OpenDataUSA

Quick Navigation

Teresa Mae Litton from Big Stone Gap, VA

Age 54 b. 11/16/1971
📍 1527 Crackers Neck Rd, #big Stone Gap, VA 24219-4243
✉️ teresalitton@netscape.com, litton.teresa@hotmail.com, teresalitton@verizon.net, teresalitton@netscape.net, teresalitton@vrizon.net, teresalitton@yahoo.com, teresalitton@verzion.net
👨‍👩‍👧 Relatives: Alissa Shea Chandler,Aneisha Chairite Nacole Chandler,Aneisha Chandler,Aneisha C Chandler,Ashton H Maggard,Bo Chandler,Cory S Chandler,Earl B Chandler,Ethan A Chandler,Gene M Chandler Jr,Jody A Chandler,John M Chandler,Johnny W Chandler,Johnny W Chandler,Kayla L Litton,Lisa Faye Jessee,Mona Lisa Chandler,Sandra D Chandler,Shirley A Chandler,Travis B Chandler,William S Chandler,Alan B Maggard,Alan D Maggard Jr,Alissa Chandler,Arvy J Chandler Jr,Christy R Chandler,Deborah L Tepe,Diana D Maggard,Dustin Matthew Smith,Edith C Chandler,Jack C Chandler,James R Chandler,Jean Terry,Jessee Chandler,John S Chandler Jr,Johnny W Chandler,Johnny L Chandler,Johnnywayne Chandler Sr,Mary E Chandler,Myrtle A Terry,Palmer H Jessee,Pauline V King,Rhonda Jean Chandler Jr,Robert Darnell Terry,Sandra Terry Chandler Jr,Stephanie L Griffin,Terry L Maggard,Terry Myrtle,Theresa D Chandler,Timothy Jon Chandler
🕐 13 previous addresses

Teresa Litton

Age 50 b. 1975-07-03
📍 1149 N Henry St, Augusta Ks 67010
📞 (316) 253-3059, (316) 253-3059
✉️ LUCKYKENOBI@HOTMAIL.COM, luckykenobi@hotmail.com

Teresa K Litton

Age 73 b. 1953-02-18
📍 904 Valley Rd, Kingston Tn
📞 (865) 748-1612
✉️ DAISYDOG77@ATT.NET, daisydog77@att.net

Ms Teresa Ann Litton from Martinsville, IN

Age 55 b. 5/4/1970
📍 490 N Main St, Apt A9, #martinsville, IN 46151-1178
👨‍👩‍👧 Relatives: Ricky Wayne Blevins,Amber D Litton,Ashley N Litton,James E Litton Jr,Joshua J Litton,Justin M Litton,Teresa A Blevins,Amber D Blevins,Amber J Riffel,Becky Gail Blevins,Debra Kay Blevins,Hazel B Blevins,Hazel B Blevins,Jared K Litton Sr,Jared Kody Litton,Jeremy W Blevins,Joshua W Blevins,Mary E Gibson,Nathaniel L Byrum,Nichole L Blevins,Teresa B Harrington,Amber Riffel,Anita S Riffel,Anthony Wayne Harrington,Brad D Riffel Sr,Danny L Derry,Dawn R Riffel,Dixie L Litton,Douglas J Pitman,Ginger D Lehr,James E Litton,James E Litton Sr,Jason D Arthur,Jeffrey S Hendershot,Joel D Riffel,Judi Lynn Riffel Jr,Kasey J Parsons,Kevin J Parsons,Larry Wayne Litton Sr,Lisa J Doty,Loretta J Pitman,Loretta Pittman,Macaulay N Ward,Nicole V Anthis,Stella B Riffel,Thomas G Gibson,Tilisa L Litton,Tony Wayne Harrington,Tony Wayne Harrington Sr,Valerie M Riffel
🕐 16 previous addresses

Teresa Litton from Kingston, TN

Age 60
📍 904 Valley Rd, Kingston, TN 37763
📞 (865) 376-6929
👨‍👩‍👧 Relatives: Mary L Litton,Edsel F Litton,Litton Edsel,Rachel Litton

Teresa Litton from Bristol, TN

0
📍 189 Windy Hills Rd, Bristol, TN 37620
👨‍👩‍👧 Relatives: Karen A Vicars,Larry F Litton,Edsel F Litton,Larry F Llitton,Sydney Litton,Lary F Litton,Joellen Ellen Litton,Karen A Litton

Teresa Litton from Exchange, WV

Age 48 b. Sep 1977 Braxton Co.
📍 Hc 63 Po Box 80
📞 (304) 765-5044

Teresa Litton from Walnut Creek, CA

Age 80 b. May 1945 Contra Costa Co.
📍 411 La Vista Rd
📞 (925) 939-1289

Teresa Litton from Wichita, KS

Age 80 b. Dec 1945 Sedgwick Co.
📍 6463 N Wendell St
📞 (316) 744-2115

Teresa Litton from Mobile, AL

Age 64 b. Sep 1961 Mobile Co.
📍 8061 Country Dr
📞 (256) 546-0231
👤 aka Teresa J Tipton Jr

Teresa Litton from Louisville, KY

Female
📍 6904 Blackhorse Dr
📞 (502) 767-8050 (SPRINT)

Teresa Litton from Paragon, IN

Age 55 b. Sep 1970 Morgan Co.
📍 Po Box 341

Teresa Litton from Gap, VA

Age 62 b. Nov 1963 Lee Co.
📍 2 Penningtn Po Box 636

Teresa Litton from Wichita, KS

Age 50 b. Jul 1975 Sedgwick Co.
📍 3867 S Boyd St

Teresa Litton from West Milton, OH

Age 59 b. May 1966 Miami Co.
📍 5919 S Iddings Rd

Teresa Litton from Mt Washington, KY

0
📍 727 Po Box, Mt Washington, KY 40047

Teresa Litton from Kingston, TN

Roane Co.
📍 04 Valley Rd K
📞 (865) 376-6929

Teresa Litton from Salt Lake Cty, UT

Salt Lake Co.
📍 1213 Woodridge Cir
📞 (916) 660-0506

Teresa Litton from Kingston, TN

Roane Co.
📍 904 Valley Rd
📞 (865) 376-6929

Teresa Litton from Bristol, TN

Sullivan Co.
📍 189 Windy Hills Rd
📞 (423) 878-9718

Teresa J Litton from Mobile, AL

📍 6050 Grelot Rd, Apt 202, #mobile, AL 36609-3664

Teresa Litton

📍 2320 Brookwood Dr, Clarksville In
📞 (502) 716-0998

Teresa Litton from Paragon, IN

📍 8100 W Base Line Rd

Teresa Litton from Mobile, AL

Mobile Co.
📍 6050 Grelot Rd Apt 202

Unknown Person

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 25 contact records for Teresa Litton across 10 states. The most recent address on file is in Exchange, West Virginia. Of these records, 15 include phone numbers and 3 include email addresses. The listed age is 60. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Litton Teresa

Wise County
PIN: 16598
· 1527 Crackers Neck Rd
Lot: 13,105sqft

Litton Teresa & Mark

Snohomish County
· 18000 Ambleside Crt, Arlington Wa 98223-5990
Assessed: $410,900

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

Teresa Ann Litton

309 Holly ST, Destin, , 325412615

Teresa M Litton

Gender: F

Teresa A Litton

Democrat Reg: 10/12/2000
13826 Meyers Rd # 2104, Oregon City, OR, 97045
DOB: 1/1/1950
County: Clackamas

Teresa Lyn Litton

Reg: 02/02/2014
18000 Ambleside Ct, Arlington, WA, 98223
DOB: 07/03/1973 Gender: Female
County: SN

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 4 voter registration records were found for Teresa Litton in , Oregon, Washington. Party affiliation is listed as DEM. 2 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.

2007 SATURN RELAY
· Registered to: Teresa Litton
· VIN: 5GZDV53107D133508
·
5919 S Iddings Rd, West Milton, OH, 45383
2004 Honda Accord
· Registered to: Teresa Litton
· VIN: 1HGCM66514A011565
·
2978 Chesterville Rd, Mineral Wells, WV, 26150
·
(304) 489-9340
2012 Honda Civic
· Registered to: Teresa Litton
· VIN: 19XFB2F96CE325060
·
18000 Ambleside Ct, Arlington, WA, 98223-5990
·
(360) 856-4389
2008 CHEVROLET SILVERADO 1500
· Registered to: Teresa Litton
· VIN: 2GCEK19J781312849
·
8167 Scotts Fork Bonnie Rd, Exchange, WV, 26619-7127
2012 Kia Optima
· Registered to: Teresa Litton
· VIN: 5XXGN4A60CG025204
·
18000 Ambleside Ct, Arlington, WA, 98223-5990
·
(360) 856-4389
2008 DODGE AVENGER
· Registered to: Teresa Litton
· VIN: 1B3LC56K08N647394
·
1527 Crackers Neck Rd, Big Stone Gap, VA, 24219-4243
2002 CHEVROLET SILVERADO PICKUP
· Registered to: Teresa Litton
· VIN: 1GCEK19TX2E200439
·
8167 Scotts Fork Bonnie Rd, Exchange, WV, 26619

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 7 vehicle registration records are associated with Teresa Litton. Registered makes include Saturn, Honda, Chevrolet, Kia and others. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Bada Bling

Owner
Austin,
LinkedIn

St Lawrence The Martyr

Teresa LittonSecretary
Sacramento, CA

Teresa Litton

Enrichment Coordinator
Ymca Of Greater Dayton
Dayton, Ohio, United States Health, Wellness And Fitness
LinkedIn

Teresa Litton

Administrative Assistant
Highmark INC.
West Virginia
teresa.litton@highmark.com
LinkedIn

Mountain State Blue Cross & Blue Shield

Teresa LittonClerk / Clerical / Receptionist
(304) 424-7755teresa.litton@msbcbs.com
Parkersburg, WV

Teresa Litton

Enrichment Coordinator at YMCA · Dayton, Ohio Area

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 10 business affiliations were found for Teresa Litton. Companies include Ymca Of Greater Dayton, Mountain State Blue Cross & Blue Shield. Roles listed include Owner and Secretary. Records are compiled from state business registries, SEC filings, and professional networking databases.

Teresa Litton

Indianola Academy - Indianola, MS, MS
1988

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Teresa Litton 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

Teresa K Litton

Age 64 Female
·
904 Valley Rd, Kingston, TN 37763 (Roane County)
35.8846, -84.5213
· (865) 376-6929
Marital: Married TZ: Eastern
Homeowner Single Family Built 1970
MP

Teresa M Litton

Age 42 Female
·
1149 Henry St, Augusta, KS 67010 (Butler County)
37.6863, -96.9801
· (316) 775-6549
TZ: Central
Homeowner Single Family Built 1920 Purchased 2010
MP

Teresa Litton

Female
·
5501 Overbrook Woods Pl, Louisville, KY 40291 (Jefferson County)
38.1251, -85.5893
TZ: Eastern
Multi-Family
MP

Teresa I Litton

Age 51 Female
·
5919 S Iddings Rd, West Milton, OH 45383 (Miami County)
39.9427, -84.2986
· (937) 698-6804
Marital: Married TZ: Eastern
Occ: Professional Edu: Vocational/Technical
Homeowner Single Family Built 1950 Purchased 1990
MP

Teresa M Litton

Age 39 Female
·
8167 Scotts Fork Bonnie Rd, Exchange, WV 26619 (Braxton County)
38.7676, -80.7389
· (304) 765-0447
Marital: Inferred Married TZ: Eastern
Edu: High School
Homeowner Single Family
MP

Teresa C Litton

Age 72 Female
·
411 La Vista Rd, Walnut Creek, CA 94598 (Contra Costa County)
37.9034, -122.0410
· (925) 939-1289
Marital: Married TZ: Pacific
Edu: High School
Homeowner Single Family Built 1952 Purchased 1993
MP

Teresa G Litton

Age 57 Female
·
2978 Chesterville Rd, Mineral Wells, WV 26150 (Wood County)
39.1415, -81.5080
Marital: Inferred Married TZ: Eastern
Homeowner Single Family Built 1986
MP

Teresa M Litton

Age 42 Female
·
41 Cottonwood Point Ln, Augusta, KS 67010 (Butler County)
37.6915, -96.9761
· (316) 744-2115
Marital: Married TZ: Central
Occ: White Collar Edu: High School
MP

Teresa Litton

Age 44 Female
·
1527 Crackers Neck Rd, Big Stone Gap, VA 24219 (Wise County)
36.8510, -82.7133
Marital: Married TZ: Eastern
Occ: White Collar Edu: High School
Homeowner Single Family Built 2008 Purchased 2000

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

Kelidarrius Nixon

Sole Proprietorship

$17,422 Exemption 4
Address:
800 Hillcrest Rd
Birmingham, AL35235-1105
Approved

Mar 3, 2021

Jobs Reported

1

Loan #

6241358500

Loan Size

Small

Richardson And Associates LLP

Limited Liability Partnership

$32,622 Paid in Full
Address:
800 Hillcrest Rd
Mobile, AL36695-3967
Approved

Feb 6, 2021

Forgiven

$33,083

Jobs Reported

2

Loan #

4303288402

Loan Size

Small

Louise Nixon

Sole Proprietorship

$2,421 Exemption 4
Address:
800 Hillcrest Rd
Birmingham, AL35235-1105
Approved

Apr 23, 2021

Jobs Reported

1

Loan #

9030308805

Loan Size

Small

Wildnative INC.

Corporation

$29,295 Paid in Full
Address:
800 Hillcrest Rd
Mobile, AL36695
Approved

Apr 15, 2020

Forgiven

$29,504

Jobs Reported

4

Loan #

1616797207

Loan Size

Small

Kelidarrius Nixon

Sole Proprietorship

$6,250 Exemption 4
Address:
800 Hillcrest Rd
Birmingham, AL35235-1105
Approved

Feb 12, 2021

Jobs Reported

1

Loan #

7790868410

Loan Size

Small

Richardson And Associates LLP

Limited Liability Partnership

$10,000 Paid in Full
Address:
800 Hillcrest Rd
Mobile, AL36695
Approved

Apr 30, 2020

Forgiven

$10,098

Jobs Reported

2

Loan #

4806547305

Loan Size

Small

Mountain Aire Service America, INC.

Corporation

$142,440 Paid in Full
Address:
700 Market St
Wheeling, WV26003
Approved

Apr 27, 2020

Forgiven

$143,818

Jobs Reported

13

Loan #

3507927209

Loan Size

Small

Mountain Aire Service America INC.

Corporation

$142,440 Paid in Full
Address:
700 Market St
Wheeling, WV26003-2518
Approved

Feb 17, 2021

Forgiven

$143,064

Jobs Reported

13

Loan #

9701248410

Loan Size

Small

Wildnative INC.

Corporation

$29,295 Paid in Full
Address:
800 Hillcrest Rd
Mobile, AL36695-3967
Approved

Feb 13, 2021

Forgiven

$29,579

Jobs Reported

4

Loan #

8170138407

Loan Size

Small

Naytreonna Nixon

Sole Proprietorship

$20,833 Exemption 4
Address:
800 Hillcrest Rd
Birmingham, AL35235-1105
Approved

Apr 24, 2021

Jobs Reported

1

Loan #

1191468910

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 10 PPP loan records are linked to businesses associated with Teresa Litton. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Teresa Litton on the map

Blank map of the United States, territories not included Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
3
5
3
5
3
1
3
1
6
1
4
4
7

Found 46 results across 13 states

Fewer
More

Teresa Litton in Augusta, KS: Background Summary

Location
1149 N Henry St, Augusta Ks 67010, Augusta, KS
Other Locations
Exchange, WV · Walnut Creek, CA · Wichita, KS and 8 more
Profiles Found
25 people with this name
Phone Numbers
(276) 523-3470 and 16 others on file
Email
teresalitton@netscape.com and 8 others on file
Possible Relatives
Alissa Shea Chandler, Aneisha Chairite Nacole Chandler, Aneisha Chandler, Aneisha C Chandler, Ashton H Maggard and 103 more
Career
Owner, Secretary at Ymca Of Greater Dayton, Mountain State Blue Cross & Blue Shield
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
7 linked — 2007 Saturn Relay, 2004 Honda Accord and 5 more
PPP Loans
$433K for Kelidarrius Nixon, Richardson And Associates LLP

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 Teresa Litton. Because public records are indexed by name rather than by a unique identifier, the 73 results displayed here may include information belonging to multiple individuals who share the same name — 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 — 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 — some restrict access or redact certain fields such as date of birth or residential address — 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 — 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.

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 Teresa Litton

Search Complexity: High

73 public records across 13states, belonging to approximately 25 different individuals. With 25 distinct profiles across 13 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 — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 13 states. Highest concentration: West Virginia (10%), followed by Tennessee and Kansas. Spans the South and Midwest regions.

WV7recordsTN6recordsKS5recordsCA5recordsVA4recordsWA4records

Record Type Breakdown

Data spans 6 record categories. Largest: Contact & Address Records (48%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (10) and PPP Loan Records (10).

30
Contact & Address Records
10
Business & Corporate Filings
10
PPP Loan Records
7
Vehicle Registration Records
4
Voter Registration Records
2
Property Ownership Records

Age Distribution

Age range: approximately 32 years, suggesting multiple generations. Largest group: Senior (65+) (33%).

Senior (65+)3peopleMiddle-Age (40-64)6people

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

Frequently Asked Questions About Teresa Litton

Is Teresa Litton a registered voter?
Yes, voter registration records show Teresa Litton is registered in . We found 4 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Teresa Litton own property?
County assessor records show 2 properties associated with Teresa Litton . 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 Teresa Litton?
Records show 7 vehicle registrations associated with Teresa Litton, including a 2007 SATURN RELAY. Registered makes include Saturn, Honda, Chevrolet, Kia. 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 Teresa Litton?
We found 10 business affiliations for Teresa Litton (Owner). Other companies include Mountain State Blue Cross & Blue Shield. Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Teresa Litton?
Our database contains 73 total records for Teresa Litton spanning 13 states. This includes 25 distinct contact records, 15 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 Teresa Litton?
The 73 records displayed for Teresa Litton 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 Teresa Litton 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.