Tracy Spaeth from Tomahawk, WI

Age 66 b. Feb 1960 Lincoln Co.
๐Ÿ“ 10146 Ernst Rd
๐Ÿ“ž (803) 732-5441, (715) 453-9720, (715) 612-9720
๐Ÿ‘ค aka Tracy J Abitz

Tracy Spaeth from Greenacres, FL

Age 55 b. Mar 1971 Palm Beach Co.
๐Ÿ“ 702 Sunny Pine Way Apt B2
๐Ÿ“ž (561) 641-5255

Tracy Spaeth from Lubbock, TX

Age 47
๐Ÿ“ 15413 County Road 1850 #770, Lubbock, TX 79424
๐Ÿ“ž (806) 863-3457, (806) 863-3839, (806) 798-3274, (806) 863-3457, (806) 863-3839, (806) 791-4426
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Cindy Morello Spaeth,Cynthia Bedont Spaeth
๐Ÿช Uncommon Holdings Mgmt Llc, Uncommon Holdings Mgmt, Llc

Tracy Spaeth

๐Ÿ“ 608 Milam, Fredericksburg Tx 78624
๐Ÿ“ž (806) 543-0597, (806) 535-8044
โœ‰๏ธ TRACYSPAETH@GMAIL.COM

Tracy Spaeth

๐Ÿ“ 608 N Milam St, Fredericksbrg Tx
๐Ÿ“ž (806) 543-0597, (806) 535-8044
โœ‰๏ธ TRACYSPAETH@GMAIL.COM

Tracy Spaeth from Eudora, KS

Age 51 b. 1975 Female
๐Ÿ“ 1433 Arrowwood Dr
๐Ÿ“ž (785) 220-9538 (Cell)
โœ‰๏ธ tmspaeth@yahoo.com

Tracy Spaeth from Eudora, KS

Age 49 b. 1977 Douglas Co.
๐Ÿ“ 1433 Arrowood Dr
๐Ÿ“ž (785) 272-0609

Tracy Spaeth from Lubbock, TX

Age 59 b. Feb 1967 Lubbock Co.
๐Ÿ“ 15413 County Road 1850
๐Ÿ“ž (806) 863-3457

Tracy Spaeth from West Bend, WI

Age 54 b. Mar 1972 Washington Co.
๐Ÿ“ 245 Dove Cir
๐Ÿ“ž (262) 675-0223

Tracy Spaeth from Fargo, ND

Age 59 b. Oct 1966 Cass Co.
๐Ÿ“ 1900 21st Ave S
๐Ÿ“ž (701) 239-6141
๐Ÿ‘ค aka Tracy K Koski

Tracy Spaeth from Two Rivers, WI

Age 52 b. Nov 1973 Manitowoc Co.
๐Ÿ“ 2322 38th St
๐Ÿ“ž (920) 553-1031

Tracy Spaeth

๐Ÿ“ 20245 14th, Hawley Mn 56549
๐Ÿ“ž (218) 790-1159, (218) 790-1159
โœ‰๏ธ TSPAETH89@GMAIL.COM

Tracy Spaeth

๐Ÿ“ 20245 14th Ave S, Hawley Mn
๐Ÿ“ž (218) 790-1159, (218) 790-1159
โœ‰๏ธ TSPAETH89@GMAIL.COM

Tracy Spaeth from Hawley, MN

Age 60 b. 1966 Female
๐Ÿ“ Po Box 862
๐Ÿ“ž (218) 483-4574

Tracy Spaeth from West Bend, WI

Age 49 b. Jul 1976 Washington Co.
๐Ÿ“ 1503 W Washington St

Tracy Spaeth from Antioch, TN

Age 60 b. Sep 1965 Davidson Co.
๐Ÿ“ 1416 Arbor Cres Bl

Tracy Spaeth from Milano, TX

0
๐Ÿ“ 384 Po Box, Milano, TX 76556

Tracy Spaeth from Penfield, NY

Monroe Co.
๐Ÿ“ 123 Syddlers
๐Ÿ“ž (716) 377-6384

Tracy Spaeth from Lubbock, TX

Lubbock Co.
๐Ÿ“ 3811 63 Rd Dr

Tracy Spaeth from West Palm Bch, FL

Palm Beach Co.
๐Ÿ“ 5926 Ceylon Ct Apt 5

Tracy Spaeth from Tomahawk, WI

Lincoln Co.
๐Ÿ“ N 11296 County Rd A U

Tracy Spaeth from Penfield, NY

Monroe Co.
๐Ÿ“ 123 Fiddlers Ho

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 23 contact records for Tracy Spaeth across 8 states. The most recent address on file is in Tomahawk, Wisconsin. Of these records, 16 include phone numbers and 6 include email addresses. The listed age is 47. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Spaeth Tracy & Cindy

Lubbock County
· 3801 110th St, Lubbock
Built: 2009.0
Sale: $63,000 (1254355200000.0)

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 1 property record linked to Tracy Spaeth in Lubbock. Values shown are from county assessor records and may differ from current market prices.

Tracy M Spaeth

Gender: F

Tracy E Spaeth

Republican
123 Fiddlers Hollow, 9, 14526
DOB: 19521102 Gender: Female

Tracy E Spaeth

Republican
5374 Cdga-Farm Townline Rd, 0, 14425
DOB: 19521102 Gender: Female

Tracy L Spaeth

Reg: 11/10/2007
22809 53rd Ave, Mountlake Terrace, WA, 98043
DOB: 12/02/1974 Gender: Female
County: SN

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 4 voter registration records were found for Tracy Spaeth in Washington. Party affiliation is listed as REP. 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 Ford F-150
ยท Registered to: Tracy Spaeth
ยท VIN: 1FTFW1EV5AFB16215
·
3801 110th St, Lubbock, TX, 79423-0892
·
(806) 535-8044
2006 Toyota Tundra
ยท Registered to: Tracy Spaeth
ยท VIN: 5TBDT48136S524321
·
2118 Chestnut Oak Cir, College Station, TX, 77845-4168
1994 MITSUBISHI GALANT 4DR SEDAN
ยท Registered to: Tracy Spaeth
ยท VIN: 4A3AJ56G0RE007711
·
632 Sherwood Dr, Maryville, TN, 37801

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with Tracy Spaeth. Registered makes include Ford, Toyota, Mitsubishi. The most recent model year on record is 2010. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Froedtert and Community Health

Clinical Application Analyst
+14148053000tspaeth@froedterthealth.org
Milwaukee,

Uncommon Wealth Management LLP

Principal
(806) 794-7700
Lubbock, TX
Insurance Brokers, Agents and Services (Insurance)

Uncommon Holdings MGT LLC

Principal
(806) 863-3457
Lubbock, TX
Holding and Other Investment Offices (Offices)

Uncommon Financial Svc

President
(806) 794-7700
Lubbock, TX
Insurance Brokers, Agents and Services (Insurance)

Tracy Spaeth

Clinical Application Analyst
Froedtert Hospital
Wisconsin

Insulating Services Inc

Tracy SpaethOwner
tyster71@yahoo.com
702 Sunny Pine Way Apartment B-2, West Palm Beach, FL33415
insulatingservices.com

Tracy Spaeth

ERP Manager at Partners Advant

Insulating Services Inc

Tracy SpaethOwner
tyster71@yahoo.com
702 Sunny Pine Way Apartment B-2, West Palm Beach, FL33415

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 12 business affiliations were found for Tracy Spaeth. Companies include Uncommon Wealth Management LLP, Uncommon Holdings MGT LLC, Uncommon Financial Svc and 1 more. Roles listed include Clinical Application Analyst and Owner. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: 8002 Abbeville Ave Ste A, Lubbock, TX, 79424
TX
PRESIDENT: Tracy Spaeth

Uncommon Holdings Mgmt, LLC

Addr: 15413 Cr 1850, Lubbock, TX, 79424
TX
MEMBER: Tracy Spaeth

Unknown Corporation

Addr: 8002 Abbeville, Lubbock, TX, 79424
TX
Officer: Tracy Spaeth

Uncommon Grazing & Cattle, LLC

ID: 0800095712
Addr: 8002 Abbeville Ave Ste A, Lubbock, TX, 79424
TX
DIRECTOR: Tracy Spaeth

Hub City Fund, LLC

ID: 0801751174
Addr: 3801 110th Street, Lubbock, TX, 79423
TX
MEMBER: Tracy Spaeth

Uncommon Grazing & Cattle, LLC

ID: 0800095712
Addr: 8002 Abbeville Ave Ste A, Lubbock, TX, 79424
TX
PRESIDENT: Tracy Spaeth

Uncommon Holdings Mgmt, LLC

ID: 0800231694
Addr: 15413 Cr 1850, Lubbock, TX, 79424
TX
MEMBER: Tracy Spaeth

Uncommon Farms, L.P.

ID: 0800095715
Addr: 8002 Abbeville, Lubbock, TX, 79424
TX
General Partner: Tracy Spaeth

Uncommon Financial Services, L.c.

ID: 0705890522
Addr: 8002 Abbeville Ave Ste A, Lubbock, TX, 79424
TX
PRESIDENT: Tracy Spaeth

Uncommon Financial Services, L.c.

ID: 0705890522
Addr: 8002 Abbeville Ave Ste A, Lubbock, TX, 79424
TX
DIRECTOR: Tracy Spaeth

Source: Public Records Tracy Spaeth appears in 10 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Tracy Spaeth

NURSE PRACTITIONER
Individual Female
NPI: 1811366925
School: OTHER (2015)
Org: Lawrence Physicians LLC

Source: CMS NPI Registry (NPPES) ยท State Medical Boards ยท Healthcare Provider Databases 1 healthcare provider record found for Tracy Spaeth in the CMS National Provider Identifier registry. NPI registration is required for providers billing Medicare or Medicaid. Listing here does not constitute an endorsement of care quality.

Tracy Spaeth

Mason High School - Mason, MI, MI
1985

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Tracy Spaeth 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.

$200 Oct 20, 2010
2010
Our Country Deserves Better Pac Teapartyexpress.org
Spaeth, Tracy Uncommon Wealth Mgmt @ Self Lubbock, TX
$65 Feb 5, 2018
2018
Republican Party Of Brazos County Cec
Spaeth, Tracy Owner @ Les Energy Solutions College Station, TX
$70 Aug 25, 2010
2010
Our Country Deserves Better Pac Teapartyexpress.org
Spaeth, Tracy Uncommon Wealth Mgmt @ Self Lubbock, TX
$250 Jun 7, 2010
2010
Our Country Deserves Better Pac Teapartyexpress.org
Spaeth, Tracy Uncommon Wealth Mgmt @ Tracy Spaeth Lubbock, TX
$250 Jun 7, 2010
Our Country Deserves Better Pac Teapartyexpress.org
Contributor Uncommon Wealth Mgmt @ Tracy Spaeth Lubbock, TX
$200 Oct 20, 2010
Unknown Committee
Spaeth, Tracy Uncommon Wealth Mgmt @ Self Lubbock, TX
$65
2018
Republican Party Of Brazos County Cec
Contributor Owner @ Les Energy Solutions College Station, TX
$100 20220215
Virdell, Wesley W. (Mr.)
Contributor Real Estate @ Self Brady, TX

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 8 political contribution records found for Tracy Spaeth. Total disclosed contributions amount to $1,200. Recipients include Our Country Deserves Better Pac Teapartyexpress.org, Republican Party Of Brazos County Cec, Virdell, Wesley W. (Mr.). Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Tracy M Spaeth

Age 42 Female
·
1433 Arrowood Dr, Eudora, KS 66025 (Douglas County)
38.9355, -95.0894
Marital: Married TZ: Central
Homeowner Single Family Built 2005 Purchased 2006
MP

Tracy Spaeth

Age 46 Female
·
127 Foothills Village Cir, Maryville, TN 37801 (Blount County)
35.6784, -84.0894
· (561) 641-5255
TZ: Eastern
Single Family
MP

Tracy J Spaeth

Age 50 Female
·
20245 14th Ave S, Hawley, MN 56549 (Clay County)
46.8796, -96.3106
· (218) 483-4325
Marital: Married TZ: Central
Occ: White Collar Edu: Some College
Single Family
MP

Tracy E Spaeth

Age 64 Female
·
629 Steeplechase Rd, Aiken, SC 29803 (Aiken County)
33.4867, -81.7374
· (803) 226-0743
Marital: Married TZ: Eastern
Homeowner Single Family Built 2009
MP

Tracy Spaeth

·
2322 38th St, Two Rivers, WI 54241 (Manitowoc County)
44.1695, -87.5807
TZ: Central
Single Family
MP

Tracy L Spaeth

Age 41 Female
·
245 Dove Cir, West Bend, WI 53090 (Washington County)
43.4406, -88.0494
· (262) 483-1455
Marital: Married TZ: Central
Occ: Service Industry Edu: High School
Homeowner Single Family Purchased 2003
MP

Tracy M Spaeth

Age 50 Male
·
2118 Chestnut Oak Cir, College Sta, TX 77845 (Brazos County)
30.6132, -96.2870
TZ: Central
Homeowner Single Family Built 2014 Purchased 2015

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with Tracy Spaeth. 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 Tracy Spaeth. These loans were issued to businesses, not individuals.

Pierre Waldo

Independent Contractors

$11,707 Paid in Full
Address:
702 Sunny Pine Way
Greenacres, FL33415-8958
Approved

Mar 4, 2021

Forgiven

$11,768

Jobs Reported

1

Loan #

6666008506

Loan Size

Small

Jenny Daceus

Sole Proprietorship

$20,000 Paid in Full
Address:
702 Sunny Pine Way
Greenacres, FL33415-8958
Approved

Mar 16, 2021

Forgiven

$20,058

Jobs Reported

1

Loan #

3099098608

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 2 PPP loan records are linked to businesses associated with Tracy Spaeth. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Tracy Spaeth on the map

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Tracy Spaeth in KS: Background Summary

Location
1433 Arrowood Dr Eudora, KS 66025-7917
Other Locations
Tomahawk, WI ยท Greenacres, FL ยท Eudora, KS and 8 more
Profiles Found
23 people with this name
Phone Numbers
(785) 220-8479 and 16 others on file
Email
tmspaeth@yahoo.com and 4 others on file
Possible Relatives
Scott David Spaeth, Catherine E Clay, Eric L Spaeth, Frances Read Clay, Frances R Clay and 44 more
Career
Clinical Application Analyst, Owner at Uncommon Wealth Management LLP, Uncommon Holdings MGT LLC
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
3 linked โ€” 2010 Ford F-150, 2006 Toyota Tundra and 1 more
Contributions
$1,200 total โ€” Our Country Deserves Better Pac Teapartyexpress.org, Virdell, Wesley W. (Mr.)
Healthcare
Licensed provider โ€” NURSE PRACTITIONER
PPP Loans
$31,707 for Pierre Waldo, Jenny Daceus

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 Tracy Spaeth. Because public records are indexed by name rather than by a unique identifier, the 75 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.

Healthcare Provider Data

Healthcare provider information is sourced from the National Plan and Provider Enumeration System (NPPES), a registry managed by the Centers for Medicare and Medicaid Services (CMS). Every healthcare provider that bills Medicare or Medicaid is required to obtain a National Provider Identifier (NPI), so the presence of an NPI listing confirms that the individual holds recognized healthcare credentials. The specialty, practice address, and taxonomy codes reflect the provider's own attestation at the time of registration or most recent update. An NPI listing does not constitute an endorsement of care quality, nor does it indicate whether the provider is currently accepting new patients.

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 Tracy Spaeth

Search Complexity: High

75 public records across 11states, belonging to approximately 23 different individuals. With 23 distinct profiles across 11 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 11 states. Highest concentration: Texas (33%), followed by Wisconsin and Florida. Spans the South and Midwest regions.

TX25recordsWI11recordsFL6recordsKS4recordsMN3recordsTN2records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (39%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (12) and Corporate Records (10).

26
Contact & Address Records
12
Business & Corporate Filings
10
Corporate Records
8
Political Contribution Records
4
Voter Registration Records
3
Vehicle Registration Records

Age Distribution

Age range: approximately 19 years. Largest group: Senior (65+) (9%).

Senior (65+)1personMiddle-Age (40-64)10people

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

Frequently Asked Questions About Tracy Spaeth

Is Tracy Spaeth a registered voter?
Yes, voter registration records show Tracy Spaeth is registered. We found 4 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Tracy Spaeth own property?
County assessor records show 1 property associated with Tracy Spaeth . 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 Tracy Spaeth?
Records show 3 vehicle registrations associated with Tracy Spaeth, including a 2010 Ford F-150. Registered makes include Ford, Toyota, Mitsubishi. 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 Tracy Spaeth?
We found 12 business affiliations for Tracy Spaeth (Clinical Application Analyst). Other companies include Uncommon Holdings MGT LLC, Uncommon Financial Svc. Business records are compiled from state registries, SEC filings, and professional databases.
Is Tracy Spaeth a healthcare provider?
Yes, the CMS National Provider Identifier registry lists Tracy Spaeth as a registered healthcare provider (NPI: 1811366925). NPI registration is required for all providers billing Medicare or Medicaid. This listing confirms enrollment in the federal healthcare system but does not indicate quality of care.
Has Tracy Spaeth made political donations?
FEC disclosure records show 8 reported political contributions from Tracy Spaeth, totaling $1,200. Recipients include Our Country Deserves Better Pac Teapartyexpress.org and Republican Party Of Brazos County Cec and 1 others. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Tracy Spaeth?
Our database contains 75 total records for Tracy Spaeth spanning 11 states. This includes 23 distinct contact records, 16 with phone numbers, 6 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 Tracy Spaeth?
The 75 records displayed for Tracy Spaeth 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 Tracy Spaeth 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.