Stephen Friel

Age 65 b. 1960-12-26
๐Ÿ“ 512 Wood Duck Way, Locust Grove Ga
๐Ÿ“ž (404) 914-3339, (770) 310-9220
โœ‰๏ธ DARLENEOFRIEL@HOTMAIL.COM

Stephen Friel

Age 55 b. 1970-09-04
๐Ÿ“ 362 Summergate Dr, Winston Salem Nc
๐Ÿ“ž (336) 655-5267
โœ‰๏ธ SSFRIEL32@GMAIL.COM

Stephen Friel from Wenonah, NJ

Age 43
๐Ÿ“ 513 Muhlenberg Ave, Wenonah, NJ 08090
๐Ÿ“ž (856) 468-7339
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Margaret M Friel,Edward J Friel,Stephen M Friel,Margaret M Schaeffer,M Friel,Peg K Friel

Stephen Friel from Wenonah, NJ

Age 49
๐Ÿ“ 504 Muhlenberg Ave, Wenonah, NJ 08090
๐Ÿ“ž (856) 468-8365, (856) 468-8365
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Margaret M Friel,Margaret M Schaeffer,Edward J Friel,Stephen M Friel,M Friel,Peg K Friel,Ilene M Friel

Stephen Friel from East Longmeadow, MA

Age 64
๐Ÿ“ 115 Avery St, East Longmeadow, MA 01028
๐Ÿ“ž (413) 525-8499, (413) 525-8499
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Judith C Friel,Timothy E Friel

Stephen Friel

๐Ÿ“ 4251 Alison Ave, Erie Pa
๐Ÿ“ž (814) 746-6092, (814) 873-2298
โœ‰๏ธ SMF1@ROADRUNNER.COM

Stephen Friel from Palos Heights, IL

Age 64 b. Jun 1961 Cook Co.
๐Ÿ“ 7625 Carmichael Dr
๐Ÿ“ž (708) 923-0231

Stephen Friel from Phoenix, AZ

Age 62 b. Apr 1964 Maricopa Co.
๐Ÿ“ 7002 W Indian School Rd
๐Ÿ“ž (724) 287-2626

Stephen Friel from Dayton, OH

Age 54 b. Sep 1971 Montgomery Co.
๐Ÿ“ 1722 Coventry Rd
๐Ÿ“ž (937) 258-9841

Stephen Friel from Orem, UT

Age 58 b. Sep 1967
๐Ÿ“ Pob 970152
๐Ÿ“ž (801) 225-5545

Stephen Friel from Rex, GA

Age 65 b. Dec 1960 Clayton Co.
๐Ÿ“ 6140 Valdez Dr
๐Ÿ“ž (770) 968-7137

Stephen Friel from Medford, MA

Age 57
๐Ÿ“ 86 Magoun Ave, Medford, MA 02155
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: John E Friel,Dorothy M Friel

Stephen Friel from New Bedford, MA

Male
๐Ÿ“ 20 Willis St
๐Ÿ“ž (508) 471-7139 (AT&T MOBILITY)

Stephen Friel from Pittsburgh, PA

Age 58 b. Jul 1967 Allegheny Co.
๐Ÿ“ 110 Wood Park Dr

Stephen Friel from Dayton, OH

Age 54 b. Sep 1971 Montgomery Co.
๐Ÿ“ 1832 John Glenn Rd

Stephen Friel from Erie, PA

Age 72 b. Sep 1953 Erie Co.
๐Ÿ“ 4251 Alison Ave

Stephen Friel from Devon, PA

Chester Co.
๐Ÿ“ 344 Avon Rd
๐Ÿ“ž (610) 687-1035

Stephen Friel from Wenonah, NJ

Gloucester Co.
๐Ÿ“ 504 Muhlenberg Ave
๐Ÿ“ž (856) 468-8365

Stephen Friel from Pittsburgh, PA

Allegheny Co.
๐Ÿ“ 2931 Stayton St
๐Ÿ“ž (412) 766-1513

Stephen Friel from Palmyra, NJ

Burlington Co.
๐Ÿ“ 405 Morgan Ave
๐Ÿ“ž (856) 786-7559

Stephen Friel

Age 68 b. Jul 1957
๐Ÿ“ 1 Tiskilwa Il Po Box 192

Stephen Friel from Venice, FL

Age 76 b. 1950 Male
๐Ÿ“ 1211 Capri Isles Blvd Apt 101

Stephen Friel from Rex, GA

Clayton Co.
๐Ÿ“ 2824 Woodfield Dr

Stephen Friel from New Bedford, MA

๐Ÿ“ 114 Mill St

Stephen Friel from Woodbury, NJ

Gloucester Co.
๐Ÿ“ 16 S Broad St

Stephen Friel from Springfield, MA

Hampden Co.
๐Ÿ“ 44 Briarcliff St

Stephen Friel from Erie, PA

Erie Co.
๐Ÿ“ 438 E 9th St

Stephen Friel from Wilton, ME

Franklin Co.
๐Ÿ“ Rr 1 Po Box 3910

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 28 contact records for Stephen Friel across 10 states. The most recent address on file is in Palos Heights, Illinois. Of these records, 16 include phone numbers and 3 include email addresses. Ages range from 43 to 64, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Friel Stephen J

Sarasota County
PIN: 0401111141
· 1211 Capri Isles Blvd 101, Venice 34292
Value: $90,800

Friel Stephen R Jr & Elizabeth A Friel

Allegheny County
· 110 Wood Park Ln, Shaler
Sale: $129,000 (11011996.0)

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

Stephen Friel

Locust Grove, 30248
DOB: 1/1/1960 Gender: Male
Congress: 003

Stephen Michael Friel

Unaffiliated
50 Laurel St, Woodbury, 08096
DOB: 3/2/1965
County: Gloucester

Stephen S Friel

Democrat Reg: 04/06/2007
4251 Alison Ave, Erie, PA, 16506
DOB: 12/31/1980 Gender: Male

Stephen Francis Friel

Republican Reg: 07/27/1992
545 E Pearl St, Butler, PA, 16001
DOB: 01/28/1964 Gender: Male

Stephen M Friel

Democrat Reg: 05/01/2000
4251 Alison Ave, Erie, PA, 16506
DOB: 09/17/1953 Gender: Unknown

Stephen J Friel

1211 Capri Isles Blvd, Venice, , 34292

stephen ANTHONY friel

Unaffiliated Reg: 09/01/2005
362 Summergate Dr, Winston Salem, NC, 27103
DOB: 1970 Gender: Male
County: Forsyth

Stephen Francis Friel

545 E Pearl St
DOB: 01/28/1964 Gender: Male

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 8 voter registration records were found for Stephen Friel in Pennsylvania, , North Carolina. Records show affiliations with U, D, R, UNA, which may reflect different individuals or changes over time. 3 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2004 HONDA CR-V MINI SPORT UTILITY
ยท Registered to: Stephen Friel
ยท VIN: SHSRD78484U232213
·
115 Avery St, East Longmeadow, MA, 01028
·
(413) 525-8499
1974
ยท Registered to: Stephen Friel
ยท VIN: J4F835TE24483
·
1722 Coventry Rd, Dayton, OH, 45420
·
(937) 258-9841
1999 TOYOTA COROLLA CAR BASIC ECONOMY
ยท Registered to: Stephen Friel
ยท VIN: 1NXBR12E8XZ272310
·
510 Bent Creek Trl, Kernersville, NC, 27284
2012 Ford Escape
ยท Registered to: Stephen Friel
ยท VIN: 1FMCU9D70CKA04759
·
642 E 9th St, Erie, PA, 16503-1312
·
(814) 833-2122
2003 Chevrolet S10
ยท Registered to: Stephen Friel
ยท VIN: 1GCCS14H738122549
·
771 W Boyd Ave, Princeton, IL, 61356-2315
2015 Chevrolet Silverado K2500Hd Lt
ยท Registered to: Stephen Friel
ยท VIN: 1GC2KVEG2FZ138651
·
1722 Coventry Rd, Kettering, OH, 45420-2402
2017 CHEVROLET SILVERADO K2500HD LT
ยท Registered to: Stephen Friel
ยท VIN: 1GC2KVEG2HZ138651
·
1722 Coventry Rd, Kettering, OH, 45420-2402

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 7 vehicle registration records are associated with Stephen Friel. Registered makes include Honda, Toyota, Ford, Chevrolet. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

CHKv2

sfriel@fedex.com

Stephen Friel

Membership Consultant
Virgin Active
United Kingdom Health, Wellness And Fitness

Stephen Friel

Owner
Nixon Consulting
Lancashire

Stephen Friel

Religious Leader
(508) 471-3910lilresr@hotmail.com
20 Willis St., New Bedford, MA2740
imperialshotel.com

Stephen Friel

United States

Stephen Friel

Religious Leader
(508) 471-3910lilresr@hotmail.com
20 Willis St., New Bedford, MA2740

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 9 business affiliations were found for Stephen Friel. Companies include Virgin Active. Roles listed include Null and Religious Leader. Records are compiled from state business registries, SEC filings, and professional networking databases.

Friel, Stephen M.

Addr: 512 Wood Duck Way Locust Grove, , GA 30248, Locust Grove,, GA, 30248
GA

Friel Services, INC.

Addr: 512 Wood Duck Way, Locust Grove,, GA, 30248
GA
Officer: Stephen M. Friel

Friel Services, INC.

Addr: 512 Wood Duck Way, Locust Grove,, GA, 30248
GA
Officer: Stephen M. Friel

Cool Dr. Heating & Air INC.

Addr: 512 Wood Duck Way, Locust Grove, GA, 30248
GA
Officer: Stephen M Friel

Cool Dr. Heating & Air INC.

Addr: 512 Wood Duck Way, Locust Grove, GA, 30248
GA
CEO: Stephen Friel

Source: Public Records Stephen Friel appears in 5 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Stephen Friel

Medford High School - Medford, MA, MA
1974

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Stephen Friel 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.

$27 Dec 31, 2019
2020 DEM
Sanders, Bernard
Friel, Stephen Customer Success Analyst @ Rally Health Centennial, CO
$1 Jan 29, 2016
2016 DEM
Actblue
Friel, Stephen Customer Service @ Rally Health Denver, CO
$10 Jan 29, 2016
2016 DEM
Sanders, Bernard
Friel, Stephen Customer Service @ Rally Health Denver, CO
$11 Oct 31, 2015
2016
Monroe Plumbers And Pipe Fit L671
Friel, Stephen Erie, PA
$27 Dec 19, 2019
2020 DEM
Sanders, Bernard
Friel, Stephen Customer Success Analyst @ Rally Health Centennial, CO
$34 Nov 30, 2015
2016
Monroe Plumbers And Pipe Fit L671
Friel, Stephen Erie, PA
$10 Jan 29, 2016
DEM
Sanders, Bernard
Contributor Customer Service @ Rally Health Denver, CO
$11
2016
Monroe Plumbers And Pipe Fit L671
Contributor Erie, PA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 8 political contribution records found for Stephen Friel. Total disclosed contributions amount to $131. Recipients include Sanders, Bernard, Monroe Plumbers And Pipe Fit L671. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Stephen M Friel

Age 63 Male
·
4251 Alison Ave, Erie, PA 16506 (Erie County)
42.0591, -80.1602
· (814) 602-9005
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1999 Purchased 1999
MP

Stephen W Friel

Age 60 Male
·
88 Magoun Ave, Medford, MA 02155 (Middlesex County)
42.4156, -71.0951
Marital: Married TZ: Eastern
Single Family
MP

Stephen Friel

Male
·
50 Franklin Dr, Edinboro, PA 16412 (Erie County)
41.8631, -80.1424
· (814) 572-2949
TZ: Eastern
Homeowner Single Family Built 1980
MP

Stephen M Friel

Age 56 Male
·
7625 Carmichael Dr, Palos Heights, IL 60463 (Cook County)
41.6640, -87.8067
· (708) 923-0231
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1978 Purchased 1993
MP

Stephen Friel

Age 56 Male
·
512 Wood Duck Way, Locust Grove, GA 30248 (Henry County)
33.3636, -84.1745
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 2005 Purchased 2009
MP

Stephen Friel

Age 84 Male
·
683 W 1360 N, Orem, UT 84057 (Utah County)
40.3221, -111.7120
Marital: Married TZ: Mountain
Occ: Professional Edu: High School
Homeowner Single Family Built 1991 Purchased 2010
MP

Stephen J Friel

Age 67 Male
·
9 Southwood Cir, Hampden, MA 01036 (Hampden County)
42.0806, -72.4600
· (413) 885-0005
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1999 Purchased 2015
MP

Stephen Friel

Age 39 Male
·
205 Rainbow Rd, Coatesville, PA 19320 (Chester County)
39.9806, -75.8505
· (484) 885-9621
Marital: Inferred Married TZ: Eastern
Edu: Some College
Single Family
MP

Stephen F Friel

Age 63 Male
·
545 E Pearl St, Butler, PA 16001 (Butler County)
40.8665, -79.8858
· (724) 287-2626
Marital: Married TZ: Eastern
Homeowner Single Family
MP

Stephen J Friel

Age 45 Male
·
1722 Coventry Rd, Dayton, OH 45420 (Montgomery County)
39.7424, -84.1437
· (937) 258-9841
Marital: Single TZ: Eastern
Edu: High School
Homeowner Single Family Built 1932 Purchased 1991

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

Cool Dr. Heating & Air INC

$21,911 Paid in Full
Address:
512 Wood Duck Way
Approved

Mar 20, 2021

Forgiven

$22,030

Loan #

6144838609

Loan Size

Small

Jvn Home Remodeling LLC

Limited Liability Company(LLC

$20,115 Paid in Full
Address:
504 Muhlenberg Ave
Wenonah, NJ08090
Approved

May 5, 2020

Forgiven

$20,338

Jobs Reported

4

Loan #

2320287409

Loan Size

Small

Blubaugh Insurance Agency

Limited Liability Company(LLC

$5,700 Paid in Full
Address:
176 PO Box
Tonkawa, OK74653-0399
Approved

Apr 7, 2020

Forgiven

$5,728

Jobs Reported

1

Loan #

6875387003

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 3 PPP loan records are linked to businesses associated with Stephen Friel. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Stephen Friel on the map

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Stephen Friel in Locust Grove, GA: Background Summary

Location
512 Wood Duck Way, Locust Grove Ga, Locust Grove, GA
Other Locations
Palos Heights, IL ยท Phoenix, AZ ยท Dayton, OH and 12 more
Profiles Found
28 people with this name
Phone Numbers
(404) 914-3339 and 16 others on file
Email
darleneofriel@hotmail.com and 2 others on file
Possible Relatives
Margaret M Friel, Edward J Friel, Stephen M Friel, Margaret M Schaeffer, M Friel and 6 more
Career
Religious Leader at Virgin Active
Voter Registration
Registered No Party Preference
Properties
1property owned
Vehicles
7 linked โ€” 2004 Honda Cr-V, 1974 and 5 more
Contributions
$131.05 total โ€” Monroe Plumbers And Pipe Fit L671, Sanders, Bernard
PPP Loans
$47,726 for Cool Dr. Heating & Air INC, Jvn Home Remodeling 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 Stephen Friel. Because public records are indexed by name rather than by a unique identifier, the 86 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 Stephen Friel

Search Complexity: High

86 public records across 12states, belonging to approximately 28 different individuals. With 28 distinct profiles across 12 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county โ€” highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 12 states. Highest concentration: Pennsylvania (17%), followed by Massachusetts and Georgia. Spans the Northeast and South regions.

PA15recordsMA14recordsGA9recordsOH6recordsNJ5recordsIL5records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (44%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (9) and Voter Registration Records (8).

33
Contact & Address Records
9
Business & Corporate Filings
8
Voter Registration Records
8
Political Contribution Records
7
Vehicle Registration Records
5
Corporate Records

Age Distribution

Age range: approximately 30 years, suggesting multiple generations. Largest group: Senior (65+) (33%).

Senior (65+)4peopleMiddle-Age (40-64)8people

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

Frequently Asked Questions About Stephen Friel

Is Stephen Friel a registered voter?
Yes, voter registration records show Stephen Friel is registered. We found 8 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Stephen Friel own property?
County assessor records show 2 properties associated with Stephen Friel . 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 Stephen Friel?
Records show 7 vehicle registrations associated with Stephen Friel, including a 2004 HONDA CR-V. Registered makes include Honda, Toyota, Ford, Chevrolet. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
What businesses are associated with Stephen Friel?
We found 9 business affiliations for Stephen Friel (null). Business records are compiled from state registries, SEC filings, and professional databases.
Has Stephen Friel made political donations?
FEC disclosure records show 8 reported political contributions from Stephen Friel, totaling $131. Recipients include Sanders, Bernard and Monroe Plumbers And Pipe Fit L671. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Stephen Friel?
Our database contains 86 total records for Stephen Friel spanning 12 states. This includes 28 distinct contact records, 16 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 Stephen Friel?
The 86 records displayed for Stephen Friel 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 Stephen Friel 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.