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Kincaide Linnis

1380 Hanley St
Gary
Indiana
46406
(219) 949-4222

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About Kincaide

Kincaide is 76 years old and has lived in this area for 11-15 Years and has no children living in their household. Kincaide either owns or rents the property in 1380 Hanley St, a dwelling unit.

Contact

Address Continue 1380 Hanley St
Gary, IN 46406

Details

Continue
Phone (219) 949-4222
Social Media

Financial Situation

Dwelling

Homeowner Type Homeowner
Median Home Value $50-74K

Frequently Asked Questions

Where does Kincaide live?

Kincaide lives at 1380 Hanley St in Gary, IN 46406.

What is Kincaide's phone number?

Kincaide Linnis's phone number is (219) 949-4222.

Does Kincaide own or rent their home?

Kincaide is a Homeowner.

What is the median home value in this area?

Median home value is $50-74K.

How old is Kincaide Linnis?

Kincaide is 76 years old. Kincaide is born on December 1, 1947.

How long has Kincaide lived in this area?

Kincaide Linnis has lived in this area for 11-15 Years.

Does Kincaide have children?

No, Kincaide has no children living in their household.

Same Phone or Address

Name
Kellie Kincaide, Gary, IN 46406
Linnis J. Kincaide, Gary, IN 46406

Same ZIP

Name
Wanda Powe, Gary, IN 46406
Benita Powell, Gary, IN 46406
Bennett M. Powell, Gary, IN 46406
Carrie Powell, Gary, IN 46406
Darlene Powell, Gary, IN 46406
Eloise Powell, Gary, IN 46406
Elouise O. Powell, Gary, IN 46406
Joseph D. Powell, Gary, IN 46406
Karl Powell, Gary, IN 46406
Latanza Powell, Gary, IN 46406
Nancy L. Powell, Gary, IN 46406
Nicole L. Powell, Gary, IN 46406
Tammy L. Powell, Gary, IN 46406
Cynthia Powers, Gary, IN 46406
Danny Powers, Gary, IN 46406
Katherine L. Powers, Gary, IN 46406
Rick Powers, Gary, IN 46406
Robert Powers, Gary, IN 46406
Wilbert L. Powers, Gary, IN 46406
Timothy Poyner, Gary, IN 46406
Craig Pratt, Gary, IN 46406
Dawnia Pratt, Gary, IN 46406
Diane Pratt, Gary, IN 46406
Felicia D. Pratt, Gary, IN 46406
Jacqueline M. Pratt, Gary, IN 46406
Vandale Pratt, Gary, IN 46406
Garrett D. Preaster, Gary, IN 46406
Marian Predescu, Gary, IN 46406
Oscar Preley, Gary, IN 46406
Eric Prentice, Gary, IN 46406
Washington President, Gary, IN 46406
Washington President, Gary, IN 46406
Benjamin R. Pressley, Gary, IN 46406
Annie Preston, Gary, IN 46406
Devona Prewitt, Gary, IN 46406
B Pribble, Gary, IN 46406
Arthur W. Price, Gary, IN 46406
Charles T. Price, Gary, IN 46406
Christine Price, Gary, IN 46406
David W. Price, Gary, IN 46406
David A. Price, Gary, IN 46406
Eugene Price, Gary, IN 46406
Lequita Price, Gary, IN 46406
Ora B. Price, Gary, IN 46406
Robert Price, Gary, IN 46406
Ronald Price, Gary, IN 46406
Tina L. Price, Gary, IN 46406
Willie M. Price, Gary, IN 46406
James Priest, Gary, IN 46406
Alfredo Prieto, Gary, IN 46406
Alfredo Prieto, Gary, IN 46406
Antonio Prieto, Gary, IN 46406
Antonio Prieto, Gary, IN 46406
Debra A. Prieto, Gary, IN 46406
Joseph G. Prieto, Gary, IN 46406
Juanita G. Prieto, Gary, IN 46406
Loretta Prieto, Gary, IN 46406
Margaret M. Prieto, Gary, IN 46406
Rick Prieto, Gary, IN 46406
Dennis Prince, Gary, IN 46406
Haley C. Prince, Gary, IN 46406
John M. Prince, Gary, IN 46406
Lisa R. Prince, Gary, IN 46406
Tiffany Prince, Gary, IN 46406
S Pritchard, Gary, IN 46406
Stafford Pritchard, Gary, IN 46406
William Pritchard, Gary, IN 46406
Deborah A. Proctor, Gary, IN 46406
Heather L. Proctor, Gary, IN 46406
Jeffrey L. Provo, Gary, IN 46406
Hazel L. Pruitt, Gary, IN 46406
Henry Pruitt, Gary, IN 46406
Henry E. Pruitt, Gary, IN 46406
Hilliard Pruitt, Gary, IN 46406
Jeffery Pruitt, Gary, IN 46406
Michael L. Pruitt, Gary, IN 46406
Tynicia Pruitt, Gary, IN 46406
James W. Pryor, Gary, IN 46406
Mary Pryor, Gary, IN 46406
Roy Puentez, Gary, IN 46406
Lorenzo P. Pugh, Gary, IN 46406
Phillip Pugh, Gary, IN 46406
Carlos Puig, Gary, IN 46406
Marta A. Pulido, Gary, IN 46406
Tandanisha Pullen, Gary, IN 46406
Vanessa Pullen, Gary, IN 46406
Judy Purdy, Gary, IN 46406
Bertie L. Purham, Gary, IN 46406
E Purham, Gary, IN 46406
Ron Purley, Gary, IN 46406
Daisy A. Purnell, Gary, IN 46406
John L. Purnell, Gary, IN 46406
Robin L. Purnell, Gary, IN 46406
Champion Purvis, Gary, IN 46406
Jones Purvis, Gary, IN 46406
Alva Pxe, Gary, IN 46406
Andrea Pyle, Gary, IN 46406
David Pyle, Gary, IN 46406
David Pyle, Gary, IN 46406
Dolly A. Pyle, Gary, IN 46406
Herley Pyle, Gary, IN 46406
Leticia Pyle, Gary, IN 46406
Marvin Pyle, Gary, IN 46406
Melissa Pyle, Gary, IN 46406
Andrea Pylen, Gary, IN 46406
Chandler Qualice, Gary, IN 46406
Arrieonna Quarles, Gary, IN 46406
Travonda Quarles, Gary, IN 46406
Lorrie A. Quarrell, Gary, IN 46406
Rocki Quarrelles, Gary, IN 46406
Ashley Quasney, Gary, IN 46406
Henry Queener, Gary, IN 46406
Jake M. Quenzler, Gary, IN 46406
Don L. Quick, Gary, IN 46406
Marcailla R. Quick, Gary, IN 46406
Amy Quiles, Gary, IN 46406
Raymond E. Quinones, Gary, IN 46406
Andrea R. Quiroz, Gary, IN 46406
Marco Quiroz, Gary, IN 46406
Marko Quiroz, Gary, IN 46406
Monica Quiroz, Gary, IN 46406
Ricardo Quiroz, Gary, IN 46406
Robert S. Quiroz, Gary, IN 46406
Baker Rabi, Gary, IN 46406
Equihua Rachel, Gary, IN 46406
Wilson Rachel, Gary, IN 46406
Gerald A. Rachov, Gary, IN 46406
David Racinowski, Gary, IN 46406
Stanley Racinowski, Gary, IN 46406
Stanley S. Racinowski, Gary, IN 46406
Betty Radcliff, Gary, IN 46406
Stacy Radek, Gary, IN 46406
Kelly Rader, Gary, IN 46406
Kyle Rader, Gary, IN 46406
Cherryl Radford, Gary, IN 46406
Denise R. Radford, Gary, IN 46406
Donald P. Radulovich, Gary, IN 46406
Theresa Radulovich, Gary, IN 46406
Dante Ragland, Gary, IN 46406
Gloria D. Ragulen, Gary, IN 46406
Lynn Ragulen, Gary, IN 46406
Linda K. Rahmstorf, Gary, IN 46406
Lori Rainey, Gary, IN 46406
Doloris A. Rainge, Gary, IN 46406
Tawana Rainge, Gary, IN 46406
Cole Ralph, Gary, IN 46406
Alfonzo Ramirez, Gary, IN 46406
J Ramirez, Gary, IN 46406
Margarita Ramirez, Gary, IN 46406
Roberto Ramirez, Gary, IN 46406

Same Last Name

Name
Benjamin J. Linnis, Templeton, MA 01468
Blanton Linnis, Orange, TX 77630
Mainy Linnis, Fort Lauderdale, FL 33313

Same First Name

Name
Kincaide Maggie, Memphis, TN 38128
Kincaide Aaron, Alvin, TX 77511
Kincaide Alechia, Evansville, IN 47714
Kincaide Beatrice, Chicago, IL 60637
Kincaide Caldonia, Coffeeville, MS 38922
Kincaide Calvin, Memphis, TN 38108
Kincaide Charles, Evansville, IN 47711
Kincaide Christine, Lincoln Park, MI 48146
Kincaide M. Grant, Cedar Hill, TX 75104
Kincaide Gregory, Cordova, TN 38018
Kincaide James, Evansville, IN 47710
Kincaide Joseph, Gary, IN 46407
Kincaide Kenneth, Evansville, IN 47710
Kincaide Kimberly, Winnsboro, SC 29180

Same City

Name
Melody G. Pajor, Gary, IN 46403
Rick Pajor, Gary, IN 46403
Lisa Palacio, Gary, IN 46402
Ernest E. Palagyi, Gary, IN 46408
Thomas L. Palagyi, Gary, IN 46408
Virginia G. Palagyi, Gary, IN 46408
P Palichuk, Gary, IN 46401
Albert M. Palinski, Gary, IN 46409
Mary Pall, Gary, IN 46408
Raymond B. Pall, Gary, IN 46408
Anthony T. Palm, Gary, IN 46407
Bertha Palm, Gary, IN 46408
Donrick Palm, Gary, IN 46403
Dorothy M. Palm, Gary, IN 46407
Latrice L. Palm, Gary, IN 46406
Margie Palm, Gary, IN 46407
Queenora Palm, Gary, IN 46409
Sandra M. Palm, Gary, IN 46407
Tesa Palm, Gary, IN 46406
Gary Palmateer, Gary, IN 46409
Amy Palmer, Gary, IN 46408
Anthony M. Palmer, Lake Station, IN 46405
Audrey Palmer, Gary, IN 46407
Brendolyn Palmer, Gary, IN 46409
C C. Palmer, Gary, IN 46408
Candice O. Palmer, Gary, IN 46407
Carolyn Palmer, Lake Station, IN 46405
Cecilia Palmer, Gary, IN 46408
Charles E Palmer, Gary, IN 46407
Charmaine N. Palmer, Gary, IN 46403
Deborah L. Palmer, Lake Station, IN 46405
Deborh L. Palmer, Lake Station, IN 46405
Demetrius Palmer, Gary, IN 46409
Donna Palmer, Lake Station, IN 46405
Erica D. Palmer, Gary, IN 46403
Frank P. Palmer, Lake Station, IN 46405
Joseph Palmer, Gary, IN 46404
Kelly Palmer, Gary, IN 46406
Kristy Palmer, Gary, IN 46406
Lamont Palmer, Gary, IN 46403
Melondy Y. Palmer, Gary, IN 46409
Michelle Palmer, Gary, IN 46403
Natasha L. Palmer, Gary, IN 46403
Nichole M. Palmer, Gary, IN 46403
Olivia E. Palmer, Gary, IN 46408
Regina Palmer, Gary, IN 46403
Ruth Palmer, Lake Station, IN 46405
S Palmer, Gary, IN 46404
Schwhan Palmer, Gary, IN 46407
Schwhan Palmer, Gary, IN 46403
Talisha S. Palmer, Gary, IN 46407
Talisha Palmer, Gary, IN 46403
Tasha Palmer, Gary, IN 46404
Thomas W. Palmer, Gary, IN 46406
Wesley Palmer, Gary, IN 46406
Westley Palmer, Gary, IN 46408
Alice Palmer-willis, Gary, IN 46408
Alice Palmer-willis, Gary, IN 46409
Alice Palmer-willis, Gary, IN 46409
F R. Palmieri, Gary, IN 46403
Jessica Palmore, Gary, IN 46404
Carrie A. Palo, Gary, IN 46408
Eric Palo, Gary, IN 46408
Kent Palo, Gary, IN 46408
Mary J. Palo, Gary, IN 46408
Pamela H. Palo, Gary, IN 46408
Alma Palomar, Gary, IN 46406
Norman D. Palos, Gary, IN 46408
Anthony Paluckis, Gary, IN 46408
Ferrell Pamela, Gary, IN 46406
J Pamela, Gary, IN 46402
Jackson Pamela, Gary, IN 46403
Montgomery Pamela, Gary, IN 46404
Robinson Pamela, Gary, IN 46405
Rogers Pamela, Gary, IN 46408
Threatt Pamela, Gary, IN 46402
Wilson Pamela, Gary, IN 46404
Wilson Pamela, Gary, IN 46407
Marjorie Pandy, Gary, IN 46408
Marjorie Pandy, Gary, IN 46402
Marjorie Pandy, Gary, IN 46409
Georgiann Pangere, Gary, IN 46406
Bogdan Pankiw, Gary, IN 46409
Cecilia V. Pankowski, Gary, IN 46408
John R. Pankowski, Gary, IN 46408
Kesia S. Pannell, Gary, IN 46404
Joaquim Panozzo, Gary, IN 46408
Morris Pansy, Gary, IN 46402
P Pantoja, Gary, IN 46402
Anna Papacalodoucas, Gary, IN 46402
Tom A. Papadakis, Gary, IN 46403
Carol K. Pappas, Gary, IN 46408
Donna J. Pappas, Gary, IN 46408
Frederick L. Pappas, Gary, IN 46408
James E. Pappas, Gary, IN 46403
Lauran R. Pappas, Gary, IN 46408
Nick Pappas, Gary, IN 46408
Sara Pappas, Gary, IN 46408
J Par, Gary, IN 46403
Janet Par, Gary, IN 46403
Darlene Paradine, Gary, IN 46406
Lela D. Paradine, Gary, IN 46406
Andrew N. Paradise, Gary, IN 46403
Shears Paralee, Gary, IN 46404
Stephen Parfenoff, Gary, IN 46403
Michael Parge, Gary, IN 46402
A Parham, Gary, IN 46407
Dionna S. Parham, Gary, IN 46402
Edward Parham, Gary, IN 46406
Jennifer Parham, Gary, IN 46404
Jeremiah Parham, Gary, IN 46408
Johnette Parham, Gary, IN 46408
Sierra Parham, Gary, IN 46408
A A. Paris, Gary, IN 46409
Douglas Paris, Gary, IN 46404
Michelle Paris, Gary, IN 46403
Paris Paris, Gary, IN 46402
Terrence Paris, Gary, IN 46406
Davis Parish, Gary, IN 46408
Lynn M. Parish, Gary, IN 46408
Sharon Parish, Gary, IN 46404
William Parish-iv, Gary, IN 46403
Bruce A. Parisi, Gary, IN 46408
Chu M. Parisi, Gary, IN 46408
Edward J. Parisi, Gary, IN 46403
Arley Park, Gary, IN 46404
Charles Park, Gary, IN 46404
Charles L. Park, Gary, IN 46404
Dorothy Park, Gary, IN 46408
Albert D. Parker, Gary, IN 46408
Albert W. Parker, Gary, IN 46408
Alice Parker, Gary, IN 46402
Alicia Parker, Gary, IN 46407
Alicia C. Parker, Gary, IN 46409
Amanda M. Parker, Gary, IN 46408
Amy Parker, Gary, IN 46409
Annie M. Parker, Gary, IN 46407
Anothy Parker, Gary, IN 46404
Anthony Parker, Gary, IN 46407
Arvin Parker, Gary, IN 46408
Aubrey D. Parker, Gary, IN 46406
Bessie L. Parker, Gary, IN 46407
Bonita J. Parker, Gary, IN 46407
Borhanta Parker, Gary, IN 46404
Calvin C. Parker, Lake Station, IN 46405
Carmalita M. Parker, Gary, IN 46407
Carmelitta M. Parker, Gary, IN 46404
Carmella Parker, Gary, IN 46407
Carmella Parker, Gary, IN 46408
Carol A. Parker, Lake Station, IN 46405

Same County

Name
Renel M. Whitaker, Gary, IN 46408
Robert Whitaker, Cedar Lake, IN 46303
Robert A. Whitaker, Merrillville, IN 46410
Roger R. Whitaker, Hammond, IN 46323
Russell W. Whitaker, Schererville, IN 46375
Samantha L. Whitaker, Highland, IN 46322
Sandra C. Whitaker, Crown Point, IN 46307
Suzette Whitaker, Cedar Lake, IN 46303
Tanisha Whitaker, East Chicago, IN 46312
Thomas M. Whitaker, Crown Point, IN 46307
Willie Whitaker, Gary, IN 46404
Francine Whitaker-moore, Gary, IN 46404
Elizabeth Whitam, Cedar Lake, IN 46303
Fred Whitbeck, East Chicago, IN 46312
Fred Whitbeck, East Chicago, IN 46312
Annie Whitby, Hammond, IN 46320
Kelvin Whitby, Gary, IN 46408
Kelvin Whitby, Gary, IN 46408
Kelvin Whitby, Gary, IN 46409
Lamar M. Whitby, Hammond, IN 46327
Pearl Whitby, Gary, IN 46408
Christopher J. Whitcomb, Hobart, IN 46342
Howard Whitcomb, Hammond, IN 46324
James A. Whitcomb, Hobart, IN 46342
Judith A. Whitcomb, Schererville, IN 46375
Nancy C. Whitcomb, Merrillville, IN 46410
Joan V. Whitcombe, Munster, IN 46321
Roxann R. Whitcombe, Crown Point, IN 46307
Roz J. Whitcombe, Saint John, IN 46373
A White, Gary, IN 46404
Aapri White, Gary, IN 46407
Abrian White, Gary, IN 46407
Adam White, Munster, IN 46321
Adam White, Schererville, IN 46375
Adriana White, Merrillville, IN 46410
Ahkeya White, Hammond, IN 46324
Ahkeya White, Hammond, IN 46324
Aimee White, Merrillville, IN 46410
Alan W. White, Griffith, IN 46319
Alan White, Gary, IN 46407
Albert E. White, Dyer, IN 46311
Albert W. White, Crown Point, IN 46307
Albert White, Crown Point, IN 46307
Alice H. White, Hobart, IN 46342
Alicia White, East Chicago, IN 46312
Alisha White, Hammond, IN 46320
Alissia White, Gary, IN 46408
Alissia White, Merrillville, IN 46410
Allecia White, Gary, IN 46407
Alma G. White, Merrillville, IN 46410
Alma G. White, Crown Point, IN 46307
Alma White, Gary, IN 46404
Alma White, Crown Point, IN 46307
Alma J. White, Crown Point, IN 46307
Amanda White, Griffith, IN 46319
Amanda L. White, Griffith, IN 46319
Amber White, Gary, IN 46408
Ami D. White, Highland, IN 46322
Amparo C. White, East Chicago, IN 46312
Amy S. White, Crown Point, IN 46307
Amy White, Cedar Lake, IN 46303
Amy White, Lowell, IN 46356
Anastasia M. White, Crown Point, IN 46307
Ancy White, Gary, IN 46408
Andre White, Gary, IN 46402
Andrea White, Griffith, IN 46319
Angel White, Hammond, IN 46320
Angel White, Hammond, IN 46320
Angel White, Gary, IN 46404
Angelych White, Gary, IN 46402
Anitka White, Gary, IN 46406
Anne White, Gary, IN 46403
Annette White, Gary, IN 46409
Annette White, Gary, IN 46404
Annie L. White, East Chicago, IN 46312
Annie M. White, Gary, IN 46407
Anthony S. White, Merrillville, IN 46410
Anthony D. White, Gary, IN 46408
Antionette White, Gary, IN 46406
Antoinette C. White, Schererville, IN 46375
Antonio White, Gary, IN 46403
Appollona White, Gary, IN 46407
Ardean Y. White, Gary, IN 46402
Arlene M. White, Hobart, IN 46342
Arnita White, Gary, IN 46407
Arnold White, Gary, IN 46408
Ashley White, Gary, IN 46408
Audrey White, Griffith, IN 46319
Auria M. White, Gary, IN 46407
B White, Gary, IN 46408
Barbara M. White, Munster, IN 46321
Barbara J. White, Gary, IN 46408
Barron K. White, East Chicago, IN 46312
Barron K. White, East Chicago, IN 46312
Beatrice D. White, Hammond, IN 46320
Benita White, East Chicago, IN 46312
Benita White, East Chicago, IN 46312
Benita L. White, East Chicago, IN 46312
Benito White, Merrillville, IN 46410
Benjamin P. White, Gary, IN 46407
Bennie H. White, Hammond, IN 46320
Benny White, Hammond, IN 46320
Benson White, Gary, IN 46407
Bessie S. White, East Chicago, IN 46312
Betta J. White, Dyer, IN 46311
Betty White, Hammond, IN 46323
Betty J. White, Merrillville, IN 46410
Bianca A. White, Hammond, IN 46320
Bianca A. White, Hammond, IN 46320
Bobbie White, Gary, IN 46407
Bobby J. White, Highland, IN 46322
Bonita L. White, Gary, IN 46403
Bonita White, Merrillville, IN 46410
Bonita J. White, Merrillville, IN 46410
Brandon M. White, Schererville, IN 46375
Brandon White, Hammond, IN 46320
Brashawn B. White, Merrillville, IN 46410
Brashawn White, Merrillville, IN 46410
Brenda White, Lake Station, IN 46405
Brenda D. White, Merrillville, IN 46410
Brian White, Gary, IN 46404
Brian A. White, Merrillville, IN 46410
Brian D. White, Crown Point, IN 46307
Brian White, Gary, IN 46409
Brian White, Hammond, IN 46320
Brianna L. White, Crown Point, IN 46307
Brooke A. White, Crown Point, IN 46307
Bruce W. White, Merrillville, IN 46410
Bruce A. White, Griffith, IN 46319
Bryce T. White, Hammond, IN 46320
Bryce T. White, Hammond, IN 46320
Byron White, Hammond, IN 46324
C White, Hammond, IN 46320
C White, Schererville, IN 46375
C White, East Chicago, IN 46312
Ca White, Gary, IN 46407
Calvin L. White, Merrillville, IN 46410
Camellia S. White, Highland, IN 46322
Carl W. White, Lake Station, IN 46405
Carl White, Hammond, IN 46320
Carl White, Crown Point, IN 46307
Carl White, Gary, IN 46407
Carlos C. White, East Chicago, IN 46312
Carmen L. White, Gary, IN 46408
Carneb White, Gary, IN 46407
Carol White, Hammond, IN 46325
Carol White, Lowell, IN 46356
Carole A. White, Munster, IN 46321
Carolyn N. White, Gary, IN 46403
Carolyn White, Gary, IN 46409

Demographics in ZIP 46406

51.8% are female
48.2% are male

48.2% of residents in ZIP 46406 are male and 51.8% are female. 23.1% of residents are married and 19.3% are divorced. 47.5% have never been married. 10.2% are widowed. The average size of resident families is 3.2.

Races in ZIP 46406

13.6% report being Hispanic

25.2% of residents in ZIP 46406 report their race as White. 61.4% report their race as Black or African American. 0.1% report their race as Asian. 0.4% report their race as American Indian and Alaska Native. 0% report their race as Native Hawaiian and Other Pacific Islander. 8.5% report their race as Some other race. 4.5% report their race as Two or more races. 13.6% report being Hispanic. Note: Hispanic is considered to be an ethnicity and not a race.

Education in ZIP 46406

64.1% have a Science and Engineering degree

18.9% of residents in ZIP 46406 have less than a high school education. 43.2% have a high school diploma but no more. 26% of residents have some college but no more. 8.5% have a bachelor's degree (or equivalent) but no more. 3.3% have a graduate degree. 64.1% have a Bachelor's degree or higher in a Science and Engineering (or related) field.

Household Income in ZIP 46406

Median household income: 33750
27.9% have two income earners
9.6% of households earn $100,000+

Median household income in ZIP 46406 is $33750 with 27.9% of families having two income earners. 9.6% of households earn at least $100,000. 4.4% of households have an income under $5,000, 4.7% from $5,000-$10,000, 2.8% from $10,000-$15,000, 6.8% from $15,000-$20,000, 8.1% from $20,000-$25,000, 24.5% from $25,000-$35,000, 17.4% from $35,000-$50,000, 12.2% from $50,000-$75,000, 9.5% from $75,000-$100,000, 5.9% from $100,000-$150,000 and 3.7% over $150,000. The median income of individuals is $25053.

Disclaimers

Image-Maps.com aggregates data from a variety of public record sources to better understand social and business trends. We are a simple website and not a Consumer Reporting Agency, this data is not meant to be used for any purpose listed under the Fair Credit Reporting Act (FCRA).