Thomas Fogleman from Lake Worth, FL

Age 57
๐Ÿ“ 2937 Via Palma, Lake Worth, FL 33461
๐Ÿ“ž (561) 968-9513, (561) 964-7621, (561) 968-9513, (561) 965-0769
โœ‰๏ธ garmane@aol.com
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Bonnie S Fogleman,Dorothy K Fogleman,Tricia Anne Fogleman,Tom Fogleman,Michael Fogleman

Thomas Fogleman from Snyder, TX

Age 62
๐Ÿ“ 2202 42nd St, Snyder, TX 79549
๐Ÿ“ž (325) 574-8018, (915) 573-3066, (325) 574-8018
โœ‰๏ธ tfogle@snyder.esc14.net
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Kem Elane Fogleman,Lynn Michelle Fogleman

Thomas Fogleman from Coconut Creek, FL

Age 35
๐Ÿ“ 901 45th Ave, Coconut Creek, FL 33066
๐Ÿ“ž (410) 658-9835, (954) 784-7947, (954) 796-8475, (954) 822-2475, (954) 968-8246, (954) 970-4952, (336) 384-1253
๐Ÿช Ashe County Painting, Exceptional Home Services Inc, Twisted Creations Inc

Thomas Fogleman from Grassy Creek, NC

Age 35
๐Ÿ“ 1460 Claude Dickson Rd, Grassy Creek, NC 28631
๐Ÿ“ž (954) 972-1480, (336) 384-1253, (954) 575-2247, (954) 609-1314, (954) 972-1480, (954) 784-7947, (954) 822-2475, (954) 968-8246, (954) 978-2031
๐Ÿช Exceptional Home Services Inc, Fogleman Painting

Thomas Fogleman

Age 79 b. 1947-05-18
๐Ÿ“ 8130 Friendship Ledford Rd, Winston Salem Nc
๐Ÿ“ž (336) 201-2379, (336) 201-2379
โœ‰๏ธ DEBFOGLEMAN@GMAIL.COM

Thomas Fogleman from Lake Worth, FL

Male
๐Ÿ“ 2937 Via Palma
๐Ÿ“ž (561) 945-3923 (SPRINT), (561) 307-3498

Thomas Fogleman

๐Ÿ“ 4190 Royal Palm Ave, Cocoa Fl
๐Ÿ“ž (321) 261-1124, (321) 327-2795
โœ‰๏ธ TPHOTOS1@AOL.COM

Thomas Fogleman from Liberty, NC

Age 62 b. Oct 1963 Randolph Co.
๐Ÿ“ 8865 Cocoa Rd
๐Ÿ“ž (336) 376-3017

Thomas Fogleman from Owings Mills, MD

Age 76 b. May 1950 Baltimore Co.
๐Ÿ“ 9107th Istledown Rd 368
๐Ÿ“ž (407) 438-4678

Thomas Fogleman from Snow Camp, NC

Age 81 b. Jul 1945 Alamance Co.
๐Ÿ“ 8238 Coble Mill Rd R
๐Ÿ“ž (206) 933-6475

Thomas Fogleman from Carmel, IN

Age 87 b. Sep 1938 Hamilton Co.
๐Ÿ“ 1117 Haverstick Rd

Thomas Fogleman from Greensboro, NC

Age 65 b. Jan 1961 Guilford Co.
๐Ÿ“ 5855 Old Oak Rdg 3302

Thomas Fogleman from Cocoa, FL

Age 76 b. Jan 1950
๐Ÿ“ 4190 Royal Palm Ave
๐Ÿ‘ค aka Thomas Edward Fogleman, Thomas E Fogelmans, Thomas Edward Fogelman

Thomas Fogleman from Deerfield Beach, FL

Age 76 b. Jan 1950 Broward Co.
๐Ÿ“ 1959 Se 3 Rd St D

Thomas Fogleman from Durham, NC

Age 108 b. Feb 1918 Durham Co.
๐Ÿ“ 1618 Camden Ave

Thomas Fogleman from Graham, NC

Age 86 b. Sep 1939 Alamance Co.
๐Ÿ“ 42 Jennifer Dr

Thomas Fogleman from Raleigh, NC

Age 69 b. Jun 1957 Wake Co.
๐Ÿ“ 3115 Morningside Dr

Thomas Fogleman from Charlotte, NC

Age 111 b. Jun 1915 Mecklenburg Co.
๐Ÿ“ 333 Hawthorne Ln 320 B

Thomas Fogleman from Snyder, TX

Age 74 b. Oct 1951 Scurry Co.
๐Ÿ“ 1505 39th St

Thomas Fogleman from Rising Sun, MD

Age 47 b. Oct 1978 Cecil Co.
๐Ÿ“ 315 Maple Heights Ln

Thomas Fogleman from Lake Worth, FL

Age 69 b. Sep 1956 Palm Beach Co.
๐Ÿ“ 2510 10th Ave N 101 F

Thomas Fogleman from Carmel, IN

Hamilton Co.
๐Ÿ“ 11117 Haverstick Rd
๐Ÿ“ž (317) 582-0907

Thomas Fogleman from Elon College, NC

Alamance Co.
๐Ÿ“ 311 Courtland Dr

Thomas Fogleman from Coconut Creek, FL

Broward Co.
๐Ÿ“ 4201 Nw 10th St

Thomas Fogleman from Rising Sun, MD

Cecil Co.
๐Ÿ“ 315 Maple Height Ln

Thomas Fogleman from Coral Springs, FL

Broward Co.
๐Ÿ“ 10701 Royal Palm Bl 2

Thomas Fogleman from Cocoa Beach, FL

๐Ÿ“ 1155 S Atlantic Ave Apt 203

Thomas Fogleman from Crumpler, NC

Ashe Co.
๐Ÿ“ 1548 Hudler Town Rd

Thomas Fogleman from Burke, VA

Fairfax Co.
๐Ÿ“ 6110 Old Landing Way

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 29 contact records for Thomas Fogleman across 6 states. The most recent address on file is in Lake Worth, Florida. Of these records, 11 include phone numbers and 4 include email addresses. Ages range from 35 to 62, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Fogleman Thomas S &

Palm Beach County
PIN: 00424413280000150
· 2937 Via Palma, Lake Worth 33461
Value: $110,229

Fogleman Thomas S

Palm-beach County
· 2937 Via Palma, Lake-Worth 33461.0
Built: 1978.0
Assessed: $203,721

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

Thomas S Fogleman

2937 Via Palma, Lake Worth, , 33461

thomas DEAN fogleman

Republican Reg: 09/20/1996
8865 Cocoa Rd, Liberty, NC, 27298
DOB: 1962 Gender: Male
County: Alamance

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for Thomas Fogleman in , North Carolina. Party affiliation is listed as REP. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2007 CHEVROLET TAHOE K1500
ยท Registered to: Thomas Fogleman
ยท VIN: 1GNFK13057R283823
·
1899 Reserve Blvd Apt 117, Gulf Breeze, FL, 32563-7019
·
(850) 934-4426
2009 FORD ESCAPE MINI SPORT UTILITY
ยท Registered to: Thomas Fogleman
ยท VIN: 1FMCU037X9KA92175
·
3503 Houston Ave, Snyder, TX, 79549
·
(325) 574-8018
2004 Honda Accord
ยท Registered to: Thomas Fogleman
ยท VIN: 1HGCM56424A069962
·
2937 Via Palma, Lake Worth, FL, 33461
·
(561) 719-0324
2008 DODGE CHARGER
ยท Registered to: Thomas Fogleman
ยท VIN: 2B3LA53H28H120710
·
217 Meehan Ave NW, Palm Bay, FL, 32907
1983 CHEVROLET MONTE CARLO COUPE
ยท Registered to: Thomas Fogleman
ยท VIN: 1G1AZ37HXDR133639
·
3345 Pond Rd Lot 12, Burlington, NC, 27215
2000 JEEP GRAND CHEROKEE WAGON
ยท Registered to: Thomas Fogleman
ยท VIN: 1J4G258S7YC363220
·
901 NW 45th Ave, Coconut Creek, FL, 33066
2005 DODGE RAM 3500 PICKUP
ยท Registered to: Thomas Fogleman
ยท VIN: 3D7MS48C45G803937
·
8865 Cocoa Rd, Liberty, NC, 27298
·
(336) 376-3017
ยท Registered to: Thomas Fogleman
ยท VIN: 5E7GP20296R000690
·
8865 Cocoa Rd, Liberty, NC, 27298
·
(336) 376-3017
2001 FORD ECONOLINE VAN VAN
ยท Registered to: Thomas Fogleman
ยท VIN: 1FTSS34F91HA63930
·
901 NW 45th Ave, Coconut Creek, FL, 33066
1992 DODGE W150 PICKUP
ยท Registered to: Thomas Fogleman
ยท VIN: 1B7HM16Y2NS504197
·
10209 Nc Highway 49 S, Liberty, NC, 27298
2006 Ford F-150
ยท Registered to: Thomas Fogleman
ยท VIN: 1FTPX12V16FB66610
·
2937 Via Palma, Lake Worth, FL, 33461
·
(561) 307-3498

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 11 vehicle registration records are associated with Thomas Fogleman. Registered makes include Chevrolet, Ford, Honda, Dodge and others. The most recent model year on record is 2009. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Stanfield El

Public School Principal
tfogleman@snyderisd.net
Snyder,

Fogleman Painting

Owner
(954) 972-1480
Pompano Beach, FL
Construction - Special Trade Contractors (Construction)

Professional Paint Services

President
(561) 383-2957
Lake Worth, FL
Automotive Services, Parking and Repair (Automotive)

Fraternal Order of Eagles Aeire 1285

Thomas FoglemanTrustee
Dayton, KY

Thomas Fogleman

Electro Optical Components Inc

Thomas FoglemanLegal Secretaries
(704) 718-1411tfogleman@eoc-inc.com
8865 Cocoa Rd, Liberty, NC27298

Seegmiller, Clark

Thomas FoglemanCoo
(704) 718-1411tfogleman@hotmail.com
8865 Cocoa Rd, Liberty, NC27298
seegmillerlawfirm.com

Thomas Fogleman

Public School Principal at Snyder

Arearugoutlet.com

Thomas FoglemanPrinciple
thomas.fogleman@aol.com
1216 Oakwater Dr, Royal Palm Beach, FL33411

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 14 business affiliations were found for Thomas Fogleman. Companies include Fogleman Painting, Professional Paint Services, Electro Optical Components Inc and 1 more. Roles listed include Public School Principal and Trustee. Records are compiled from state business registries, SEC filings, and professional networking databases.

Thomas Fogleman

Lake Worth Community High School - Lake Worth, FL, FL
1973

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Thomas Fogleman 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 Apr 24, 1998
1998 REP
Teague, W B (junior)
Fogleman, Thomas H Retired @ Farmer & Sawmill Operator Libety, NC
$500 Apr 24, 1998
REP
Teague, W B (junior)
Contributor Retired @ Farmer & Sawmill Operator Libety, NC

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 2 political contribution records found for Thomas Fogleman. Total disclosed contributions amount to $1,000. Recipients include Teague, W B (junior). Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Thomas Fogleman

Male
·
534 Shoreline Dr, New London, NC 28127 (Stanly County)
35.5071, -80.1040
TZ: Eastern
Single Family
MP

Thomas E Fogleman

Age 67 Male
·
1248 White Oak Cir, Melbourne, FL 32934 (Brevard County)
28.1272, -80.6929
Marital: Single TZ: Eastern
Single Family
MP

Thomas Fogleman

Male
·
217 Meehan Ave NW, Palm Bay, FL 32907 (Brevard County)
28.0044, -80.6761
TZ: Eastern
Single Family
MP

Thomas W Fogleman

Age 59 Male
·
13929 Winding Ridge Ln, Centreville, VA 20121 (Fairfax County)
38.8250, -77.4289
· (703) 968-3360
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family
MP

Thomas S Fogleman

Age 60 Male
·
2937 Via Palma, Lake Worth, FL 33461 (Palm Beach County)
26.6338, -80.1107
· (561) 307-3498
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1978 Purchased 2016
MP

Thomas J Fogleman

Age 70 Male
·
8130 Friendship Ledford Rd, Winston Salem, NC 27107 (Forsyth County)
36.0242, -80.2137
· (336) 201-2379
Marital: Inferred Married TZ: Eastern
Occ: Management Edu: Some College
Single Family
MP

Thomas Fogleman

Male
·
3208 Pike Farm Rd, Staley, NC 27355 (Randolph County)
35.8233, -79.5472
TZ: Eastern
Single Family
MP

Thomas M Fogleman

Age 60 Male
·
3605 Rock Creek Dr, Raleigh, NC 27609 (Wake County)
35.8304, -78.6373
Marital: Inferred Married TZ: Eastern
Occ: Management Edu: Graduate School
Single Family
MP

Thomas R Fogleman

Age 65 Male
·
PO Box 134, Throckmorton, TX 76483 (Throckmorton County)
33.1772, -99.1824
Marital: Married TZ: Central
Edu: Graduate School
Single Family
MP

Thomas Fogleman

Age 55 Male
·
8865 Cocoa Rd, Liberty, NC 27298 (Randolph County)
35.8545, -79.4644
· (336) 376-3017
TZ: Eastern
Homeowner Single Family Built 2005
MP

Thomas D Fogleman

Age 72 Male
·
8238 Coble Mill Rd, Snow Camp, NC 27349 (Alamance County)
35.8899, -79.4824
· (336) 376-3004
Marital: Inferred Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1972 Purchased 1968

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

Thomas D Fogleman

$16,839 Paid in Full
Address:
8865 Cocoa Rd
Approved

Jan 28, 2021

Forgiven

$16,926

Loan #

7419608310

Loan Size

Small

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

Find Thomas Fogleman 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
30
2
1
3
22
4
2

Thomas Fogleman in Lake Worth, FL: Background Summary

Location
2937 Via Palma,Lake Worth, FL 33461, Lake Worth, FL
Other Locations
Lake Worth, FL ยท Liberty, NC ยท Owings Mills, MD and 17 more
Profiles Found
29 people with this name
Phone Numbers
(561) 968-9513 and 12 others on file
Email
garmane@aol.com and 3 others on file
Possible Relatives
Bonnie S Fogleman, Dorothy K Fogleman, Tricia Anne Fogleman, Tom Fogleman, Michael Fogleman and 11 more
Career
Public School Principal, Trustee at Fogleman Painting, Professional Paint Services
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
11 linked โ€” 2007 Chevrolet Tahoe K1500, 2009 Ford Escape and 9 more
Contributions
$1,000 total โ€” Teague, W B (junior)
PPP Loans
$33,678 for Thomas D Fogleman, Thomas D Fogleman

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 Thomas Fogleman. Because public records are indexed by name rather than by a unique identifier, the 81 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 Thomas Fogleman

Search Complexity: High

81 public records across 7states, belonging to approximately 29 different individuals. With 29 distinct profiles across 7 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Property Ownership Records section may be most helpful for disambiguation because these records list property addresses and co-owners, which can help distinguish between individuals.

Geographic Distribution

Records are widely distributed across 7 states. Highest concentration: Florida (37%), followed by North Carolina and Texas. Spans the South and Midwest regions.

FL30recordsNC22recordsTX4recordsMD3recordsVA2recordsIN2records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (52%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (14) and Vehicle Registration Records (11).

36
Contact & Address Records
14
Business & Corporate Filings
11
Vehicle Registration Records
2
Property Ownership Records
2
Voter Registration Records
2
Political Contribution Records

Age Distribution

Age range: approximately 76 years, suggesting multiple generations. Largest group: Senior (65+) (69%).

Senior (65+)11peopleMiddle-Age (40-64)4peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About Thomas Fogleman

Is Thomas Fogleman a registered voter?
Yes, voter registration records show Thomas Fogleman is registered in . We found 2 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Thomas Fogleman own property?
County assessor records show 2 properties associated with Thomas Fogleman . 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 Thomas Fogleman?
Records show 11 vehicle registrations associated with Thomas Fogleman, including a 2007 CHEVROLET TAHOE K1500. Registered makes include Chevrolet, Ford, Honda, Dodge. 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 Thomas Fogleman?
We found 14 business affiliations for Thomas Fogleman (Public School Principal). Other companies include Professional Paint Services, Electro Optical Components Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Thomas Fogleman made political donations?
FEC disclosure records show 2 reported political contributions from Thomas Fogleman, totaling $1,000. Recipients include Teague, W B (junior). Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Thomas Fogleman?
Our database contains 81 total records for Thomas Fogleman spanning 7 states. This includes 29 distinct contact records, 11 with phone numbers, 4 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 Thomas Fogleman?
The 81 records displayed for Thomas Fogleman 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 Thomas Fogleman 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.