Suzanne Fogarty

๐Ÿ“ 545 W Pine St, Griffith In
๐Ÿ“ž (219) 924-9371, (219) 670-4471
โœ‰๏ธ SUZIECHARLIE2013@GMAIL.COM

Suzanne Fogarty

Age 84 b. 1941-07-13
๐Ÿ“ 1904 Serenade Ln, Richardson Tx
๐Ÿ“ž (972) 231-7656
โœ‰๏ธ SUZANNE_FOGARTY@YAHOO.COM

Suzanne Fogarty from Vienna, VA

Age 65
๐Ÿ“ 411 Council Dr, Vienna, VA 22180
๐Ÿ“ž (703) 281-9301, (703) 608-1436, (515) 277-6901
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Thomas A Fogarty,Susan M Fogarty,Timothy C Fogerty,Stephen E Forgrty,Margaret Donohoe Fogarty

Suzanne Fogarty from San Francisco, CA

Age 59 b. Oct 1966 San Francisco Co.
๐Ÿ“ 1355 5th Ave Unit 4
๐Ÿ“ž (305) 858-6538, (415) 461-7282

Suzanne Fogarty from Palm Harbor, FL

Age 54
๐Ÿ“ 3429 Dove Hollow Ct, Palm Harbor, FL 34683

Suzanne Fogarty from Savannah, GA

Age 50 b. Mar 1976 Chatham Co.
๐Ÿ“ 5409 Reynolds St
๐Ÿ“ž (912) 355-9270

Suzanne Fogarty from Griffith, IN

Age 77 b. Feb 1949 Lake Co.
๐Ÿ“ 545 W Pine St
๐Ÿ“ž (406) 293-6334

Suzanne Fogarty from New York, NY

Age 58 b. Mar 1968
๐Ÿ“ 555 W 23rd St
๐Ÿ“ž (212) 533-6049

Suzanne Fogarty from El Cerrito, CA

Age 57 b. Mar 1969 Contra Costa Co.
๐Ÿ“ 936 Shevlin Dr
๐Ÿ“ž (812) 299-4987

Suzanne Fogarty from Gary, IN

Female
๐Ÿ“ 615 N Lafayette St
๐Ÿ“ž (219) 545-1302 (SPRINT)

Suzanne Fogarty from Denver, CO

Age 78 b. 1948 Female
๐Ÿ“ 175 Rampart Way
๐Ÿ“ž (303) 341-0102

Suzanne Fogarty from Washington, DC

Age 77 b. Sep 1948 District Of Columbia Co.
๐Ÿ“ 6004 28th St Nw

Suzanne Fogarty from Pawtucket, RI

Age 60 b. Sep 1965 Providence Co.
๐Ÿ“ 355 Ronald Ave

Suzanne Fogarty from New York, NY

Age 57 b. Sep 1968 New York Co.
๐Ÿ“ 70 E 3rd St

Suzanne Fogarty from Melvindale, MI

Age 76 b. Jun 1949 Wayne Co.
๐Ÿ“ 18610 Allen Rd

Suzanne Fogarty from San Francisco, CA

Age 55 b. Jan 1971 San Francisco Co.
๐Ÿ“ 816 Fillmore St

Suzanne Fogarty from Anacortes, WA

Age 62 b. Jul 1963 Skagit Co.
๐Ÿ“ 4807 Cypress Dr

Suzanne Fogarty from Florence, AL

Lauderdale Co.
๐Ÿ“ 441 N Cherry St
๐Ÿ“ž (205) 428-8905

Suzanne Fogarty from Woodstock, GA

Cherokee Co.
๐Ÿ“ 1345 Towne Lake Hills South Dr
๐Ÿ“ž (770) 928-9501

Suzanne Fogarty from Lafayette, IN

Tippecanoe Co.
๐Ÿ“ 3617 Sunnyview Dr
๐Ÿ“ž (317) 474-5005

Suzanne Fogarty from Lafayette, IN

Tippecanoe Co.
๐Ÿ“ 333 Lodi Ln
๐Ÿ“ž (317) 447-5958

Suzanne Fogarty from Bryn Mawr, PA

Delaware Co.
๐Ÿ“ 11 Prospect Ave 1

Suzanne Fogarty from New York, NY

New York Co.
๐Ÿ“ 54 Barrow St 2 B

Suzanne Fogarty from Frankfort, IL

Will Co.
๐Ÿ“ 21354 S 93 Rd Ave

Suzanne Fogarty from Babylon, NY

Suffolk Co.
๐Ÿ“ 56 Shore Rd

Suzanne Fogarty from Berkeley, CA

Alameda Co.
๐Ÿ“ 225 California Hall

Suzanne Fogarty from Vienna, VA

๐Ÿ“ 411 Council Dr Ne

Suzanne Fogarty from Saint Paul, MN

Ramsey Co.
๐Ÿ“ 2084 Grand Ave

Suzanne Fogarty from Kenner, LA

Jefferson Co.
๐Ÿ“ 4111 Delaware Ave Apt 21

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 30 contact records for Suzanne Fogarty across 16 states. The most recent address on file is in San Francisco, California. Of these records, 15 include phone numbers and 2 include email addresses. Ages range from 54 to 65, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Fogarty Suzanne

Dallas County
PIN: 42228500090200000
· 1904 Serenade Ln, TX
Built: 1972.0
Assessed: $172,130

Fogarty Suzanne G

New-haven County
· 19 Gull Rock Rd, Madison

Fogarty, Suzanne

Doc #2021050500411004
· 555 W 23rd St, New York Ny 10011
Record: P

Fogarty, Suzanne

Doc #2021050500411001
· 555 West 23rd Street N10d, New York Ny 10011
Record: P

Fogarty, Suzanne

Doc #2021050500411003
· 555 W 23rd St, New York Ny 10011
Record: P

Fogarty, Suzanne

Doc #2021050500411001
· 555 West 23rd Street N10d, New York Ny 10011
Record: P

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 6 property records linked to Suzanne Fogarty in Madison, New York. Values shown are from county assessor records and may differ from current market prices.

Suzanne Fogarty

Democrat
175n Rampart Way Apt 901, Denver, CO, 80230
DOB: 1948 Gender: Female Ph: 303-341-0102
County: Denver

Suzanne D Fogarty

Republican
4050 Compass Run Ln, Hampstead, MD, 21074
Gender: Female
County: Baltimore County

Suzanne Fogarty

Reg: 305839278
555 West 23 Street
DOB: 19680304 Gender: Female
Senate: 10

Suzanne Dorr Fogarty

Democrat Reg: 1/23/2017
11007 SW Palatine Ct, Portland, OR, 97219
DOB: 1/1/1961 Ph: (503) 805-5019
County: Multnomah

Suzanne Fogarty

297 Butler Ave, Providence, 02906

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 5 voter registration records were found for Suzanne Fogarty in Colorado, Maryland, Oregon. Records show affiliations with DEM, REP, which may reflect different individuals or changes over time. 1 registration is currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2012 VOLKSWAGEN TIGUAN
ยท Registered to: Suzanne Fogarty
ยท VIN: WVGBV7AX3CW538820
·
175 Rampart Way Ste 901, Denver, CO, 80230-6473
·
(703) 608-1436
2010 Ford Escape
ยท Registered to: Suzanne Fogarty
ยท VIN: 1FMCU0D73AKC07296
·
14909 College Ave, Allen Park, MI, 48101-3519
·
(313) 383-3067
2009 Volkswagen Jetta
ยท Registered to: Suzanne Fogarty
ยท VIN: 3VWTJ71KX9M255457
·
175 Rampart Way Ste 901, Denver, CO, 80230
2017 CHEVROLET TRAVERSE
ยท Registered to: Suzanne Fogarty
ยท VIN: 1GNKVHKD2HJ176196
·
4050 Compass Run Ln, Hampstead, MD, 21074
·
(410) 236-0321

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 4 vehicle registration records are associated with Suzanne Fogarty. Registered makes include Volkswagen, 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.

Microsoft Corporation

Senior Product Marketing Manager
suzannef@microsoft.com
Redmond,

The Chapin School Ltd

Suzanne FogartyHead of School
New York, NY

Suzanne Fogarty

Head Of School
Lincoln School
Rhode Island

Suzanne Fogarty

United States

Suzanne Fogarty

Mcmurray, PA15317-0

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 10 business affiliations were found for Suzanne Fogarty. Roles listed include Senior Product Marketing Manager and Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

Suzanne B Fogarty

Group Tour
Jun 9, 2012, 08:30 AM
ยท WH

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA Suzanne Fogarty 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.

Suzanne Fogarty

Benet Academy - Lisle, IL, IL
1990

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Suzanne Fogarty 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.

$500 Sep 16, 2006
2006 D
Conroy, Thomas P
Fogarty, Suzanne Mc Murray, PA
$25 Nov 2, 2020
2020 DEM
Dnc Services CORP./Dem. Nat L Committee
Fogarty, Suzanne Lawyer @ Duane Morris Greenbrae, CA
$25 Nov 2, 2020
2020 DEM
Biden, Joe
Fogarty, Suzanne Lawyer @ Duane Morris Greenbrae, CA
$15 Oct 21, 2018
2020 DEM
Hill, Katherine Lauren
Fogarty, Suzanne Lawyer @ Duane Morris LLP Greenbrae, CA
$100 Mar 2, 2012
2012
Chou, James
Fogarty, Suzanne Lawyer @ Lhb Pacific Law Partners Kentfield, CA
$100 Oct 27, 2020
2020 DEM
Biden, Joe
Fogarty, Suzanne Lawyer @ Duane Morris Greenbrae, CA
$100 Mar 31, 2012
2012 N
Chou, James
Fogarty, Suzanne Lawyer @ Duane Morris LLP Kentfield, CA
$25 Nov 2, 2020
2020 DEM
Biden, Joe
Fogarty, Suzanne Lawyer @ Duane Morris Greenbrae, CA
$30 Sep 24, 2001
2002 REP
Maryland Republican Party
Fogarty, Suzanne D Hampstead, MD
$100 Mar 2, 2012
2012 N
Chou, James
Fogarty, Suzanne Lawyer @ Lhb Pacific Law Partners Kentfield, CA
$100 Mar 31, 2012
2012
Chou, James
Fogarty, Suzanne Lawyer @ Duane Morris LLP Kentfield, CA
$100 Aug 11, 2003
2004 REP
Maryland Republican Party
Fogarty, Suzanne D Hampstead, MD
$30 Aug 15, 2001
2002 REP
Maryland Republican Party
Fogarty, Suzanne D Hampstead, MD
$15 Oct 21, 2018
DEM
Hill, Katherine Lauren
Contributor Lawyer @ Duane Morris LLP Greenbrae, CA
$100 Oct 19, 2020
Unknown Committee
Fogarty, Suzanne Lawyer @ Duane Morris Greenbrae, CA
$100
2012 N
Chou, James
Contributor Lawyer @ Lhb Pacific Law Partners Kentfield, CA
$35 20220801
Texans for Greg Abbott
Contributor Richardson, TX

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 17 political contribution records found for Suzanne Fogarty. Total disclosed contributions amount to $1,500. Recipients include Hill, Katherine Lauren, Chou, James, Texans for Greg Abbott. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Suzanne M Fogarty

Age 52 Female
·
1155 Falls Cir, Chaska, MN 55318 (Carver County)
44.8132, -93.5736
· (612) 708-7334
Marital: Single TZ: Central
Homeowner Single Family Built 1995 Purchased 2006
MP

Suzanne M Fogarty

Age 76 Female
·
1904 Serenade Ln, Richardson, TX 75081 (Dallas County)
32.9436, -96.6887
· (972) 231-7656
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Built 1972
MP

Suzanne S Fogarty

Age 69 Female
·
175 Rampart Way, Denver, CO 80230 (Denver County)
39.7185, -104.8970
· (303) 341-0102
TZ: Mountain
Homeowner Multi-Family Built 2000 Purchased 2009
MP

Suzanne Fogarty

Age 65 Female
·
410 Thomas Rd, Canonsburg, PA 15317 (Washington County)
40.2518, -80.0987
· (724) 941-4371
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1972
MP

Suzanne M Fogarty

Age 48 Female
·
15 Sunset Rd, Melrose, MA 02176 (Middlesex County)
42.4691, -71.0543
· (781) 665-3571
Marital: Inferred Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1952 Purchased 2005
MP

Suzanne D Fogarty

Age 57 Female
·
4050 Compass Run Ln, Hampstead, MD 21074 (Carroll County)
39.6312, -76.7896
· (410) 236-0321
Marital: Married TZ: Eastern
Homeowner Single Family Built 1988 Purchased 1986
MP

Suzanne T Fogarty

Age 68 Female
·
545 W Pine St, Griffith, IN 46319 (Lake County)
41.5336, -87.4328
· (219) 924-9371
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1954 Purchased 2006
MP

Suzanne M Fogarty

Age 68 Female
·
14909 College Ave, Allen Park, MI 48101 (Wayne County)
42.2679, -83.1925
· (313) 580-4438
Marital: Single TZ: Eastern
Homeowner Single Family Built 1952
MP

Suzanne E Fogarty

Age 52 Female
·
355 Ronald Ave, Cumberland, RI 02864 (Providence County)
41.9574, -71.4053
· (401) 333-3271
Marital: Married TZ: Eastern
Homeowner Single Family Built 1965 Purchased 2013
MP

Suzanne M Fogarty

Age 48 Female
·
PO Box 477, Yellow Spgs, OH 45387 (Greene County)
39.7988, -83.8977
· (937) 767-9134
Marital: Single TZ: Eastern
Edu: High School
Homeowner Single Family Built 1957 Purchased 2013
MP

Suzanne N Fogarty

Age 54 Female
·
4807 Cypress Dr, Anacortes, WA 98221 (Skagit County)
48.4988, -122.6680
Marital: Married TZ: Pacific
Occ: White Collar
Homeowner Single Family Built 1998 Purchased 2012

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 11 demographic profiles associated with Suzanne Fogarty. 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 Suzanne Fogarty. These loans were issued to businesses, not individuals.

Nova Sports, INC.

Subchapter S Corporation

$33,945 Paid in Full
Address:
410 Thomas Rd
Canonsburg, PA15317-2816
Approved

Apr 14, 2020

Forgiven

$34,413

Jobs Reported

5

Loan #

7103067104

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 1 PPP loan record is linked to businesses associated with Suzanne Fogarty. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Suzanne Fogarty on the map

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Suzanne Fogarty in Griffith, IN: Background Summary

Location
545 W Pine St, Griffith In, Griffith, IN
Other Locations
San Francisco, CA ยท Savannah, GA ยท New York, NY and 17 more
Profiles Found
30 people with this name
Phone Numbers
(952) 448-1994 and 18 others on file
Email
suziecharlie2013@gmail.com and 1 other on file
Possible Relatives
Edward J Fogarty, Alec R Fogarty, John E Fogarty JR, Kathleen A Fogarty, Mark S Fogarty and 50 more
Career
Senior Product Marketing Manager, Head of School
Voter Registration
Registered Democrat
Properties
6properties owned
Vehicles
4 linked โ€” 2012 Volkswagen Tiguan, 2010 Ford Escape and 2 more
Contributions
$1,500 total โ€” Chou, James, Texans for Greg Abbott
PPP Loans
$33,945 for Nova Sports, INC.
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 Suzanne Fogarty. Because public records are indexed by name rather than by a unique identifier, the 87 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 Suzanne Fogarty

Search Complexity: High

87 public records across 21states, belonging to approximately 30 different individuals. With 30 distinct profiles across 21 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 21 states. Highest concentration: New York (10%), followed by California and Indiana. Spans the West and Northeast regions.

NY9recordsCA8recordsIN5recordsCO5recordsMN3recordsTX3records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (42%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (17) and Business & Corporate Filings (10).

31
Contact & Address Records
17
Political Contribution Records
10
Business & Corporate Filings
6
Property Ownership Records
5
Voter Registration Records
4
Vehicle Registration Records

Age Distribution

Age range: approximately 35 years, suggesting multiple generations. Largest group: Senior (65+) (31%).

Senior (65+)4peopleMiddle-Age (40-64)9people

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

Frequently Asked Questions About Suzanne Fogarty

Is Suzanne Fogarty a registered voter?
Yes, voter registration records show Suzanne Fogarty is registered in Colorado with DEM affiliation. We found 5 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Suzanne Fogarty own property?
County assessor records show 6 properties associated with Suzanne Fogarty in Madison, New York and 5 other locations. 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 Suzanne Fogarty?
Records show 4 vehicle registrations associated with Suzanne Fogarty, including a 2012 VOLKSWAGEN TIGUAN. Registered makes include Volkswagen, 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 Suzanne Fogarty?
We found 10 business affiliations for Suzanne Fogarty (Senior Product Marketing Manager). Business records are compiled from state registries, SEC filings, and professional databases.
Has Suzanne Fogarty made political donations?
FEC disclosure records show 17 reported political contributions from Suzanne Fogarty, totaling $1,500. Recipients include Hill, Katherine Lauren and Chou, James and 1 others. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Suzanne Fogarty?
Our database contains 87 total records for Suzanne Fogarty spanning 21 states. This includes 30 distinct contact records, 15 with phone numbers, 2 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 Suzanne Fogarty?
The 87 records displayed for Suzanne Fogarty 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 Suzanne Fogarty 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.