William Dern

๐Ÿ“ 15925 Victory Blvd Apt 112, Van Nuys Ca
๐Ÿ“ž (818) 822-6347, (818) 380-0856
โœ‰๏ธ BILLEDERN@AOL.COM, billedern@aol.com

William Dern

Age 76 b. 1950-01-28
๐Ÿ“ 1334 Woodview Dr, Oceanside Ca
๐Ÿ“ž (760) 207-7803, (760) 207-7803
โœ‰๏ธ DERNDDS@PACBELL.NET

William Dern from Toms River, NJ

Age 109
๐Ÿ“ 3 Gorginio Dr, Toms River, NJ 08757
๐Ÿ“ž (914) 244-4875, (727) 791-1356, (727) 791-1336, (213) 650-5369, (213) 656-1417
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Lucille H Hoffman,William O Hoffman,William E Dern,Lucille Derne

William Dern from Plymouth, MA

Age 88
๐Ÿ“ 208 Summer St, Plymouth, MA 02360
๐Ÿ“ž (508) 746-2341, (508) 737-6789, (508) 746-2341
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Barbara J Dern

William Dern from Edgewood, KY

Age 65
๐Ÿ“ 2956 Maple Ln, Edgewood, KY 41017
๐Ÿ“ž (859) 341-8871, (859) 338-1915, (859) 341-8871
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Charlene V Dern,Kevin W Dern,Jr Williamd Dern

William Dern from Fort Collins, CO

Age 51
๐Ÿ“ 1107 Oakmont Ct, Fort Collins, CO 80525
๐Ÿ“ž (970) 223-5341, (970) 223-5341, (970) 493-9176
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Robert R Dern,Deanna Lynne Dern,Deannalynne Dern

William Dern from Plymouth, MA

Age 100 b. Dec 1925 Plymouth Co.
๐Ÿ“ 208 Summer St
๐Ÿ“ž (508) 746-2341

William Dern from Urbana, OH

Age 102 b. Aug 1923 Champaign Co.
๐Ÿ“ 786 Crescent Dr
๐Ÿ“ž (937) 653-6604

William Dern from Edgewood, KY

Age 91
๐Ÿ“ 3426 Meadowlark Dr, Edgewood, KY 41018
๐Ÿ“ž (859) 341-2111, (859) 341-2111
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Velma L Dern,Barry L Dern

William Dern from Van Nuys, CA

Age 78 b. 1948 Male
๐Ÿ“ 15925 Victory Blvd Apt 112
๐Ÿ“ž (818) 380-0856
โœ‰๏ธ billedern@aol.com

William Dern from Oceanside, CA

Age 76 b. Jan 1950 San Diego Co.
๐Ÿ“ 1334 Woodview Dr
๐Ÿ“ž (760) 945-1589
๐Ÿ‘ค aka Dern William M, Dern William Marion

William Dern from Branson, MO

Age 52 b. Sep 1973 Taney Co.
๐Ÿ“ 496 Woodland Dr E
๐Ÿ“ž (781) 963-8606

William Dern from Miami Beach, FL

Age 61 b. Sep 1964 Miami Dade Co.
๐Ÿ“ 1500 Bay Rd Apt 400
๐Ÿ“ž (816) 220-2759

William Dern from Toms River, NJ

Jan 1905 Ocean Co.
๐Ÿ“ 3 Gorginio Dr
๐Ÿ“ž (360) 832-3947

William Dern from Chilton, WI

Age 91 b. Oct 1934 Calumet Co.
๐Ÿ“ 2919 W County Trunk E
๐Ÿ“ž (213) 296-5261

William Dern from Fort Collins, CO

Age 63 b. Oct 1962 Larimer Co.
๐Ÿ“ 1107 Oakmont Ct
๐Ÿ“ž (970) 223-5341

William Dern

๐Ÿ“ 15925 Victory Blvd, Van Nuys Ca
๐Ÿ“ž (818) 822-6347
โœ‰๏ธ BILLEDERN@AOL.COM

William Dern

๐Ÿ“ 15925 Victory Blvd112, Van Nuys Ca 91406
๐Ÿ“ž (818) 822-6347
โœ‰๏ธ BILLEDERN@AOL.COM

William Dern from Erlanger, KY

Kenton Co.
๐Ÿ“ 3426 Meadowlark Dr
๐Ÿ“ž (859) 341-2111

William Dern from Ft Mitchell, KY

Kenton Co.
๐Ÿ“ 2956 Maple Ln
๐Ÿ“ž (859) 341-8871

William Dern from Selma, CA

Male
๐Ÿ“ 1321 Merced St
๐Ÿ“ž (559) 341-1087 (VERIZON WIRELESS)

William Dern from Plymouth, MA

Age 77 b. Sep 1948 Plymouth Co.
๐Ÿ“ 124 Taylor Ave

William Dern from Oceanside, CA

Age 76 b. Jan 1950 San Diego Co.
๐Ÿ“ 5247 Dixon Rd

William Dern from Milwaukee, WI

Age 104 b. Dec 1921 Milwaukee Co.
๐Ÿ“ 2400 E Bradford Ave Apt 301

William Dern from Urbana, OH

Age 73 b. Nov 1952 Champaign Co.
๐Ÿ“ 830 S Walnut St

William Dern from Freehold, NJ

Jan 1902
๐Ÿ“ 54 Stonehurst Blvd

William Dern from Oceanside, CA

Age 76 b. Jan 1950 San Diego Co.
๐Ÿ“ 605 Cassidy St 6033

William Dern from Estes Park, CO

0
๐Ÿ“ 3638 Po Box, Estes Park, CO 80517

William Dern from Dauphin, PA

Dauphin Co.
๐Ÿ“ 1200 Buttonwood Dr
๐Ÿ“ž (609) 878-5459

William Dern from Quincy, MA

๐Ÿ“ 20 Sextant Cir Apt 3
๐Ÿ“ž (273) 589-9748

William Dern from Saltsburg, PA

๐Ÿ“ 87 Bedick Rd

William Dern from W Hollywood, CA

Los Angeles Co.
๐Ÿ“ 8455 Fountain Ave Apt 530

William Dern from West Hollywood, CA

Los Angeles Co.
๐Ÿ“ 1430 N Harper Ave 212

William Dern from Clearwater, FL

Pinellas Co.
๐Ÿ“ 2293 Swedish Dr 11

William Dern from Sherman Oaks, CA

Los Angeles Co.
๐Ÿ“ 15456 Ventura Bl 1

William Dern from Sherman Oaks, CA

Los Angeles Co.
๐Ÿ“ 15456 Ventura Blvd Unit 1

William Dern from Blairsville, PA

Indiana Co.
๐Ÿ“ 4 Box 429 B

William Dern from Fort Collins, CO

Larimer Co.
๐Ÿ“ 2519 Montmorency St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 39 contact records for William Dern across 10 states. The most recent address on file is in Plymouth, Massachusetts. Of these records, 24 include phone numbers and 6 include email addresses. Ages range from 51 to 109, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Dern William L

Marion County
PIN: 3489-200-001
· 9355 SW 71st LP, Ocala 34481
Value: $197,591

Dern William D Jr And Charlene

Kenton County
· 3426 Meadowlark Dr, Covington

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

William Dern

Republican
1107oakmont Ct, Fort Collins, CO, 80525
DOB: 1962 Gender: Male Ph: 970-493-9176
County: Larimer

William L Dern

County: Taney

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for William Dern in Colorado. 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.

2009 NISSAN ALTIMA
ยท Registered to: William Dern
ยท VIN: 1N4AL21E39C189620
·
2956 Maple Ln, Edgewood, KY, 41017
·
(859) 341-8871
2012 Buick LaCrosse
ยท Registered to: William Dern
ยท VIN: 1G4GB5ER4CF269712
·
55 Las Naranjas St, Mercedes, TX, 78570
·
(715) 614-1175
2016 Dodge Charger
ยท Registered to: William Dern
ยท VIN: 2C3CDXCTXGH297546
·
9355 Sw 71St Loop, Ocala, FL, 34481
·
(352) 369-3393
2017 JEEP CHEROKEE
ยท Registered to: William Dern
ยท VIN: 1C4PJLDBXHW204172
·
55 Las Naranjas St, Mercedes, TX, 78570-9641
·
(715) 614-1175
1992 CHEVROLET S10 PICKUP
ยท Registered to: William Dern
ยท VIN: 1GCCS14A6N2201395
·
615 S Walnut St, Urbana, OH, 43078
·
(937) 653-3279
2001 CHRYSLER LHS 4DR SEDAN
ยท Registered to: William Dern
ยท VIN: 2C3AC56G21H642184
·
786 Crescent Dr, Urbana, OH, 43078
·
(937) 653-6604
2006 BUICK LUCERNE 4DR SEDAN
ยท Registered to: William Dern
ยท VIN: 1G4HP57286U205162
·
786 Crescent Dr, Urbana, OH, 43078
·
(937) 653-6604
2001 CHRYSLER 300M 4DR SEDAN
ยท Registered to: William Dern
ยท VIN: 2C3AE66G61H684406
·
615 S Walnut St, Urbana, OH, 43078
·
(937) 653-3279

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 8 vehicle registration records are associated with William Dern. Registered makes include Nissan, Buick, Dodge, Jeep and others. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

William K Dern Veterinarian

Owner
(937) 653-3114
Urbana, OH
Agricultural Services (Services)

W K Dern Dvm

Owner
(937) 653-6604
Urbana, OH
Agricultural Services (Services)

William Dern DDS

(760) 433-6111
Oceanside, CA
Health Services (Services)

Don Bates Insurance

William DernAssistants
(937) 266-4159deecam52@donbatesins.com
615 S Walnut St, Urbana, OH43078

Kuhn & Koviak Inc

William DernSenior Analytical Engineer The Timken Company
deecam52@yahoo.com
615 S Walnut St, Urbana, OH43078
kuhnandkoviak.com

Kuhn & Koviak Inc

William DernSenior Analytical Engineer The Timken Company
deecam52@yahoo.com
615 S Walnut St, Urbana, OH43078

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 7 business affiliations were found for William Dern. Companies include William K Dern Veterinarian, W K Dern Dvm, William Dern DDS and 2 more. Roles listed include Assistants and Senior Analytical Engineer The Timken Company. Records are compiled from state business registries, SEC filings, and professional networking databases.

One Word Productions, INC.

Filed: Apr 2, 1991
Registered Agent: William Dern

William M. Dern, D.d.s., A Professional Corporation

Filed: Jul 1, 2005
CEO: William Marion Dern

William M. Dern, D.d.s., A Professional Corporation

Addr: 605 Cassidy St, Oceanside, CA, 92054
CA
CEO: William Marion Dern

Unknown Corporation

ID: 485364
Officer: William Dern

Source: Public Records William Dern appears in 4 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

William Dern

Jamaica Plain High School - Jamaica Plain, MA, MA
1967

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases William Dern 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.

$145 Jan 15, 2014
2014
California Dental Political Action Committee Small Contributor Caldpac
Dern, William M Dentist @ Self Employed No Business Name Oceanside, CA
$145 Dec 28, 2015
2016
California Dental Political Action Committee Small Contributor Caldpac
Dern, William M Dentist @ Self Employed No Business Name Oceanside, CA
$120 Jan 7, 2011
2012
California Dental Politcal Action Committee Caldpac
Dern, William Dentist @ Self Employed No Business Name Oceanside, CA
$120 Jan 19, 2007
2008
California Dental Politcal Action Committee Caldpac
Dern, William Dentist @ Self Employed Oceanside, CA
$55 Dec 31, 2014
2014
California Dental Political Action Committee Small Contributor Caldpac
Dern, William M Dentist @ Self Employed No Business Name Oceanside, CA
$120 Jan 18, 2008
2008
California Dental Politcal Action Committee Caldpac
Dern, William Dentist @ Self Employed No Business Name Oceanside, CA
$120 Jan 1, 1
2008
California Dental Politcal Action Committee Caldpac
Dern, William Dentist @ Self Employed Oceanside, CA
$145 Jan 15, 2014
2014
California Dental Politcal Action Committee Caldpac
Dern, William M Dentist @ Self Employed No Business Name Oceanside, CA
$300 Aug 31, 2000
2000
Nrccc Non Fed Act
Dern, William M Oceanside, CA
$120 Jan 9, 2013
2014
California Dental Politcal Action Committee Caldpac
Dern, William M Dentist @ Self Employed No Business Name Oceanside, CA
$120 Jan 11, 2012
2012
California Dental Politcal Action Committee Caldpac
Dern, William Dentist @ Self Employed No Business Name Oceanside, CA
$120 Feb 6, 2009
2010
California Dental Politcal Action Committee Caldpac
Dern, William Dentist @ Self Employed No Business Name Oceanside, CA
$55 Dec 31, 2014
California Dental Political Action Committee Small Contributor Caldpac
Contributor Dentist @ Self Employed No Business Name Oceanside, CA
$55
2014
California Dental Political Action Committee Small Contributor Caldpac
Contributor Dentist @ Self Employed No Business Name Oceanside, CA

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 14 political contribution records found for William Dern. Total disclosed contributions amount to $1,740. Recipients include California Dental Political Action Committee Small Contributor Caldpac. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

William D Dern

Age 54 Male
·
1107 Oakmont Ct, Fort Collins, CO 80525 (Larimer County)
40.5394, -105.0570
· (970) 493-9176
Marital: Single TZ: Mountain
Occ: Insurance Edu: Some College
Homeowner Single Family Built 1979 Purchased 2010
MP

William L Dern

Age 68 Male
·
9355 SW 71st Loop, Ocala, FL 34481 (Marion County)
29.1156, -82.2771
· (352) 369-3393
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 2006 Purchased 2006
MP

William Dern

Male
·
278 Buckskin Path, Centerville, MA 02632 (Barnstable County)
41.6656, -70.3608
· (417) 270-7272
TZ: Eastern
Single Family
MP

William D Dern

Age 94 Male
·
3426 Meadowlark Dr, Erlanger, KY 41018 (Kenton County)
39.0031, -84.5791
· (859) 341-2111
Marital: Married TZ: Eastern
Occ: Professional Edu: Some College
Homeowner Single Family Built 1967
MP

William K Dern

Age 94 Male
·
786 Crescent Dr, Urbana, OH 43078 (Champaign County)
40.1058, -83.7338
· (937) 266-4158
Marital: Married TZ: Eastern
Homeowner Single Family
MP

William M Dern

Age 67 Male
·
1334 Woodview Dr, Oceanside, CA 92056 (San Diego County)
33.2286, -117.2780
· (760) 945-1589
Marital: Single TZ: Pacific
Occ: Healthcare Edu: Graduate School
Homeowner Single Family Purchased 2013

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 6 demographic profiles associated with William Dern. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find William Dern on the map

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William Dern in Van Nuys, CA: Background Summary

Location
15925 Victory Blvd Apt 112, Van Nuys Ca, Van Nuys, CA
Other Locations
Plymouth, MA ยท Urbana, OH ยท Van Nuys, CA and 19 more
Profiles Found
39 people with this name
Phone Numbers
(352) 369-3393 and 19 others on file
Email
wolfman94.3@comcast.net and 2 others on file
Possible Relatives
Carol W Dern, Christina L Dern, Felicia M Dern, John Mcdonald, John J Mcdonald and 53 more
Career
Assistants, Senior Analytical Engineer The Timken Company at William K Dern Veterinarian, W K Dern Dvm
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
8 linked โ€” 2009 Nissan Altima, 2012 Buick LaCrosse and 6 more
Contributions
$1,740 total โ€” California Dental Political Action Committee Small Contributor Caldpac, California Dental Political Action Committee Small Contributor Caldpac

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 William Dern. Because public records are indexed by name rather than by a unique identifier, the 91 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 William Dern

Search Complexity: High

91 public records across 11states, belonging to approximately 39 different individuals. With 39 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: California (19%), followed by Ohio and Massachusetts. Spans the West and Northeast regions.

CA17recordsOH10recordsMA8recordsKY8recordsCO6recordsFL5records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (56%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (14) and Vehicle Registration Records (8).

47
Contact & Address Records
14
Political Contribution Records
8
Vehicle Registration Records
7
Business & Corporate Filings
4
Corporate Records
2
Property Ownership Records

Age Distribution

Age range: approximately 73 years, suggesting multiple generations. Largest group: Senior (65+) (76%).

Senior (65+)13peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About William Dern

Is William Dern a registered voter?
Yes, voter registration records show William Dern is registered in Colorado with REP affiliation. 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.
Does William Dern own property?
County assessor records show 2 properties associated with William Dern . 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 William Dern?
Records show 8 vehicle registrations associated with William Dern, including a 2009 NISSAN ALTIMA. Registered makes include Nissan, Buick, Dodge, Jeep. 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 William Dern?
We found 7 business affiliations for William Dern, including William K Dern Veterinarian. Other companies include W K Dern Dvm, William Dern DDS. Business records are compiled from state registries, SEC filings, and professional databases.
Has William Dern made political donations?
FEC disclosure records show 14 reported political contributions from William Dern, totaling $1,740. Recipients include California Dental Political Action Committee Small Contributor Caldpac. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for William Dern?
Our database contains 91 total records for William Dern spanning 11 states. This includes 39 distinct contact records, 24 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 William Dern?
The 91 records displayed for William Dern 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 William Dern 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.