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Stephen Flake from Sturgis, MS

Age 46
📍 1917 Raymond Williams Rd, Sturgis, MS 39769
📞 (662) 773-8564, (662) 773-8564
✉️ sflake5765@aol.com
👨‍👩‍👧 Relatives: Fay Y Flake,Jimmy D Flake,Jimmie D Flake,Joseph C Flake,Jimmy Flake,Jim Flake

Stephen Flake

Age 73 b. 1952-11-28
📍 Unit 103, 129 Stratford Mill Blvd, St Augustine Fl
📞 (904) 687-5940
✉️ SCFOPA@GMAIL.COM, scfopa@gmail.com

Stephen Flake

Age 42 b. 1983-11-13
📍 101 Lake Somerset Crst Nw, Marietta Ga
📞 (404) 271-0814, (678) 787-5707
✉️ SFLAKE@JCSSPARTSTRAINING.COM

Stephen Flake

📍 5301 Springlake Pkwy Apt 2409, Haltom City Tx
📞 (111) 111-0001
✉️ FLAKE_STEPHEN@YMAIL.COM

Stephen Flake from Florissant, CO

Age 61
📍 5 Nuaku Rd, Florissant, CO 80816
📞 (719) 237-4253, (719) 686-9542, (352) 666-1024
👨‍👩‍👧 Relatives: Deborah Ann Strickland,Judith Trudeauflake,Nell Y Flake,Donald Terence Flake,Deborah A Flake,Judy Trudeauflake

Stephen Flake from Phoenix, AZ

Age 41 b. Sep 1984
📍 4115 E Moreland St Apt 1
📞 (480) 242-6865
👤 aka Stephen Null Flake

Stephen Flake from Boise, ID

Age 73 b. Oct 1952 Ada Co.
📍 930 E Saratoga Dr
📞 (208) 345-1852
👤 aka Fire Stephen Whitney, Stephen Flake

Stephen Flake

📍 1917 Raymond Williams Rd, Sturgis Ms
📞 (662) 803-2061
✉️ SFLAKE@WWSCPA.COM

Stephen Flake from Florissant, CO

Male
📍 5 Nuaku Rd
📞 (719) 237-4253 (AT&T MOBILITY)

Stephen Flake from Saint Augustine, FL

Age 74 b. 1952 Male
📍 2704 N Screech Owl Ave
📞 (904) 217-7531

Stephen Flake from Spring Hill, FL

Age 73 b. Nov 1952 Hernando Co.
📍 3125 Harrow Rd

Stephen Flake from Saratoga Springs, UT

Age 51 b. Jul 1974 Utah Co.
📍 87 Aruba Dr

Stephen Flake from Boise, ID

Ada Co.
📍 930 Saratoga Dr
📞 (208) 345-1852

Stephen Flake from Longmont, CO

Age 34 b. 1992 Male
📍 10910 Turner Blvd Lot 11

Stephen Flake from Gainesville, FL

Alachua Co.
📍 4903 Nw 39th Ter

Stephen Flake from Sturgis, MS

Oktibbeha Co.
📍 Rr 2 Box 82 B

Stephen Flake from Walnut, MS

Tippah Co.
📍 48 County Rd 781

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 17 contact records for Stephen Flake across 6 states. The most recent address on file is in Phoenix, Arizona. Of these records, 11 include phone numbers and 5 include email addresses. Ages range from 46 to 61, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Flake, Stephen

Utah County
PIN: 498280337
· 2389 E Prairie Ln, Eagle Mountain Ut
Built: 2018.0

Flake Stephen D

Ada County
· 930 E Saratoga Dr, Boise-City

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 2 property records linked to Stephen Flake in Boise-City. Values shown are from county assessor records and may differ from current market prices.

Stephen Flake

Waleska, 30183
DOB: 1/1/1983 Gender: Male
Congress: 011

Stephen Charles Flake

4438 NW 34Th DR, Gainesville, , 32605

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Stephen Flake in . Voter data is released as public information under state election laws and reflects status at time of the state data release.

2002 KIA OPTIMA
· Registered to: Stephen Flake
· VIN: KNAGD128125114863
·
2704 N Screech Owl Ave, Saint Augustine, FL, 32084
·
(904) 217-7531
2000 CHEVROLET ASTRO VAN MINIVAN PASSENGER
· Registered to: Stephen Flake
· VIN: 1GNEL19W0YB154080
·
2704 N Screech Owl Ave, Saint Augustine, FL, 32084
·
(904) 217-7531
2006 TOYOTA CAMRY CAR UPPER MIDSIZE
· Registered to: Stephen Flake
· VIN: 4T1BE32K56U718490
·
1917 Raymond Williams Rd, Sturgis, MS, 39769
2001 GMC SIERRA FULL SIZE TRUCK
· Registered to: Stephen Flake
· VIN: 1GTHK23101F139086
·
930 E Saratoga Dr, Boise, ID, 83706
2006 Chevrolet Cobalt
· Registered to: Stephen Flake
· VIN: 1G1AK15F567744302
·
10910 Turner Blvd, Longmont, CO, 80504
·
(720) 204-2812
2011 CHEVROLET CAMARO
· Registered to: Stephen Flake
· VIN: 2G1FS1EW8B9132173
·
2167 Westbury Ct SW, Marietta, GA, 30064-4815
·
(404) 271-0814
2018 Ford F-150
· Registered to: Stephen Flake
· VIN: 1FTEW1EG3JFC10445
·
1917 Raymond Williams Rd, Craig Springs, MS, 39769
1966
· Registered to: Stephen Flake
· VIN: C1446S101134
·
6 County Road 781, Walnut, MS, 38683
2010 TOYOTA HIGHLANDER
· Registered to: Stephen Flake
· VIN: 5TDYK3EH0AS002049
·
1917 Raymond Williams Rd, Sturgis, MS, 39769-9311
·
(662) 803-2061
1984 CHEVROLET C10 PICKUP
· Registered to: Stephen Flake
· VIN: 1GCDC14H5EF346192
·
6 County Road 781, Walnut, MS, 38683
1985 OLDSMOBILE CALAIS COUPE
· Registered to: Stephen Flake
· VIN: 1G3NF27U0FM208745
·
4 County Road 781, Walnut, MS, 38683
· Registered to: Stephen Flake
·
11473 Markridge Cir, South Jordan, UT, 840954 County Road 781, Walnut, MS, 38683

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 13 vehicle registration records are associated with Stephen Flake. Registered makes include Kia, Chevrolet, Toyota, Gmc and others. The most recent model year on record is 2018. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Davis Park Ferry CO

Stephen FlakeOwner
sflake@cox.net
87 Aruba Dr, Saratoga Springs, ut84045
pagelinx.com

Davis Park Ferry CO

Stephen FlakeOwner
sflake@cox.net
87 Aruba Dr, Saratoga Springs, ut84045

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 2 business affiliations were found for Stephen Flake. Companies include Davis Park Ferry CO. Roles listed include Owner. Records are compiled from state business registries, SEC filings, and professional networking databases.

Stephen Flake

ID: 14653964
Addr: 20396 E Superstition Dr, Queen Creek, AZ, 85242
AZ

Great Wave Marketing, INC.

Filed: May 20, 2016
Registered Agent: Stephen Flake

Altitude 22 Marketing, INC.

Addr: 2000 E Lamar Blvd Ste 625, Arlington, TX, 76006
TX
Director: Stephen Flake

Unknown Corporation

Addr: 2000 E Lamar Blvd Ste 625, Arlington, TX, 76006
TX
Officer: Stephen Flake

Altitude 22 Marketing, INC.

ID: 0802109301
Addr: 2000 E Lamar Blvd Ste 625, Arlington, TX, 76006
TX
Director: Stephen Flake

Source: Public Records Stephen Flake appears in 5 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Stephen Flake

Mountain View High School - Mesa, AZ, AZ
1992

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Stephen Flake 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.

MP

Stephen Flake

Age 49 Male
·
136 Hunter Rd, Maben, MS 39750 (Webster County)
33.5028, -89.0527
· (662) 779-2653
Marital: Single TZ: Central
Occ: White Collar Edu: Graduate School
Homeowner Single Family Built 1999 Purchased 2008
MP

Stephen L Flake

Age 42 Male
·
4A County Road 781, Walnut, MS 38683 (Tippah County)
34.9574, -88.7836
Marital: Single TZ: Central
Homeowner Single Family
MP

Stephen Flake

Age 68 Male
·
369 Anderson Dr, Dahlonega, GA 30533 (Lumpkin County)
34.5691, -83.9961
TZ: Eastern
Occ: White Collar Edu: Some College
Single Family
MP

Stephen R Flake

Age 47 Male
·
6470 US Highway 60 W, Lewisport, KY 42351 (Hancock County)
37.9516, -86.8510
· (270) 295-7933
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1970 Purchased 2000

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 4 demographic profiles associated with Stephen Flake. 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 Stephen Flake. These loans were issued to businesses, not individuals.

The Jenkins Agency INC

Corporation

$65,000 Paid in Full
Address:
2000 E Lamar Blvd Ste 600
Arlington, TX76006-7361
Approved

Apr 16, 2021

Forgiven

$65,287

Jobs Reported

4

Loan #

4636018803

Loan Size

Small

Shonda Love

Independent Contractors

$16,311 Paid in Full
Address:
2000 E Lamar Blvd Ste 646
Arlington, TX76006-7346
Approved

Mar 20, 2021

Forgiven

$16,358

Jobs Reported

1

Loan #

4852458604

Loan Size

Small

Tusk Enterprises, LLC

Limited Liability Company(LLC

$1,892,500 Paid in Full
Address:
2000 E LAMAR BLVD 2nd Floor
Arlington, TX76006-7300
Approved

Apr 13, 2020

Forgiven

$918,814

Jobs Reported

55

Loan #

5121447105

Loan Size

Medium-Large

Kyree McClish

Independent Contractors

$20,833 Exemption 4
Address:
2000 E Lamar Blvd
Arlington, TX76006-7300
Approved

Jun 20, 2020

Jobs Reported

1

Loan #

9836347907

Loan Size

Small

Deanna Ross

Sole Proprietorship

$10,832 Paid in Full
Address:
2000 E Lamar Blvd
Arlington, TX76006-7346
Approved

Mar 23, 2021

Forgiven

$10,878

Jobs Reported

1

Loan #

6678358601

Loan Size

Small

Choice Atm Enterprises INC.

Corporation

$296,200 Paid in Full
Address:
2000 E Lamar Blvd Ste 750
Arlington, TX76006-7341
Approved

Mar 13, 2021

Forgiven

$297,279

Jobs Reported

27

Loan #

1514758604

Loan Size

Medium

Gpg Services INC

Corporation

$97,930 Paid in Full
Address:
2000 E Lamar Blvd Ste 600
Arlington, TX76006-7361
Approved

Feb 11, 2021

Forgiven

$98,429

Jobs Reported

7

Loan #

7123918408

Loan Size

Small

Fresh Start Management

Limited Liability Company(LLC

$8,000 Paid in Full
Address:
2000 E Lamar Blvd Ste 600
Arlington, TX76006-7361
Approved

Aug 4, 2020

Forgiven

$8,104

Jobs Reported

2

Loan #

3210158209

Loan Size

Small

Mission System Solutions INC

Corporation

$5,618 Exemption 4
Address:
2000 E Lamar Blvd Ste 600
Arlington, TX76006-7361
Approved

Mar 2, 2021

Jobs Reported

6

Loan #

5972588509

Loan Size

Small

International People Empowerment Network INC

501(c)3 – Non Profit

$2,083 Paid in Full
Address:
2000 E Lamar Blvd Ste 606A
Arlington, TX76006-7346
Approved

Mar 20, 2021

Jobs Reported

1

Loan #

4906198605

Loan Size

Small

Hamilton Financial Group LLC

Single Member LLC

$20,832 Exemption 4
Address:
2000 E Lamar Blvd Ste 600NULL 2000 East Lamar Boulevard Suite 600null
Arlington, TX76006-7346
Approved

Apr 14, 2021

Jobs Reported

1

Loan #

3255508810

Loan Size

Small

Gpg Services INC

Corporation

$97,865 Paid in Full
Address:
2000 E Lamar Blvd Ste 600
Arlington, TX76006-7361
Approved

May 3, 2020

Forgiven

$98,618

Jobs Reported

9

Loan #

7168127709

Loan Size

Small

Shonda Love

Independent Contractors

$16,311 Paid in Full
Address:
2000 E Lamar Blvd 2000 East Lamar Boulevard
Arlington, TX76006-7346
Approved

May 26, 2021

Forgiven

$16,352

Jobs Reported

1

Loan #

7904669001

Loan Size

Small

Zeffery Session

Sole Proprietorship

$7,435 Paid in Full
Address:
2000 E Lamar Blvd Ste 600
Arlington, TX76006-7361
Approved

Mar 26, 2021

Forgiven

$7,462

Jobs Reported

1

Loan #

1039588710

Loan Size

Small

Neurodiagnostic Services Southwest LLC

Limited Liability Company(LLC

$25,135 Paid in Full
Address:
2000 E Lamar Blvd Ste 600
Arlington, TX76006-7300
Approved

Jan 17, 2021

Forgiven

$25,301

Jobs Reported

2

Loan #

1376988310

Loan Size

Small

Moses Gbolabo

Sole Proprietorship

$15,366 Paid in Full
Address:
2000 E Lamar Blvd Ste 330
Arlington, TX76006-7300
Approved

Feb 19, 2021

Forgiven

$15,530

Jobs Reported

1

Loan #

2131128502

Loan Size

Small

Nina Jones Cpa PLLC

Corporation

$20,833 Paid in Full
Address:
2000 E Lamar Blvd
Arlington, TX76006-7346
Approved

Mar 12, 2021

Forgiven

$20,906

Jobs Reported

1

Loan #

9176968502

Loan Size

Small

Law Offices Of Roger E Bishara, P.c.

Subchapter S Corporation

$10,100 Paid in Full
Address:
2000 E LAMAR BLVD Suite 600
Arlington, TX76006-7300
Approved

May 21, 2020

Forgiven

$10,190

Jobs Reported

1

Loan #

1587877806

Loan Size

Small

Dismuke & Waters PC

Subchapter S Corporation

$201,100 Paid in Full
Address:
2000 E Lamar Blvd Ste 500
Arlington, TX76006-7300
Approved

Apr 5, 2020

Forgiven

$192,194

Jobs Reported

14

Loan #

5449547006

Loan Size

Medium

Benefitlogix Marketing Group LLC

Limited Liability Company(LLC

$20,800 Paid in Full
Address:
2000 E Lamar Blvd Ste 600
Arlington, TX76006-7361
Approved

Apr 30, 2021

Forgiven

$20,879

Jobs Reported

1

Loan #

5656848905

Loan Size

Small

Safeguard Now LLC

Limited Liability Company(LLC

$61,700 Paid in Full
Address:
2000 E Lamar Blvd Suite 600
Arlington, TX76006-7361
Approved

Apr 14, 2020

Forgiven

$52,037

Jobs Reported

11

Loan #

5970897105

Loan Size

Small

Wales Counseling Center PLLC

Limited Liability Company(LLC

$4,167 Paid in Full
Address:
2000 E Lamar Blvd Ste 600
Arlington, TX76006-7361
Approved

Feb 16, 2021

Forgiven

$4,193

Jobs Reported

1

Loan #

9128308400

Loan Size

Small

Dre Boss Logistics LLC

Limited Liability Company(LLC

$14,782 Paid in Full
Address:
2000 E Lamar Blvd Ste 600
Arlington, TX76006-7361
Approved

Apr 16, 2021

Forgiven

$14,842

Jobs Reported

1

Loan #

4470218803

Loan Size

Small

Gene McCray

Sole Proprietorship

$20,832 Paid in Full
Address:
2000 E Lamar Blvd
Arlington, TX76006-7346
Approved

May 20, 2021

Forgiven

$20,892

Jobs Reported

1

Loan #

4439579009

Loan Size

Small

Wales Counseling Center, PLLC

Limited Liability Company(LLC

$4,166 Paid in Full
Address:
2000 E Lamar Blvd Ste 530
Arlington, TX76006-7341
Approved

May 1, 2020

Forgiven

$4,198

Jobs Reported

4

Loan #

6547877706

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 25 PPP loan records are linked to businesses associated with Stephen Flake. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Stephen Flake on the map

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Found 34 results across 9 states

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Stephen Flake in St Augustine, FL: Background Summary

Location
Unit 103, 129 Stratford Mill Blvd, St Augustine Fl, St Augustine, FL
Other Locations
Phoenix, AZ · Boise, ID · Florissant, CO and 7 more
Profiles Found
17 people with this name
Phone Numbers
(662) 773-8564 and 8 others on file
Email
sflake5765@aol.com and 4 others on file
Possible Relatives
Fay Y Flake, Jimmy D Flake, Jimmie D Flake, Joseph C Flake, Jimmy Flake and 7 more
Career
Owner at Davis Park Ferry CO
Properties
2properties owned
Vehicles
13 linked — 2002 Kia Optima, 2000 Chevrolet Astro Van and 11 more
PPP Loans
$2957K for The Jenkins Agency INC, Shonda Love

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 Stephen Flake. Because public records are indexed by name rather than by a unique identifier, the 73 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

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 — 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 — 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.

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 Stephen Flake

Search Complexity: High

73 public records across 9states, belonging to approximately 17 different individuals. With 17 distinct profiles across 9 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

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

Geographic Distribution

Records are widely distributed across 9 states. Highest concentration: Mississippi (10%), followed by Florida and Colorado. Spans the South and West regions.

MS7recordsFL6recordsCO5recordsUT4recordsAZ3recordsTX3records

Record Type Breakdown

Data spans 7 record categories. Largest: PPP Loan Records (37%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (19) and Vehicle Registration Records (13).

25
PPP Loan Records
19
Contact & Address Records
13
Vehicle Registration Records
5
Corporate Records
2
Property Ownership Records
2
Voter Registration Records

Age Distribution

Age range: approximately 32 years, suggesting multiple generations. Largest group: Senior (65+) (17%).

Senior (65+)1personMiddle-Age (40-64)5people

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

Frequently Asked Questions About Stephen Flake

Is Stephen Flake a registered voter?
Yes, voter registration records show Stephen Flake 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.
Does Stephen Flake own property?
County assessor records show 2 properties associated with Stephen Flake . 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 Stephen Flake?
Records show 13 vehicle registrations associated with Stephen Flake, including a 2002 KIA OPTIMA. Registered makes include Kia, Chevrolet, Toyota, Gmc. 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 Stephen Flake?
We found 2 business affiliations for Stephen Flake (Owner). Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Stephen Flake?
Our database contains 73 total records for Stephen Flake spanning 9 states. This includes 17 distinct contact records, 11 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 Stephen Flake?
The 73 records displayed for Stephen Flake 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 Stephen Flake 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.