Zvi Alayoff from Brooklyn, NY

Age 60 b. 1966 Male
๐Ÿ“ 2403 Mill Ave
๐Ÿ“ž (718) 251-2105
โœ‰๏ธ alayoff.zvi@yahoo.com

Zvi Alayoff from Rego Park, NY

Queens Co.
๐Ÿ“ 9931 63rd Rd Unit P

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 2 contact records for Zvi Alayoff in New York. The most recent address on file is in Brooklyn, New York. Of these records, 1 include phone numbers and 1 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Alayoff, Zvi

Richmond County
PIN: 5107634
· 31 Sharpe Avenue, New York City ny
Built: 1930.0

Alayoff, Zvi

Kings County
PIN: 3865416
· 2403 Mill Avenue, New York City ny
Built: 1960.0

Alayoff, Zvi

Doc #2003042201143001
· 2403 Mlls Avenue, Brooklyn Ny 11234
Record: P

Alayoff, Zvi

Doc #2003042201143002
· 2403 Mlls Avenue, Brooklyn Ny 11234
Record: P

Alayoff, Zvi

· 31 Sharpe Avenue, 10302
2.5 stories ยท Class: B2
Assessed: $315,000

Alayoff, Zvi

· 2403 Mill Avenue, 11234
2 stories ยท Class: B1
Assessed: $677,000

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 6 property records linked to Zvi Alayoff in Brooklyn. Values shown are from county assessor records and may differ from current market prices.

2008 MERCEDES BENZ ML CLASS
ยท Registered to: Zvi Alayoff
ยท VIN: 4JGBB86E58A439264
·
2403 Mill Ave, Brooklyn, NY, 11234
·
(718) 251-2105
2012 Mercedes-Benz Gl-Class
ยท Registered to: Zvi Alayoff
ยท VIN: 4JGBF7BE0CA763123
·
6 Century Dr, West Long Branch, NJ, 07764-1210
·
(917) 922-3051
2013 BMW X5
ยท Registered to: Zvi Alayoff
ยท VIN: 5UXZV4C50D0E10215
·
6 Century Dr, W Long Branch, NJ, 07764
·
(917) 922-3051

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 3 vehicle registration records are associated with Zvi Alayoff. Registered makes include Mercedes Benz, Mercedes-Benz, Bmw. The most recent model year on record is 2013. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Business Record

+19179223051azdiamondny@gmail.com

A & Z Diamond

Owner
MaleZviAlayoff@anzdiamond.com
New York, NY
Miscellaneous Retail (Stores)

A & Z Diamond Corp

President
male
New York, NY
Wholesale Trade - Durable Goods (Products)

A & Z Diamonds Corp.

Zvi AlayoffOwner
(212) 730-6644zalayoff@gem-platinum.com
New York, NY

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 4 business affiliations were found for Zvi Alayoff. Companies include A & Z Diamond, A & Z Diamond Corp, A & Z Diamonds Corp.. Roles listed include Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

MP

Zvi Alayoff

Age 51 Male
·
2403 Mill Ave, Brooklyn, NY 11234 (Kings County)
40.6116, -73.9103
· (718) 251-2105
Marital: Single TZ: Eastern
Edu: High School
Homeowner Single Family Purchased 2003
MP

Zvi Alayoff

Male
·
110 Dayton St, Newark, NJ 07114 (Essex County)
40.6983, -74.2004
TZ: Eastern
Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 2 demographic profiles associated with Zvi Alayoff. 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 Zvi Alayoff. These loans were issued to businesses, not individuals.

Asian Gem Centre INC

Subchapter S Corporation

$17,083 Paid in Full
Address:
2 W 46th St
New York, NY10036-4811
Approved

Jan 29, 2021

Forgiven

$17,208

Jobs Reported

2

Loan #

8030828302

Loan Size

Small

Azul Partners LLC

Limited Liability Company(LLC

$12,015 Paid in Full
Address:
2 W 46th St Ste 1502
New York, NY10036-4502
Approved

Mar 18, 2021

Forgiven

$12,090

Jobs Reported

2

Loan #

4318068605

Loan Size

Small

Everest Star INC

Corporation

$24,932 Paid in Full
Address:
2 W 46th St Ste 906
New York, NY10036-4553
Approved

Mar 16, 2021

Forgiven

$25,124

Jobs Reported

4

Loan #

3033648604

Loan Size

Small

Diamine INC

Corporation

$15,015 Paid in Full
Address:
2 W 46th St Ste 1012
New York, NY10036
Approved

May 1, 2020

Forgiven

$15,120

Jobs Reported

1

Loan #

2930357708

Loan Size

Small

E N J Trading CORP

Corporation

$38,333 Paid in Full
Address:
2 W 46th St Ste 1402
New York, NY10036-4569
Approved

Jan 23, 2021

Forgiven

$38,619

Jobs Reported

2

Loan #

4934148304

Loan Size

Small

Everest Star INC

Corporation

$29,045 Paid in Full
Address:
2 W 46th St #906
New York, NY10036-4553
Approved

May 5, 2020

Forgiven

$23,247

Jobs Reported

3

Loan #

2039027410

Loan Size

Small

Classic Diamonds INC.

Corporation

$13,400 Paid in Full
Address:
2 W 46th St Ste 601
New York, NY10036-4558
Approved

Jan 25, 2021

Forgiven

$13,485

Jobs Reported

1

Loan #

5507278308

Loan Size

Small

Edgecraft Jewelry Designs LTD

Subchapter S Corporation

$10,562 Paid in Full
Address:
2 W 46th St
New York, NY10036-4501
Approved

Feb 12, 2021

Forgiven

$10,660

Jobs Reported

1

Loan #

7627238409

Loan Size

Small

Sage Document Services Group LLC

Limited Liability Company(LLC

$55,175 Paid in Full
Address:
2 W 46th St Ste 407
New York, NY10036-4609
Approved

May 1, 2020

Forgiven

$55,627

Jobs Reported

6

Loan #

5304957707

Loan Size

Small

Village Cyclery, INC.

Corporation

$6,770 Paid in Full
Address:
110 Dayton St
Yellow Spgs, OH45387
Approved

May 1, 2020

Forgiven

$5,735

Jobs Reported

2

Loan #

8129567703

Loan Size

Small

Ovadia Diamonds U.s.a. INC.

Corporation

$58,707 Paid in Full
Address:
2 W 46th St Ste 822
New York, NY10036-4502
Approved

Feb 17, 2021

Forgiven

$59,129

Jobs Reported

6

Loan #

9508448409

Loan Size

Small

Gempros INC

Corporation

$5,150 Paid in Full
Address:
2 W 46th St # 703
New York, NY10036-4811
Approved

Mar 3, 2021

Forgiven

$5,175

Jobs Reported

1

Loan #

6291078508

Loan Size

Small

United Colors Of Yael LLC

Limited Liability Company(LLC

$33,347 Paid in Full
Address:
2 W 46th St Ste 600
New York, NY10036-4557
Approved

Feb 5, 2021

Forgiven

$33,602

Jobs Reported

5

Loan #

4024658403

Loan Size

Small

H&t Goldman CORP.

Corporation

$18,200 Paid in Full
Address:
2 W 46th St Ste 607
New York, NY10036-4566
Approved

Mar 16, 2021

Forgiven

$18,369

Jobs Reported

3

Loan #

3153478606

Loan Size

Small

A.n.jewels INC

Corporation

$11,458 Paid in Full
Address:
2 W 46th St Ste 1206
New York, NY10036-4502
Approved

Feb 27, 2021

Forgiven

$11,520

Jobs Reported

1

Loan #

5102778503

Loan Size

Small

Dr. Judith Fiona Joseph M.d.,m.b.a., P.c

Subchapter S Corporation

$5,125 Paid in Full
Address:
2 W 46th St Ste 511
New York, NY10036
Approved

May 1, 2020

Forgiven

$5,186

Jobs Reported

2

Loan #

1886057709

Loan Size

Small

Ritastephens LLC

Limited Liability Company(LLC

$45,700 Paid in Full
Address:
2 W 46th St Ste 502
New York, NY10036-4550
Approved

Mar 28, 2021

Forgiven

$46,045

Jobs Reported

4

Loan #

2230068710

Loan Size

Small

Heraldica Imports, INC.

Corporation

$27,500 Paid in Full
Address:
2 W 46th St Ste 1208
New York, NY10036
Approved

May 1, 2020

Forgiven

$27,855

Jobs Reported

2

Loan #

2731167707

Loan Size

Small

Sage Document Services Group LLC

Limited Liability Company(LLC

$76,007 Paid in Full
Address:
2 W 46th St Ste 407
New York, NY10036-4609
Approved

Feb 25, 2021

Forgiven

$76,367

Jobs Reported

6

Loan #

4280808508

Loan Size

Small

Fine Beads INC

Corporation

$5,000 Paid in Full
Address:
2 W 46th St # 1102
New York, NY10036-4501
Approved

May 20, 2020

Forgiven

$5,039

Jobs Reported

1

Loan #

9733217410

Loan Size

Small

Amsok INC

Corporation

$35,380 Paid in Full
Address:
2 W 46th St Ste 1110
New York, NY10036-4502
Approved

Feb 13, 2021

Forgiven

$35,690

Jobs Reported

2

Loan #

8429118401

Loan Size

Small

Ebrani Designs LLC

Limited Liability Partnership

$2,750 Paid in Full
Address:
2 W 46th St Ste 1200
New York, NY10036-4502
Approved

May 9, 2020

Forgiven

$2,789

Jobs Reported

1

Loan #

4465647410

Loan Size

Small

Incon Gems INC

Corporation

$51,600 Paid in Full
Address:
2 W 46th St Ste 603
New York, NY10036-4561
Approved

Jan 25, 2021

Forgiven

$51,954

Jobs Reported

3

Loan #

5103568305

Loan Size

Small

Fine Beads INC

Corporation

$5,000 Paid in Full
Address:
2 W 46th St Ste 1102
New York, NY10036-4811
Approved

Feb 19, 2021

Forgiven

$5,049

Jobs Reported

1

Loan #

1703308510

Loan Size

Small

Aura Jewels INC.

Corporation

$21,047 Paid in Full
Address:
2 W 46th St Ste 1108a
New York, NY10036
Approved

May 1, 2020

Forgiven

$11,147

Jobs Reported

2

Loan #

3210967710

Loan Size

Small

Heritage Collection INC.

Corporation

$16,250 Paid in Full
Address:
2 W 46th St Ste 1201
New York, NY10036
Approved

May 1, 2020

Forgiven

$16,481

Jobs Reported

2

Loan #

1658307710

Loan Size

Small

Nu-Diamond Jewelry INC.

Corporation

$33,337 Paid in Full
Address:
2 W 46th St Ste 507
New York, NY10036-4592
Approved

May 1, 2021

Forgiven

$33,483

Jobs Reported

4

Loan #

6313918905

Loan Size

Small

Vvs Gems & Jewelry

Corporation

$6,667 Paid in Full
Address:
2 W 46th St Ste 1616
New York, NY10036
Approved

May 1, 2020

Forgiven

$6,735

Jobs Reported

1

Loan #

1748437707

Loan Size

Small

Nu-Diamond Jewelry INC.

Corporation

$33,338 Paid in Full
Address:
2 W 46th St Ste 507
New York, NY10036-4592
Approved

Feb 19, 2021

Forgiven

$33,547

Jobs Reported

4

Loan #

1626378504

Loan Size

Small

Srm Diamond CORP.

Corporation

$17,112 Paid in Full
Address:
2 W 46th St Ste 702
New York, NY10036-4573
Approved

May 1, 2020

Forgiven

$17,235

Jobs Reported

1

Loan #

5003837702

Loan Size

Small

Emerald House INC

Corporation

$5,479 Paid in Full
Address:
2 W 46th St Ste 1201
New York, NY10036-4811
Approved

Feb 23, 2021

Forgiven

$5,511

Jobs Reported

1

Loan #

3322038507

Loan Size

Small

Color Source Gems CORP

Subchapter S Corporation

$51,042 Paid in Full
Address:
2 W 46th St Ste 802
New York, NY10036-4535
Approved

Feb 4, 2021

Forgiven

$51,398

Jobs Reported

3

Loan #

2792258405

Loan Size

Small

Kapson Enterprises INC.

Corporation

$25,750 Paid in Full
Address:
2 W 46th St Ste 1506
New York, NY10036-4502
Approved

Jan 30, 2021

Forgiven

$25,917

Jobs Reported

3

Loan #

9221298306

Loan Size

Small

Diamine INC

Corporation

$15,000 Paid in Full
Address:
2 W 46th St Ste 1012
New York, NY10036-4502
Approved

Mar 20, 2021

Forgiven

$15,104

Jobs Reported

1

Loan #

4884388601

Loan Size

Small

Srm Diamond CORP.

Corporation

$17,115 Paid in Full
Address:
2 W 46th St Ste 702
New York, NY10036-4573
Approved

Feb 27, 2021

Forgiven

$17,208

Jobs Reported

1

Loan #

5218108503

Loan Size

Small

Delverlon Hall

Sole Proprietorship

$12,480 Paid in Full
Address:
2 W 46th St Ste 907
New York, NY10036-4556
Approved

Apr 24, 2021

Forgiven

$12,609

Jobs Reported

1

Loan #

1012608910

Loan Size

Small

Twinkle Jewelry INC

Corporation

$10,000 Paid in Full
Address:
2 W 46th St Ste 1108
New York, NY10036-4502
Approved

May 1, 2020

Forgiven

$10,082

Jobs Reported

1

Loan #

5858417700

Loan Size

Small

Designs By Joi Frankel INC.

Corporation

$9,637 Paid in Full
Address:
2 W 46th St Ste 805
New York, NY10036-4542
Approved

Mar 25, 2021

Forgiven

$9,674

Jobs Reported

1

Loan #

9172958600

Loan Size

Small

Gempros INC

Corporation

$5,150 Paid in Full
Address:
2 W 46th St Ste 1011
New York, NY10036-4502
Approved

May 1, 2020

Forgiven

$5,187

Jobs Reported

1

Loan #

5004187710

Loan Size

Small

Dikams INC

Corporation

$20,000 Paid in Full
Address:
2 W 46th St Ste 1507
New York, NY10036-4502
Approved

Jan 21, 2021

Forgiven

$20,159

Jobs Reported

2

Loan #

2857468302

Loan Size

Small

Color Source Gems CORP

Subchapter S Corporation

$47,500 Paid in Full
Address:
2 W 46th St Ste 802
New York, NY10036
Approved

May 1, 2020

Forgiven

$47,958

Jobs Reported

3

Loan #

2631497704

Loan Size

Small

Rgv Group LLC

Limited Liability Company(LLC

$163,517 Paid in Full
Address:
2 W 46th St
New York, NY10036-4811
Approved

Mar 31, 2021

Forgiven

$164,603

Jobs Reported

19

Loan #

3513838710

Loan Size

Medium

Vijisan Ny LLC

Limited Liability Company(LLC

$27,415 Paid in Full
Address:
2 W 46th St Ste 1009
New York, NY10036-4502
Approved

Jan 27, 2021

Forgiven

$27,688

Jobs Reported

4

Loan #

6856918302

Loan Size

Small

Travall Croom

Limited Liability Company(LLC

$6,925 Paid in Full
Address:
2 W 46th St Ste 907 Suite 907
New York, NY10036-4556
Approved

Apr 23, 2021

Forgiven

$6,997

Jobs Reported

1

Loan #

9085668805

Loan Size

Small

Deer Isle Group LLC

Limited Liability Company(LLC

$74,800 Paid in Full
Address:
2 W 46th St Ste 402
New York, NY10036-4547
Approved

Jan 21, 2021

Forgiven

$75,274

Jobs Reported

3

Loan #

3001638302

Loan Size

Small

Royal Chain INC.

Corporation

$962,715 Paid in Full
Address:
2 W 46th St Ste 200
New York, NY10036-4811
Approved

Feb 14, 2021

Forgiven

$967,475

Jobs Reported

51

Loan #

8910148406

Loan Size

Medium

Aaaria Jewels INC.

Corporation

$19,190 Paid in Full
Address:
2 W 46th St Ste 804
New York, NY10036-4540
Approved

May 7, 2021

Forgiven

$19,242

Jobs Reported

1

Loan #

7417618908

Loan Size

Small

Hirsh Diam INC

Corporation

$7,500 Paid in Full
Address:
2 W 46th St Ste 1202
New York, NY10036-4536
Approved

May 1, 2020

Forgiven

$7,554

Jobs Reported

1

Loan #

5062827710

Loan Size

Small

Vintage Collections INC.

Corporation

$28,250 Paid in Full
Address:
2 W 46th St Ste 1014
New York, NY10036-4564
Approved

Mar 16, 2021

Forgiven

$28,400

Jobs Reported

2

Loan #

3198378604

Loan Size

Small

Aura Jewels INC.

Corporation

$8,177 Paid in Full
Address:
2 W 46th St Ste 1108A
New York, NY10036-4584
Approved

Mar 12, 2021

Forgiven

$8,231

Jobs Reported

2

Loan #

9760208507

Loan Size

Small

Source: SBA PPP Loan Data ยท CARES Act Public Disclosures 50 PPP loan records are linked to businesses associated with Zvi Alayoff. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Zvi Alayoff 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
2
13

Zvi Alayoff in Brooklyn, NY: Background Summary

Location
2403 Mill Ave, Brooklyn, NY 11234
Other Locations
Rego Park, NY
Profiles Found
2 people with this name
Phone Numbers
(718) 251-2105
Email
alayoff.zvi@yahoo.com
Career
A & Z Diamond, A & Z Diamond Corp
Properties
4properties owned
Vehicles
3 linked โ€” 2008 Mercedes Benz Ml Class, 2012 Mercedes-Benz Gl-Class and 1 more
PPP Loans
$2249K for Asian Gem Centre INC, Azul Partners LLC

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 Zvi Alayoff. Because public records are indexed by name rather than by a unique identifier, the 69 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.

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.

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 Zvi Alayoff

Search Complexity: Low

69 public records across 2states, belonging to approximately 2 different individuals. With only 2 profiles found, identifying the correct person should be straightforward.

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 concentrated across 2 states. Highest concentration: New York (19%), followed by New Jersey. Concentrated in the Northeast.

NY13recordsNJ2records

Record Type Breakdown

Data spans 5 record categories. Largest: PPP Loan Records (75%), which are tied to specific businesses and addresses. Also includes Property Ownership Records (6) and Contact & Address Records (4).

50
PPP Loan Records
6
Property Ownership Records
4
Contact & Address Records
4
Business & Corporate Filings
3
Vehicle Registration Records

Frequently Asked Questions About Zvi Alayoff

Does Zvi Alayoff own property?
County assessor records show 6 properties associated with Zvi Alayoff in Brooklyn, New York and 5 other locations. 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 Zvi Alayoff?
Records show 3 vehicle registrations associated with Zvi Alayoff, including a 2008 MERCEDES BENZ ML CLASS. Registered makes include Mercedes Benz, Mercedes-Benz, Bmw. 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 Zvi Alayoff?
We found 4 business affiliations for Zvi Alayoff (null). Other companies include A & Z Diamond Corp, A & Z Diamonds Corp.. Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Zvi Alayoff?
Our database contains 69 total records for Zvi Alayoff spanning 2 states. This includes 2 distinct contact records, 1 with phone numbers, 1 with email addresses. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Zvi Alayoff?
The 69 records displayed for Zvi Alayoff 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 Zvi Alayoff 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.