Terry Ridgway

Age 57 b. 1968-06-30
๐Ÿ“ 12301 E 400 Rd, Rogers County Ok 74017
๐Ÿ“ž (918) 497-8773, (918) 341-2572, (918) 497-8774
โœ‰๏ธ TAMMY@RCI-INSURANCE.COM, tammy@rci-insurance.com

Terry Ridgway from Lakewood, CO

Age 67
๐Ÿ“ 1036 Johnson St, Lakewood, CO 80226
๐Ÿ“ž (303) 973-1478, (303) 973-1479
โœ‰๏ธ coridgway@worldnet.att.net
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Cheryl D Ridgway,Chad A Ridgway,Todd R Ridgway

Terry Ridgway from Moorestown, NJ

Age 90
๐Ÿ“ 631 Chester Ave #d, Moorestown, NJ 08057
๐Ÿ“ž (856) 722-5992, (856) 428-7618, (856) 722-5992, (856) 667-3760
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: William G Ridgway,Theresa B Ridgway,Gretchen Ridgwaylangan,Patti Ann Ridgway,Theresa Ridgway

Terry Ridgway from Sonora, CA

Age 69 b. Jul 1956 Tuolumne Co.
๐Ÿ“ 24477 Lodge Way
๐Ÿ“ž (209) 586-9567
๐Ÿ‘ค aka Terry Ridgeway, Terry L Christopher

Terry Ridgway from Asbury, MO

Age 76 b. Sep 1949 Barton Co.
๐Ÿ“ 453 Stockholm St
๐Ÿ“ž (417) 642-5736

Terry Ridgway from Dunedin, FL

Age 78 b. Apr 1948 Pinellas Co.
๐Ÿ“ 2216 Clarine Way N
๐Ÿ“ž (281) 872-9306

Terry Ridgway from San Jose, CA

Age 59 b. Sep 1966 Santa Clara Co.
๐Ÿ“ 1551 Rose Anna Dr
๐Ÿ“ž (415) 335-2224

Terry Ridgway from Columbus, OH

Age 76 b. Dec 1949
๐Ÿ“ 168 N Princeton Ave
๐Ÿ“ž (614) 276-3617
๐Ÿ‘ค aka Terry L Ridgeway

Terry Ridgway from Cedar Park, TX

Age 91 b. Nov 1934 Williamson Co.
๐Ÿ“ 203 E New Hope Dr
๐Ÿ“ž (512) 259-1527

Terry Ridgway from Claremore, OK

Age 57 b. Jun 1968 Rogers Co.
๐Ÿ“ 12301 E 400 Rd
๐Ÿ“ž (918) 341-2572

Terry Ridgway from Las Vegas, NV

Age 94 b. 1932 Clark Co.
๐Ÿ“ 5138 Alfalfa St
๐Ÿ“ž (702) 434-4601

Terry Ridgway from Dunkirk, IN

Age 69 b. Apr 1957 Jay Co.
๐Ÿ“ 318 E North St
๐Ÿ“ž (765) 768-1135

Terry Ridgway

๐Ÿ“ 1167 Washoe Dr, San Jose Ca
๐Ÿ“ž (408) 997-3487, (408) 997-3487
โœ‰๏ธ TERRY@DEKT.COM

Terry Ridgway from Queen Creek, AZ

Age 58 b. 1968 U
๐Ÿ“ 18856 E Cattle Dr
๐Ÿ“ž (602) 635-8863

Terry Ridgway from Littleton, CO

Age 78 b. Jul 1947 Jefferson Co.
๐Ÿ“ 11504 W Tulane Pl

Terry Ridgway from Indianapolis, IN

Age 77 b. Jan 1949 Marion Co.
๐Ÿ“ 1011 S Post Rd

Terry Ridgway from San Jose, CA

Age 59 b. Sep 1966 Santa Clara Co.
๐Ÿ“ 1551 Roseanna Dr

Terry Ridgway from Columbus, OH

Age 76 b. Dec 1949 Franklin Co.
๐Ÿ“ 720 Demorest Rd

Terry Ridgway from Las Vegas, NV

Age 93 b. Aug 1932 Clark Co.
๐Ÿ“ 1523 Lorilyn Ave 1

Terry Ridgway from Adrian, WV

Age 66 b. Jul 1959 Upshur Co.
๐Ÿ“ Rr 2 Box 126

Terry Ridgway from Danville, KY

Age 75 b. May 1950 Boyle Co.
๐Ÿ“ 113 Ashley Way

Terry Ridgway from Safford, AZ

Age 94 b. 1932 Male
๐Ÿ“ 3249 S Barney Ln

Terry Ridgway from San Jose, CA

Santa Clara Co.
๐Ÿ“ 1167 Washoe Dr

Terry Ridgway from Mesa, AZ

Maricopa Co.
๐Ÿ“ 5808 E Brown Rd 102

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 26 contact records for Terry Ridgway across 13 states. The most recent address on file is in Sonora, California. Of these records, 16 include phone numbers and 5 include email addresses. Ages range from 67 to 90, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Ridgway, Terry L

Pinellas County
PIN: 16 28 18 39350 000 0170
· 2216 Clarine Way N, Dunedin 34698
Value: $258,918

Ridgway Terry Joe/Jolene

Maricopa County
· E 18856 Cattle, Chandler

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

Terry Ridgway

Democrat
11504w Tulane Pl, Littleton, CO, 80127
DOB: 1947 Gender: Male Ph: 303-973-1478
County: Jefferson

Terry L Ridgway

2216 Clarine Way N, Dunedin, , 34698

Terry L Ridgway

County: Jasper

Terry Allen Ridgway

Democrat
Precinct: 660011

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 4 voter registration records were found for Terry Ridgway in Colorado, . Party affiliation is listed as DEM. 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.

2010 Chevrolet Suburban
ยท Registered to: Terry Ridgway
ยท VIN: 1GNUCHE05AR253822
·
45219 W Jack Rabbit Trl, Maricopa, AZ, 85139
·
(480) 279-6260
2012 Ford Mustang
ยท Registered to: Terry Ridgway
ยท VIN: 1ZVBP8AM3C5233380
·
45219 W Jack Rabbit Trl, Maricopa, AZ, 85139
·
(480) 279-6260
2004 GMC Sierra 1500
ยท Registered to: Terry Ridgway
ยท VIN: 2GTEK19T641272601
·
453 Stockholm St, Asbury, MO, 64832
·
(417) 624-5737
1999 CADILLAC DEVILLE CAR MID LUXURY
ยท Registered to: Terry Ridgway
ยท VIN: 1G6KD54Y4XU774428
·
203 E New Hope Dr, Cedar Park, TX, 78613
·
(512) 259-1527
2011 CHEVROLET IMPALA
ยท Registered to: Terry Ridgway
ยท VIN: 2G1WG5EK1B1234337
·
4539 Stockholm, Asbury, MO, 64832
·
(417) 642-5736
2018 CHEVROLET COLORADO
ยท Registered to: Terry Ridgway
ยท VIN: 1GCHTDEN0J1298597
·
11504 W Tulane Pl, Littleton, CO, 80127
·
(720) 297-5012
2009 TOYOTA HIGHLANDER
ยท Registered to: Terry Ridgway
ยท VIN: JTEES43A292120097
·
11504 W Tulane Pl, Littleton, CO, 80127-1001

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 7 vehicle registration records are associated with Terry Ridgway. Registered makes include Chevrolet, Ford, Gmc, Cadillac and others. The most recent model year on record is 2018. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Adobe

Quality Engineering Developer
terry.ridgway@adobe.com
San Jose,

Second Chance

Owner
(765) 768-6323RT@sccc-usa.com
Dunkirk, IN
Eating and Drinking Establishments (Food)

Terry Ridgway

Terry Ridgway
(415) 335-2224ridgway@dert.com
San Jose, CA95120

Terry Ridgway

Senior Quality Engineer
Boddingtons Plastics LTD

Terry Ridgway

Director
A D Steels
Telford And Wrekin

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 7 business affiliations were found for Terry Ridgway. Companies include Second Chance, Terry Ridgway, Terry Ridgway and 1 more. Roles listed include Quality Engineering Developer. Records are compiled from state business registries, SEC filings, and professional networking databases.

Terry L. Ridgway

Addr: 8202 Skipjack Drive, Indianapolis, IN, 46236
IN

Terry L. Ridgway

Addr: 8202 Skipjack Drive, Indpls, IN, 46236
IN

All-Star Marketing Products, INC.

Addr: 8202 Skipjack Drive, Indpls, IN, 46236
IN
Incorporator: Terry L. Ridgway

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

terry ridgway

A
Addr: Queen Creek, AZ

terry ridgway

Nonres Designated Home State All Lines A...
VALID
License # W571198
Addr: Tempe, AZ

Source: State Professional Licensing Boards ยท Dept. of Professional Regulation Terry Ridgway holds 2 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Terry Ridgway

Dunkirk High School - Dunkirk, IN, IN
1975

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Terry Ridgway 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.

$10 Dec 29, 2019
2020 DEM
Sanders, Bernard
Ridgway, Terry Not Employed French Creek, WV
$100 Apr 23, 2014
2014 DEM
Pittsgrove Democrat Assn
Ridgway, Terry Service Occupations @ A&j Canvas Pittsgrove, NJ
$2 May 4, 2020
2020 DEM
Khanna, Rohit
Ridgway, Terry Not Employed Buckhannon, WV
$3 Dec 27, 2019
2020 DEM
Gabbard, Tulsi
Ridgway, Terry Not Employed French Creek, WV
$2 May 4, 2020
2020 DEM
Welch, Peter
Ridgway, Terry Not Employed Buckhannon, WV
$2 May 4, 2020
2020 DEM
Sanders, Bernard
Ridgway, Terry Not Employed Buckhannon, WV
$5 Mar 7, 2020
2020 DEM
Sanders, Bernard
Ridgway, Terry Not Employed French Creek, WV
$15 Mar 10, 2020
2020 DEM
Sanders, Bernard
Ridgway, Terry Not Employed French Creek, WV
$2 May 4, 2020
2020 DEM
Khanna, Rohit
Ridgway, Terry Not Employed Buckhannon, WV
$250 Apr 9, 2014
2014 DEM
Pittsgrove Democrat Assn
Ridgway, Terry Service Occupations @ A&j Canvas Pittsgrove, NJ
$10 Jan 17, 2020
2020 DEM
Sanders, Bernard
Ridgway, Terry Not Employed French Creek, WV
$15 Dec 1, 2017
2018 DEM
Gillibrand, Kirsten Elizabeth
Ridgway, Terry Software Engineer @ Adobe Systems San Jose, CA
$10 Dec 27, 2019
2020 DEM
Yang, Andrew Mr.
Ridgway, Terry Not Employed French Creek, WV
$2 May 4, 2020
2020 DEM
Tlaib, Rashida
Ridgway, Terry Not Employed Buckhannon, WV
$10 Mar 17, 2020
2020 DEM
Sanders, Bernard
Ridgway, Terry Not Employed French Creek, WV
$10 Dec 31, 2019
2020 DEM
Yang, Andrew Mr.
Ridgway, Terry Not Employed French Creek, WV
$15 Dec 1, 2017
DEM
Gillibrand, Kirsten Elizabeth
Contributor Software Engineer @ Adobe Systems San Jose, CA
$250
2014 DEM
Pittsgrove Democrat Assn
Contributor Service Occupations @ A&j Canvas Pittsgrove, NJ

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 18 political contribution records found for Terry Ridgway. Total disclosed contributions amount to $711. Recipients include Gillibrand, Kirsten Elizabeth, Pittsgrove Democrat Assn. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Terry L Ridgway

Age 69 Male
·
2216 Clarine Way N, Dunedin, FL 34698 (Pinellas County)
28.0460, -82.7458
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Multi-Family Built 2001 Purchased 2006
MP

Terry A Ridgway

Age 60 Male
·
209 S Meridian St, Dunkirk, IN 47336 (Jay County)
40.3742, -85.2130
· (765) 768-1008
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family Built 1916
MP

Terry J Ridgway

Age 48 Male
·
18856 E Cattle Dr, Queen Creek, AZ 85142 (Maricopa County)
33.2736, -111.6750
· (602) 635-8863
Marital: Married TZ: Mountain
Edu: High School
Homeowner Single Family Built 2005 Purchased 2011
MP

Terry R Ridgway

Age 85
·
3249 S Barney Ln, Safford, AZ 85546 (Graham County)
32.8001, -109.6650
Marital: Single TZ: Mountain
Edu: High School
Single Family
MP

Terry L Ridgway

Age 60 Female
·
24477 Lodge Way, Sonora, CA 95370 (Tuolumne County)
38.0664, -120.2740
· (209) 586-9567
Marital: Married TZ: Pacific
Homeowner Single Family Built 1956 Purchased 2013
MP

Terry Ridgway

·
1906 Wilson Ct, Antioch, CA 94509 (Contra Costa County)
38.0034, -121.7640
TZ: Pacific
Homeowner Single Family Built 2005 Purchased 2008
MP

Terry L Ridgway

Age 67 Male
·
453 Stockholm St, Asbury, MO 64832 (Barton County)
37.2321, -94.5923
· (417) 540-3370
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Purchased 1992
MP

Terry L Ridgway

Age 70 Male
·
11504 W Tulane Pl, Littleton, CO 80127 (Jefferson County)
39.6330, -105.1270
· (303) 973-1478
Marital: Married TZ: Mountain
Edu: High School
Homeowner Single Family Built 1978 Purchased 1978
MP

Terry R Ridgway

Age 82 Female
·
11113 Visa Rose Dr, Austin, TX 78748 (Travis County)
30.1457, -97.8089
· (512) 467-4023
Marital: Single TZ: Central
Homeowner Single Family Built 2000 Purchased 2004

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

Tony Ridgway

Self-Employed Individuals

$16,034 Paid in Full
Address:
12301 E 400 Rd
Claremore, OK74017-6987
Approved

Apr 26, 2021

Forgiven

$16,111

Jobs Reported

1

Loan #

2373338901

Loan Size

Small

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

Find Terry Ridgway on the map

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Terry Ridgway in Rogers County, OK: Background Summary

Location
12301 E 400 Rd, Rogers County Ok 74017, Rogers County, OK
Other Locations
Sonora, CA ยท Asbury, MO ยท Dunedin, FL and 13 more
Profiles Found
26 people with this name
Phone Numbers
(918) 497-8773 and 18 others on file
Email
tammy@rci-insurance.com and 5 others on file
Possible Relatives
Valerie E King, Aaron D Ridgway, Christopher L Ridgway, Jason Allen Ridgway, Stacey Foreman and 78 more
Career
Quality Engineering Developer at Second Chance, Terry Ridgway
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
7 linked โ€” 2010 Chevrolet Suburban, 2012 Ford Mustang and 5 more
Contributions
$711.33 total โ€” Pittsgrove Democrat Assn, Gillibrand, Kirsten Elizabeth
Licenses
1 professional license (NONRES DESIGNATED HOME STATE ALL LINES ADJUSTER)
PPP Loans
$16,034 for Tony Ridgway

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 Terry Ridgway. Because public records are indexed by name rather than by a unique identifier, the 89 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 Terry Ridgway

Search Complexity: High

89 public records across 13states, belonging to approximately 26 different individuals. With 26 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 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 13 states. Highest concentration: California (13%), followed by Indiana and Arizona. Spans the West and Midwest regions.

CA12recordsIN9recordsAZ9recordsCO6recordsMO5recordsOK4records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (44%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (18) and Vehicle Registration Records (7).

35
Contact & Address Records
18
Political Contribution Records
7
Vehicle Registration Records
7
Business & Corporate Filings
4
Voter Registration Records
3
Corporate Records

Age Distribution

Age range: approximately 36 years, suggesting multiple generations. Largest group: Senior (65+) (83%).

Senior (65+)10peopleMiddle-Age (40-64)2people

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

Frequently Asked Questions About Terry Ridgway

Is Terry Ridgway a registered voter?
Yes, voter registration records show Terry Ridgway is registered in Colorado with DEM affiliation. We found 4 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Terry Ridgway own property?
County assessor records show 2 properties associated with Terry Ridgway . 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 Terry Ridgway?
Records show 7 vehicle registrations associated with Terry Ridgway, including a 2010 Chevrolet Suburban. Registered makes include Chevrolet, Ford, Gmc, Cadillac. 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 Terry Ridgway?
We found 7 business affiliations for Terry Ridgway (Quality Engineering Developer). Other companies include TERRY RIDGWAY, Terry Ridgway. Business records are compiled from state registries, SEC filings, and professional databases.
Has Terry Ridgway made political donations?
FEC disclosure records show 18 reported political contributions from Terry Ridgway, totaling $711. Recipients include Gillibrand, Kirsten Elizabeth and Pittsgrove Democrat Assn. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Terry Ridgway?
Our database contains 89 total records for Terry Ridgway spanning 13 states. This includes 26 distinct contact records, 16 with phone numbers, 5 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 Terry Ridgway?
The 89 records displayed for Terry Ridgway 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 Terry Ridgway 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.