl, Scottsdale, AZ 85260
๐Ÿ“ž (480) 657-6351, (480) 371-3445

Sharon Gerrard from Laguna Beach, CA

Age 82 b. Dec 1943 Orange Co.
๐Ÿ“ Po Box 1735
๐Ÿ“ž (903) 599-4602

Sharon Gerrard from Laguna Beach, CA

Age 61 b. Oct 1964 Orange Co.
๐Ÿ“ 1033 Miramar St
๐Ÿ“ž (949) 497-8684

Sharon Gerrard from North Platte, NE

Age 74 b. Nov 1951 Lincoln Co.
๐Ÿ“ 1306 E 6th St
๐Ÿ“ž (308) 534-5978

Sharon Gerrard from Deerfield Beach, FL

Age 70 b. Jun 1955 Broward Co.
๐Ÿ“ 307 Sw 34th Ave
๐Ÿ“ž (954) 427-1174

Sharon Gerrard from Bountiful, UT

Age 71 b. May 1954 Davis Co.
๐Ÿ“ 2926 Windsor Ln
๐Ÿ“ž (510) 915-6201

Sharon Gerrard from Saginaw, MI

Female
๐Ÿ“ 615 S River Rd
๐Ÿ“ž (989) 859-9794 (VERIZON WIRELESS)

Sharon Gerrard from Scottsdale, AZ

Age 77 b. 1949 Female
๐Ÿ“ 14663 N 97th Pl
๐Ÿ“ž (480) 657-6351

Sharon Gerrard from Scottsdale, AZ

Age 86 b. Jan 1940 Maricopa Co.
๐Ÿ“ 11260 N 92nd St 1067

Sharon Gerrard from North Platte, NE

Age 74 b. Nov 1951 Lincoln Co.
๐Ÿ“ 2307 W A St

Sharon Gerrard from Littleton, CO

Age 70 b. Dec 1955 Jefferson Co.
๐Ÿ“ 6785 S Field St Apt 203

Sharon Gerrard from Deerfield Beach, FL

Broward Co.
๐Ÿ“ 1761 Nw 2nd St C 2
๐Ÿ“ž (314) 892-0424

Sharon Gerrard from Chula Vista, CA

San Diego Co.
๐Ÿ“ 1396 Don Carlos Ct

Sharon Gerrard from Marlton, NJ

๐Ÿ“ 1905 Sagemore Dr

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 16 contact records for Sharon Gerrard across 8 states. The most recent address on file is in Scottsdale, Arizona. Of these records, 11 include phone numbers and 1 include email addresses. Ages range from 58 to 73, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Gerrard Sharon A

St. Johns County
PIN: 1813510041
· 7145 A1a, Saint Augustine 32080
Value: $87,000

Gerrard Sharon

Jefferson County
PIN: 39-154-04-136
· 5034 Everett St 202, ARVADA co
Built: 2008.0
Assessed: $16,094

Gerrard Sharon

Jefferson County
· 5034 Everett St 202, Northeast-Jefferson Co 80002.0
Built: 2008.0
Assessed: $16,094 ยท Sale: $149,900

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

Sharon Gerrard

UAF
5034everett St # 202, Arvada, CO, 80002
DOB: 1955 Gender: Female
County: Jefferson

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 1 voter registration record was found for Sharon Gerrard in Colorado. Party affiliation is listed as UAF. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2005 Dodge Magnum
ยท Registered to: Sharon Gerrard
ยท VIN: 2D4FV48V35H613853
·
47 Bramble Ln, Aliso Viejo, CA, 92656

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 1 vehicle registration record is associated with Sharon Gerrard. Registered makes include Dodge. The most recent model year on record is 2005. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Assurant

Marketing And Communications Manager
+12128597000sharon.gerrard@assurant.com

Styles By Sharon

Owner
(321) 258-6133
Palm Bay, FL
Personal Services (Services)

Sharon Gerrard

Melbourne, Victoria, Australia

Sharon Gerrard

Wholesale Giftware Represent ยท Scottsdale, Arizona

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 7 business affiliations were found for Sharon Gerrard. Companies include Styles By Sharon. Roles listed include Marketing And Communications Manager and Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

Canyon German Auto Corporation

Filed: Dec 23, 2005
Registered Agent: Sharon Gerrard

Canyon German Auto Corporation

Filed: Dec 23, 2005
CEO: Sharon Gerrard

Canyon German Auto Corporation

Addr: 3051 Laguna Canyon Road, Laguna Beach, CA, 92651
CA
CEO: Sharon Gerrard

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

Sharon Gerrard

Kokomo High School - Kokomo, IN, IN
1970

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Sharon Gerrard 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.

$1 Nov 15, 2017
2018 12
Harder For Congress
Gerrard, Sharon Not Employed Sun City, AZ
$1 Nov 15, 2017
2018 DEM
Arizona State Democratic Central Executive Committee
Gerrard, Sharon Not Employed Sun City, AZ
$15 Aug 3, 2019
2020 DEM
House Majority Pac
Gerrard, Sharon Not Employed Sun City, AZ
$15 Aug 7, 2019
2020 DEM
Bullock, Steve
Gerrard, Sharon Not Employed Sun City, AZ
$50 Nov 16, 2020
2020 DEM
Warnock, Raphael
Gerrard, Sharon Not Employed Sun City, AZ
$50 Jun 3, 2017
2018 DEM
Ossoff, T. Jonathan
Gerrard, Sharon Not Employed Sun City, AZ
-$50 Jun 3, 2017
2018 DEM
Ossoff, T. Jonathan
Gerrard, Sharon Sun City, AZ
$15 Oct 10, 2017
2018 12
Jones, Doug
Gerrard, Sharon Not Employed Sun City, AZ
$1 Nov 15, 2017
2018 DEM
Fagan, Linsey
Gerrard, Sharon Not Employed Sun City, AZ
$3 Nov 12, 2017
2018 DEM
Actblue
Gerrard, Sharon Not Employed Sun City, AZ
$1 Nov 15, 2017
2018 DEM
Sanchez, Jana Lynne Ms
Gerrard, Sharon Not Employed Sun City, AZ
$5 Jan 25, 2018
2018 DEM
Bryce, Randy
Gerrard, Sharon Not Employed Sun City, AZ
$10 Feb 28, 2018
2018 DEM
Lamb, Conor
Gerrard, Sharon Not Employed Sun City, AZ
$1 Nov 15, 2017
2018 DEM
Barragan, Nanette
Gerrard, Sharon Not Employed Sun City, AZ
$20 Feb 6, 2018
2018 DEM
Lamb, Conor
Gerrard, Sharon Not Employed Sun City, AZ
$25 Oct 31, 2017
2018 DEM
Democratic Action
Gerrard, Sharon Not Employed Sun City, AZ
$25 Dec 4, 2017
2018 DEM
Democratic Action
Gerrard, Sharon Not Employed Sun City, AZ
$5 Dec 31, 2017
2018 DEM
Tipirneni, Hiral Vyas
Gerrard, Sharon Not Employed Sun City, AZ
$20 Aug 8, 2020
2020 DEM
Biden, Joe
Gerrard, Sharon Not Employed Sun City, AZ
$5 Aug 3, 2019
2020 DEM
Bennet, Michael F.
Gerrard, Sharon Not Employed Sun City, AZ
$25 Sep 20, 2020
2020 DEM
Kelly, Mark
Gerrard, Sharon Not Employed Sun City, AZ
$15 Oct 26, 2020
2020 DEM
Ossoff, T. Jonathan
Gerrard, Sharon Not Employed Sun City, AZ
$1 Nov 15, 2017
2018 12
Stanton For Congress
Gerrard, Sharon Not Employed Sun City, AZ
$15 Jun 6, 2018
2018
National Democratic Redistricting Pac
Gerrard, Sharon Not Employed Sun City, AZ
$5 Jun 2, 2018
2018 DEM
O Rourke, Robert Beto
Gerrard, Sharon Not Employed Sun City, AZ
$5 May 12, 2017
2018 DEM
Arizona State Democratic Central Executive Committee
Gerrard, Sharon Not Employed Sun City, AZ
$10 Aug 3, 2019
2020 DEM
Klobuchar, Amy J.
Gerrard, Sharon Not Employed Sun City, AZ
$25 Oct 31, 2020
2020 DEM
Montana Democratic Party
Gerrard, Sharon Not Employed Sun City, AZ
$15 Aug 7, 2019
2020 DEM
Bullock, Steve
Gerrard, Sharon Not Employed Sun City, AZ
$15 Jun 14, 2019
2020 DEM
House Majority Pac
Gerrard, Sharon Not Employed Sun City, AZ
$1 Nov 15, 2017
2018 12
Sam Jammal For Congress
Gerrard, Sharon Not Employed Sun City, AZ
$10 Dec 31, 2017
2018
National Democratic Redistricting Pac
Gerrard, Sharon Not Employed Sun City, AZ
$3 Dec 15, 2017
2018 DEM
Progressive Change Campaign Committee
Gerrard, Sharon Not Employed Sun City, AZ
$25 Oct 27, 2018
2020 DEM
Democratic Action
Gerrard, Sharon Not Employed Sun City, AZ
$50 Jun 3, 2017
2018 DEM
Ossoff, T. Jonathan
Gerrard, Sharon Not Employed Sun City, AZ
$2 Apr 5, 2017
2018 DEM
Actblue
Gerrard, Sharon Not Employed Sun City, AZ
$9 Apr 14, 2017
2018 DEM
Brown, Sherrod
Gerrard, Sharon Not Employed Sun City, AZ
$3 Jan 26, 2018
2018 DEM
Progressive Change Campaign Committee
Gerrard, Sharon Not Employed Sun City, AZ
$8 Nov 12, 2017
2018 12
Jones, Doug
Gerrard, Sharon Not Employed Sun City, AZ
$10 Feb 28, 2018
2018
National Democratic Redistricting Pac
Gerrard, Sharon Not Employed Sun City, AZ
$5 Apr 12, 2017
2018 DEM
Arizona State Democratic Central Executive Committee
Gerrard, Sharon Not Employed Sun City, AZ
$1 Nov 15, 2017
2018 DEM
Gallego, Ruben
Gerrard, Sharon Not Employed Sun City, AZ
$9 Apr 14, 2017
2018 DEM
Baldwin, Tammy
Gerrard, Sharon Not Employed Sun City, AZ
$25 Aug 6, 2019
2020 DEM
McGrath, Amy
Gerrard, Sharon Not Employed Sun City, AZ
$9 Apr 14, 2017
2018 DEM
Tester, Jon
Gerrard, Sharon Not Employed Sun City, AZ
$1 Nov 15, 2017
2018 DEM
Torres, Norma
Gerrard, Sharon Not Employed Sun City, AZ
$13 Mar 31, 2017
2018 12
Rob Quist For Montana
Gerrard, Sharon Not Employed Sun City, AZ
$1 Nov 15, 2017
2018 12
Katie Hill For Congress
Gerrard, Sharon Not Employed Sun City, AZ
$25 May 14, 2017
2018 DEM
Quist, Robert E.
Gerrard, Sharon Not Employed Sun City, AZ
$25 Oct 27, 2020
2020 DEM
Peters, Gary
Gerrard, Sharon Not Employed Sun City, AZ
$1 Nov 15, 2017
DEM
Barragan, Nanette
Contributor Not Employed Sun City, AZ
-$50 Jun 3, 2017
Unknown Committee
Gerrard, Sharon Sun City, AZ
$25 20220919
ActBlue Texas
Contributor Not Employed Loveland, CO

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 53 political contribution records found for Sharon Gerrard. Total disclosed contributions amount to $658. Recipients include Barragan, Nanette, ActBlue Texas. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Sharon Gerrard

Female
·
1091 Washington Pike, Wellsburg, WV 26070 (Brooke County)
40.2778, -80.5472
TZ: Eastern
Single Family
MP

Sharon Gerrard

Age 52 Female
·
26522 Lucinda, Mission Viejo, CA 92691 (Orange County)
33.5770, -117.6660
Marital: Married TZ: Pacific
Edu: High School
Single Family
MP

Sharon A Gerrard

Age 73 Female
·
638 NE 57th St, Ocala, FL 34479 (Marion County)
29.2461, -82.1293
· (352) 622-4721
Marital: Married TZ: Eastern
Occ: Healthcare Edu: Some College
Homeowner Single Family Built 1989 Purchased 2002
MP

Sharon L Gerrard

Age 68 Female
·
11041 W Escuda Dr, Sun City, AZ 85373 (Maricopa County)
33.6652, -112.2980
· (623) 398-8022
Marital: Married TZ: Mountain
Homeowner Single Family Built 1996 Purchased 2015
MP

Sharon K Gerrard

Age 63 Female
·
2926 Windsor Ln, Bountiful, UT 84010 (Davis County)
40.8578, -111.8680
· (801) 381-5076
Marital: Married TZ: Mountain
Edu: High School
Homeowner Single Family Built 1991 Purchased 2002
MP

Sharon Gerrard

Age 61 Female
·
5034 Everett St, Arvada, CO 80002 (Jefferson County)
39.7885, -105.0970
· (720) 231-3762
Marital: Married TZ: Mountain
Homeowner Multi-Family Built 2008 Purchased 2009

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 6 demographic profiles associated with Sharon Gerrard. 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 Sharon Gerrard. These loans were issued to businesses, not individuals.

Papi Tinos, LLC

Limited Liability Company(LLC

$140,000 Paid in Full
Address:
1306 E 6th St
Austin, TX78702-3302
Approved

Jan 19, 2021

Forgiven

$140,552

Jobs Reported

35

Loan #

1586028302

Loan Size

Small

Papi Tinos, LLC

Limited Liability Company(LLC

$167,100 Paid in Full
Address:
1306 E 6th St
Austin, TX78702-3302
Approved

Apr 11, 2020

Forgiven

$168,080

Jobs Reported

38

Loan #

3635987101

Loan Size

Medium

Jorge Prieto

Independent Contractors

$8,147 Paid in Full
Address:
307 SW 34th Ave
Deerfield Beach, FL33442-2367
Approved

Apr 22, 2021

Forgiven

$8,184

Jobs Reported

1

Loan #

8464318800

Loan Size

Small

Billy Brown

Sole Proprietorship

$1,114 Paid in Full
Address:
1306 E 6th St
Tuscumbia, AL35674-2974
Approved

May 18, 2021

Forgiven

$1,117

Jobs Reported

1

Loan #

3214799010

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 4 PPP loan records are linked to businesses associated with Sharon Gerrard. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Sharon Gerrard on the map

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Sharon Gerrard in Arvada, CO: Background Summary

Location
5034 Everett St Unit 202, Arvada Co, Arvada, CO
Other Locations
Scottsdale, AZ ยท Laguna Beach, CA ยท North Platte, NE and 6 more
Profiles Found
16 people with this name
Phone Numbers
(720) 231-3762 and 10 others on file
Email
s_gerrar@yahoo.com
Possible Relatives
Norman Lee Gerrard, Kathleen Susan Gerrard, Forrest E Gerrard, Rodney Forrest Gerrard, Gina L Gerrard and 3 more
Career
Marketing And Communications Manager at Styles By Sharon
Voter Registration
Registered UAF
Properties
2properties owned
Vehicles
1 linked โ€” 2005 Dodge Magnum
Contributions
$657.75 total โ€” ActBlue Texas, Barragan, Nanette
PPP Loans
$316K for Papi Tinos, LLC, Papi Tinos, 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 Sharon Gerrard. Because public records are indexed by name rather than by a unique identifier, the 98 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 Sharon Gerrard

Search Complexity: High

98 public records across 11states, belonging to approximately 16 different individuals. With 16 distinct profiles across 11 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Political Contribution Records section may be most helpful for disambiguation because these records include employer and occupation, which are strong distinguishing fields.

Geographic Distribution

Records are widely distributed across 11 states. Highest concentration: Colorado (8%), followed by California and Arizona. Spans the West and South regions.

CO8recordsCA7recordsAZ6recordsFL4recordsUT2recordsNE2records

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (58%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (19) and Business & Corporate Filings (7).

53
Political Contribution Records
19
Contact & Address Records
7
Business & Corporate Filings
4
PPP Loan Records
3
Property Ownership Records
3
Corporate Records

Age Distribution

Age range: approximately 67 years, suggesting multiple generations. Largest group: Senior (65+) (78%).

Senior (65+)7peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Sharon Gerrard

Is Sharon Gerrard a registered voter?
Yes, voter registration records show Sharon Gerrard is registered in Colorado with UAF affiliation. We found 1 voter registration entry across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Sharon Gerrard own property?
County assessor records show 3 properties associated with Sharon Gerrard . 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 Sharon Gerrard?
Records show 1 vehicle registration associated with Sharon Gerrard, including a 2005 Dodge Magnum. 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 Sharon Gerrard?
We found 7 business affiliations for Sharon Gerrard (Marketing And Communications Manager). Business records are compiled from state registries, SEC filings, and professional databases.
Has Sharon Gerrard made political donations?
FEC disclosure records show 53 reported political contributions from Sharon Gerrard, totaling $658. Recipients include Barragan, Nanette and ActBlue Texas. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Sharon Gerrard?
Our database contains 98 total records for Sharon Gerrard spanning 11 states. This includes 16 distinct contact records, 11 with phone numbers, 1 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 Sharon Gerrard?
The 98 records displayed for Sharon Gerrard 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 Sharon Gerrard 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.