OpenDataUSA

Quick Navigation

Ms Vickie Rae Joyce from Windcrest, TX

Age 69 b. 4/12/1957
📍 6007 Windbluff Dr, #windcrest, TX 78239-2130
✉️ vkcat200@mailcity.com, vickiecat2000@yahoo.com, vkcat@mailcity.com, vkcat200@swbell.net, vkcat200@hotmail.com, vkcat@swbell.net, vickiecat2000@aol.com, vkcat@uswest.net, vickiecat@aol.com, vkcat200@uswest.net, vkcat40@yahoo.com, vkcat@hotmail.com, vkcat2_of_ct@lycos.com, biahu392@sohu.com, vickiecat@yahoo.com
👨‍👩‍👧 Relatives: Aaron A Willcox,Abigail R Willcox,Amanda A Willcox,Amber Lynn Anderson,Clifford W Julian Jr,Joyce Lee,Leeroy H Joyce,Lynda M Julian,Marie C Joyce,Richard Wesley Willcox,Rose Julian,Sindi Lou Morgan,Tammy I Julian,Timothy Wal Julian,V Julian,Vickie R Joyce,Vickie R Julian,Wesley A Julian,Amanda M Macdonald,Bercha T Anderson Jr,Betty J Blanchette,Brian M Honaker,Brian E Morgan,Carol Marie Martin,Charlotte L Bell,Courtney D Lee,Darin D Macdonald,Erin E Anderson,Jilayne Kay Robertson,Joanna M Bacon,Joanna M Bacon,Joanna Marie Bacon,Joe Youchoff,Keith Allen Julian,Kimberly A Julian,Lana S Julian,Lou Blanchette Sindi,Matthew J Martin,Melissa A Risinger,Melissa Sue Trolian,Melissa A Willcox,Michael R Blanchette,Ronald L Martin Sr,Sandra Rena Dorsey,Sheri L Anderson,Steven Joseph Julian-Ambrose,Steven Joseph Julian-Ambrose,Thomas Anderson Rd Bercha,Thomas E Wilcox,Trevor Ryan Zitterow
🕐 15 previous addresses

Ms Vickie Lee Joyce from Greenville, MI

Age 66
📍 416 S Clay St, #greenville, MI 48838-2376
✉️ drbjcuts4u@yahoo.com, joyce.vickie@gmail.com
👨‍👩‍👧 Relatives: Robert F Joyce,James P Joyce,Kasha K Gage,Tara S Zornow,Timothy A Payne 4th,David J Gage,Garrett J Gage,Grant Gage,Jason R Zornow,Jordan T Zornow,Justin Michael Zornow,Kris Krishnan,Kurt R Payne,Lauri L Kidston,Mary Jane Joyce,Melissa L Staff,Melissa K Zornow,Milena D Payne,Mitzi L Zornow,Phyllis S Gage,Robert G Delong,William R Zornow Sr,Arnold J Matusz Jr,Billy Wayne Sloan,Brett Arnold Matusz,Clayton S Delong,Darlene K Matusz,Darlene M Wilkinson,Denise T Browne,Dennis W Wyatt,Gregory P Mallory,Jason W Staff,Kristen Rae Podein,Matthew Kyle Matusz,Patrick T Browne,Sara A Matusz,Timothy A Matusz
🕐 15 previous addresses

Vickie Joyce from Paris, KY

Age 62
📍 1845 Clifton Ave, Paris, KY 40361
📞 (859) 988-9830, (859) 293-0722, (859) 351-7683, (859) 988-9830
✉️ gypsy721@peoplepc.com, vickidragon@wmconnect.com, vjoyce5290@aol.com, witchy@earthlink.net, witchy721@earthlink.net
👨‍👩‍👧 Relatives: Danielle Monique Ezell

Ms Vickie D Joyce from Avon, IN

Age 56 b. 10/18/1969
📍 6922 Juliet Dr, #avon, IN 46123-8456
✉️ pdjvdj@juno.com
👨‍👩‍👧 Relatives: Paul R Joyce Jr,Danielle Marie Joyce,Helen L Joyce,Lawrence P Joyce,Michael D Joyce,Teri Lynn Engle,Angela K Joyce,April M Nelson,Arleen K Joyce,Brie Ann Joyce,Brie Ann Joyce,Diana Lee Joyce,Dl Joyce,Holly Elizabeth Vowles,Joseph G Joyce,Kyle M Joyce,Michael David Joyce,Mona R Wurst,Paul R Joyce Sr,Rufus W Engle,Steven M Engle,Tara M Payne,Thelma F Engle,Angela L Lehman,B J Engle,Billy Joe Engle,Carrie L Mcgill,Claire A Brinkman,D Spellman,Denise A Manini,Jennifer L Joyce,John E Spellman,Joshua J Vowles,Leo A Wurst,Lorri A Lehman,Martha E Vowles,Melinda J Karacson,Michael J Vowles,Michael A Wurst,Mitchell L Karacson,Mitchell L Karacson,Nikki J Dunifon,Patrick A Engle,Randy W Lehman,Ryan J Brinkman,Ryan J Payne,Theresa M Karacson,William B Engle,Yun Chic Kim
🕐 10 previous addresses

Vickie Easter Joyce Sr from Eden, NC

Age 68
📍 445 Stratford Rd, #eden, NC 27288-2870
👨‍👩‍👧 Relatives: Nicole Joyce Jaworoski,Billy Wayne Joyce,Christopher Ray Joyce,Donald Ray Joyce Jr,Donald R Joyce,Georgia Sue Joyce,Kennedy C Joyce,Linda C Joyce,Linda C Joyce,Linda C Joyce,Linda Joyce,Lori Ann Easter,Maggie C Easter,Margaret M Joyce,Melissa G Easter,Melissa G Easter,Misty D Joyce,Nadia N Joyce,Stacy P Joyce,Stephanie M Joyce,Vickie Joyce,Billy R Watkins,Evelyn Carol Trujillo,Frank T Jaworoski,John Christian Joyce,Johnny Ray Hall,Melinda Joyce Cardenas,Nga T Jaworoski,Paul F Jaworoski,Stacey S Joyce,Stephen P Easter,Thomas Manley Joyce 3rd,Timothy Larue Gibbs,Todd Shane Joyce,Vera Mae Joyce
🕐 16 previous addresses

Vickie Joyce from Madison, NC

Age 75 b. May 1950 Rockingham Co.
📍 Po Box 146
📞 (253) 639-1484, (276) 963-7577
👤 aka Joyce Vickie Easter

Vickie Joyce from Hot Sulphur Springs, CO

0
📍 23 Po Box, Hot Sulphur Springs, CO 80451
📞 (970) 725-3232
👨‍👩‍👧 Relatives: Thomas D Joyce

Vickie Joyce from Seagrove, NC

Age 68 b. Oct 1957 Randolph Co.
📍 1531 Nc Hwy 705
📞 (336) 873-7514

Vickie Joyce from Westfield, NC

Age 72 b. Apr 1954 Surry Co.
📍 1380 Joyce Mill Rd
📞 (336) 351-2040

Vickie Joyce

📍 1531 Nc Highway 705, Seagrove Nc
📞 (336) 873-7514
✉️ HANNAHJOYCE22@YAHOO.COM

Vickie Joyce from Boca Raton, FL

Female
📍 5650 Pacific Blvd Apt 1102
📞 (561) 876-4980 (SPRINT)

Vickie Joyce from Johnson City, TN

Age 57 b. Dec 1968 Washington Co.
📍 267 Cedar Vly Bl

Vickie Joyce from Colorado Springs, CO

Age 68 b. Sep 1957 El Paso Co.
📍 1206 Pando Ave

Vickie Joyce from Cincinnati, OH

Age 57 b. Dec 1968 Clermont Co.
📍 38 Carriage Station Dr

Vickie Joyce from Petaluma, CA

Age 74 b. 1952 Female
📍 311 Meacham Rd
📞 (707) 799-9379 (Cell)

Vickie Joyce from Martinsville, VA

0
📍 35 Circle Dr, Martinsville, VA 24112

Vickie Joyce from Brea, CA

Orange Co.
📍 370 Cliffwood Park St
📞 (808) 667-4307

Vickie Joyce from Colorado Springs, CO

Age 69 b. 1957 Female
📍 4425 Melville Dr

Vickie Joyce from Boca Raton, FL

Palm Beach Co.
📍 5650 Pacific Bl 1102

Vickie Joyce from Gray, TN

Washington Co.
📍 267 Cedar Valley Blvd

Vickie Joyce from Fairfax, VA

Fairfax City Co.
📍 5421 Hope Park Rd 372 B

Vickie Joyce from Vincennes, IN

Knox Co.
📍 Rr 1 Po Box 163 A

Vickie Joyce from Columbus, OH

Franklin Co.
📍 2278 Koebel Rd

Vickie Joyce from Colorado Spgs, CO

El Paso Co.
📍 627 Catalina Dr

Vickie Joyce from Lahaina, HI

Maui Co.
📍 5315 Ho No Apiilani L

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 25 contact records for Vickie Joyce across 12 states. The most recent address on file is in Madison, North Carolina. Of these records, 13 include phone numbers and 5 include email addresses. The listed age is 62. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Vickie Joyce

Clarkesville, 305235322
DOB: 1/1/1968 Gender: Female
Congress: 009

vickie M joyce

Republican Reg: 10/06/1984
1380 Joyce Mill Rd, Westfield, NC, 27053
DOB: 1954 Gender: Female
County: Stokes

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Vickie Joyce 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 PONTIAC G5
· Registered to: Vickie Joyce
· VIN: 1G2AL15F377126728
·
1531 Nc Highway 705, Seagrove, NC, 27341
·
(336) 873-7514
2012 Toyota Highlander
· Registered to: Vickie Joyce
· VIN: 5TDDK3EH8CS163699
·
1380 Joyce Mill Rd, Westfield, NC, 27053-8228
·
(336) 351-2040

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 2 vehicle registration records are associated with Vickie Joyce. Registered makes include Pontiac, Toyota. 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.

Vickie Joyce

Healthcare Auditor
U.s. Department Of Justice
Indianapolis, Indiana, United States
LinkedIn

Vickie Joyce

Healthcare Auditor
U.s. Department Of Justice
Indiana
LinkedIn

Komax Systems Inc

Vickie JoyceInformation Technology Application Development
vkcat40@yahoo.com
4425 Melville Dr, Colorado Springs, CO80916

Komax Systems Inc

Vickie JoyceInformation Technology Application Development
vkcat40@yahoo.com
4425 Melville Dr, Colorado Springs, CO80916
komax.com

Vickie Joyce

United States

Komax Systems Inc

Vickie JoyceInformation Technology Application Development
vkcat40@yahoo.com
4425 Melville Dr, Colorado Springs, CO80916

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 8 business affiliations were found for Vickie Joyce. Companies include U.s. Department Of Justice, Komax Systems Inc. Roles listed include Information Technology Application Development. Records are compiled from state business registries, SEC filings, and professional networking databases.

Halikas Bros., INC.

Filed: Oct 17, 1979
Registered Agent: Vickie Joyce

Source: Public Records Vickie Joyce appears in 1 corporate filing from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Vickie Joyce

San Gorgonio High School - San Bernardino, CA, CA
1973

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Vickie Joyce 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.

$50 Jun 23, 2002
2002 REP
Harris, Randall Jay Jr
Joyce, Vickie Avon, IN
$50 Jun 23, 2002
REP
Harris, Randall Jay Jr
Contributor Avon, IN

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 2 political contribution records found for Vickie Joyce. Total disclosed contributions amount to $100. Recipients include Harris, Randall Jay Jr. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Vickie S Joyce

Female
·
PO Box 129, Catlett, VA 20119 (Fauquier County)
38.6456, -77.6353
· (540) 455-0669
Marital: Single TZ: Eastern
Homeowner Single Family
MP

Vickie Joyce

Age 54 Female
·
168 Babs Ln, Fenton, MO 63026 (Saint Louis County)
38.4787, -90.4357
· (636) 484-3733
Marital: Single TZ: Central
Single Family
MP

Vickie Joyce

Female
·
8136 Washington St, Denver, CO 80229 (Adams County)
39.8429, -104.9780
TZ: Mountain
Homeowner Multi-Family Built 1982 Purchased 2014
MP

Vickie L Joyce

Age 63 Female
·
2919 S Shore Dr, Crystal, MI 48818 (Montcalm County)
43.2570, -84.9241
Marital: Married TZ: Eastern
Occ: Healthcare Edu: Some College
Single Family
MP

Vickie G Joyce

Age 63 Female
·
6136 Pawnee Dr, Lynchburg, VA 24502 (Lynchburg City County)
37.3783, -79.2022
· (434) 239-1900
Marital: Married TZ: Eastern
Occ: Service Industry Edu: Graduate School
Homeowner Single Family Built 1979 Purchased 1989
MP

Vickie Joyce

Age 60 Female
·
4425 Melville Dr, Colorado Spgs, CO 80916 (El Paso County)
38.7923, -104.7450
Marital: Married TZ: Mountain
Homeowner Single Family
MP

Vickie Joyce

Age 58 Female
·
PO Box 1694, Cedar Bluff, VA 24609 (Tazewell County)
37.0824, -81.7772
Marital: Married TZ: Eastern
Homeowner Single Family
MP

Vickie D Joyce

Age 47 Female
·
6922 Juliet Dr, Avon, IN 46123 (Hendricks County)
39.7729, -86.4014
· (317) 272-0725
Marital: Married TZ: Eastern
Occ: White Collar Edu: Some College
Homeowner Single Family Built 1991
MP

Vickie Joyce

Age 61 Female
·
31708 Sailors Cv, Avon Lake, OH 44012 (Lorain County)
41.4962, -81.9696
· (440) 933-9209
Marital: Married TZ: Eastern
Homeowner Single Family
MP

Vickie S Joyce

Age 64 Female
·
311 Meacham Rd, Petaluma, CA 94952 (Sonoma County)
38.2939, -122.7440
Marital: Married TZ: Pacific
Occ: Management Edu: Some College
Homeowner Single Family Built 1962 Purchased 1987
MP

Vickie Joyce

Age 58 Female
·
2259 Zion Rd, Columbia, TN 38401 (Maury County)
35.6029, -87.1430
· (931) 381-5309
TZ: Central
Homeowner Single Family Built 2006 Purchased 2000
MP

Vickie M Joyce

Age 63 Female
·
1380 Joyce Mill Rd, Westfield, NC 27053 (Surry County)
36.5231, -80.3889
· (336) 351-2040
Marital: Single TZ: Eastern
Homeowner Single Family Built 1965
MP

Vickie Joyce

Female
·
6007 Windbluff Dr, San Antonio, TX 78239 (Bexar County)
29.5221, -98.3705
TZ: Central
Single Family
MP

Vickie D Joyce

Age 58 Female
·
1711 5th St, Richlands, VA 24641 (Tazewell County)
37.0985, -81.7982
· (276) 964-4424
Marital: Married TZ: Eastern
Homeowner Single Family Built 1924
MP

Vickie Joyce

Female
·
5368 Stony Point Rd, Santa Rosa, CA 95407 (Sonoma County)
38.3541, -122.7410
TZ: Pacific
Single Family
MP

Vickie H Joyce

Age 59 Female
·
1531 Nc Highway 705, Seagrove, NC 27341 (Randolph County)
35.4922, -79.7038
· (336) 873-7514
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1940 Purchased 1982
MP

Vickie Joyce

Female
·
445 Stratford Rd, Eden, NC 27288 (Rockingham County)
36.5380, -79.7342
TZ: Eastern
Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 17 demographic profiles associated with Vickie Joyce. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find Vickie Joyce 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
6
10
2
1
4
1
2
1
10
3
3
2
8

Found 53 results across 13 states

Fewer
More

Vickie Joyce in TX: Background Summary

Location
6007 Windbluff Dr Windcrest, TX 78239-2130
Other Locations
Madison, NC · Seagrove, NC · Westfield, NC and 12 more
Profiles Found
25 people with this name
Phone Numbers
(254) 709-7687 and 19 others on file
Email
vkcat200@mailcity.com and 23 others on file
Possible Relatives
Aaron A Willcox, Abigail R Willcox, Amanda A Willcox, Amber Lynn Anderson, Clifford W Julian JR and 161 more
Career
Information Technology Application Development at U.s. Department Of Justice, Komax Systems Inc
Voter Registration
Registered Republican
Vehicles
2 linked — 2007 Pontiac G5, 2012 Toyota Highlander
Contributions
$100 total — Harris, Randall Jay Jr

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 Vickie Joyce. Because public records are indexed by name rather than by a unique identifier, the 61 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

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.

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 Vickie Joyce

Search Complexity: High

61 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: Colorado (16%), followed by North Carolina and Virginia. Spans the South and West regions.

CO10recordsNC10recordsVA8recordsCA6recordsIN4recordsOH3records

Record Type Breakdown

Data spans 6 record categories. Largest: Contact & Address Records (65%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (8) and Voter Registration Records (2).

28
Contact & Address Records
8
Business & Corporate Filings
2
Voter Registration Records
2
Vehicle Registration Records
2
Political Contribution Records
1
Corporate Records

Age Distribution

Age range: approximately 19 years. Largest group: Senior (65+) (50%).

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

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

Frequently Asked Questions About Vickie Joyce

Is Vickie Joyce a registered voter?
Yes, voter registration records show Vickie Joyce is registered. We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
What vehicles are registered to Vickie Joyce?
Records show 2 vehicle registrations associated with Vickie Joyce, including a 2007 PONTIAC G5. Registered makes include Pontiac, Toyota. 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 Vickie Joyce?
We found 8 business affiliations for Vickie Joyce, including u.s. department of justice. Other companies include Komax Systems Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Vickie Joyce made political donations?
FEC disclosure records show 2 reported political contributions from Vickie Joyce, totaling $100. Recipients include Harris, Randall Jay Jr. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Vickie Joyce?
Our database contains 61 total records for Vickie Joyce spanning 13 states. This includes 25 distinct contact records, 13 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 Vickie Joyce?
The 61 records displayed for Vickie Joyce 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 Vickie Joyce 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.