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Ann Omara from Preston, MN

Age 63 b. Jan 1963 Fillmore Co.
📍 145 Fillmore St W
📞 (203) 469-5669, (507) 467-2492
👤 aka Ann S Bertler

Ann Omara from Brick, NJ

Age 80
📍 45 Seaview Ave, Brick, NJ 08723
📞 (732) 255-7191, (732) 787-4731
👨‍👩‍👧 Relatives: William F Omara,Mary O Tindall,Thomas M Omara,William F Omara

Ann Omara from Andover, MN

Age 56 b. Jan 1970 Anoka Co.
📍 17438 Poppy St Nw
📞 (763) 753-0224

Ann Omara from Bethel Park, PA

Age 79 b. 1947 Allegheny Co.
📍 5780 Glen Ora Dr
📞 (412) 835-2990

Ann Omara from Port Monmouth, NJ

Age 91 b. Apr 1934
📍 21 Willow St
📞 (918) 438-0858
👤 aka Ann M Mara

Ann Omara from Rockville, MD

Age 75 b. Dec 1950 Montgomery Co.
📍 11510 S Glen Rd
📞 (301) 299-1775

Ann Omara from Reidsville, NC

Age 85 b. Aug 1940 Rockingham Co.
📍 2520 Sunnycrest Dr
📞 (336) 342-2591

Ann Omara from White, GA

Age 65 b. Jul 1960
📍 190 Rhine Rd Se
📞 (770) 363-8628
👤 aka Frances Ann Omara, F Ann Omara, Fraces Omaden

Ann Omara from Pasadena, CA

Age 62 b. May 1963 Los Angeles Co.
📍 1111 E Elizabeth St
📞 (626) 799-5244

Ann Marie Omara from Cranston, RI

Age 57
📍 5 Cheryls Way, Cranston, RI 02921

Ann Omara from Parker, CO

Age 64 b. Oct 1961 Douglas Co.
📍 5009 Bur Oak Ln
👤 aka O Ann

Ann Omara from Grapevine, TX

Age 64 b. Oct 1961 Tarrant Co.
📍 3412 Parr Rd

Ann Omara from New Haven, CT

Age 65 b. Dec 1960
📍 137 Fort Hale Rd

Ann Omara from Coon Rapids, MN

Age 56 b. Jan 1970 Anoka Co.
📍 11350 Robinson Dr Nw Apt 112

Ann Omara from East Haddam, CT

Age 65 b. Dec 1960 Middlesex Co.
📍 180 Sheepskin Hollow Rd

Ann Omara from San Francisco, CA

Age 71 b. Feb 1955 San Francisco Co.
📍 3501 Fillmore St Apt 104

Ann Omara from Brick, NJ

Age 91 b. Apr 1934 Ocean Co.
📍 45 Seaview Ave

Ann Omara from Spencer, IA

Age 92 b. 1934 Female
📍 1503 12th Ave Se
💼 1702
📞 (607) 739-5762

Ann Omara from Bellevue, WA

King Co.
📍 1302 102nd Ave Ne
📞 (803) 321-6092
👤 aka Ann Marie Omara

Ann Omara from Palm Springs, CA

Riverside Co.
📍 1212 E Sierra Way

Ann Omara from Union City, NJ

📍 726 8th St

Ann Omara from Horseheads, NY

Chemung Co.
📍 260 Oak Hill Rd

Ann Omara from Jersey City, NJ

Hudson Co.
📍 120 Ogden Ave

Ann Omara from San Francisco, CA

San Francisco Co.
📍 3501 Fillmore St 104

Ann Omara from Fairview, NJ

📍 648 Prospect Ave
👤 aka Ann Ma Mara, Ann Omara, Ann Margar Ambrosia

Ann Omara from Reidsville, NC

Rockingham Co.
📍 Rr 9 Po Box 95

Ann Omara from Washington, DC

District Of Columbia Co.
📍 2450 Virginia Ave

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 27 contact records for Ann Omara across 15 states. The most recent address on file is in Preston, Minnesota. Of these records, 11 include phone numbers. Ages range from 57 to 80, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Omara Ann

PIN: 799410455273
· 2520 Sunnycrest Dr, NC
Built: 1965.0
Assessed: $143,440

Omara Ann

· 2520 Sunnycrest Dr, NC
Built: 1965.0
Assessed: $143,440

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

Ann L Omara

Democrat
120 Ogden Ave, Jersey City, 07307
DOB: 11/4/1945
County: Hudson

Ann M Omara

Democrat Reg: 09/01/1971
5780 Glen Ora Dr, Bethel Park, PA, 15102
DOB: 03/12/1947 Gender: Female

Ann M Omara

Unaffiliated
11510 Glen Rd, Potomac, MD, 20854
Gender: Female
County: Montgomery

Ann L Omara

Republican
84 Oak Hill Rd, 4, 14845
DOB: 19341025 Gender: Female

Ann M Omara

5780 Glen Ora Dr
DOB: 03/12/1947 Gender: Female

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 5 voter registration records were found for Ann Omara in Pennsylvania, Maryland. Records show affiliations with D, UNA, REP, which may reflect different individuals or changes over time. 1 registration is currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2011 Honda Accord Crosstour
· Registered to: Ann Omara
· VIN: 5J6TF2H50BL003984
·
50 Conanicus Rd, Narragansett, RI, 02882-2437
2013 Hyundai Sonata
· Registered to: Ann Omara
· VIN: 5NPEC4AC4DH641237
·
11510 Glen Rd, Potomac, MD, 20854
·
(301) 807-8538
2012 HYUNDAI SONATA
· Registered to: Ann Omara
· VIN: 5NPEB4AC9CH449913
·
45 Seaview Ave, Brick, NJ, 08723-7217
·
(732) 255-7191

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 3 vehicle registration records are associated with Ann Omara. Registered makes include Honda, Hyundai. 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.

Ann Omara

Manager
Medica
Minneapolis, Minnesota, United States Insurance
ann.omara@medica.com
LinkedIn

Ann Omara

Manager
Medica
Minnesota
ann.omara@medica.com
LinkedIn

Ann OMara

United States

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 4 business affiliations were found for Ann Omara. Companies include Medica. Records are compiled from state business registries, SEC filings, and professional networking databases.

Ann OMara

De La Salle High School - Minneapolis, MN, MN
1988

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Ann Omara 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.

$1 Apr 1, 2017
2018 DEM
Actblue
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$2,000 May 24, 2004
2004 REP
Omara, Tom
Omara, Ann Homemaker Horseheads, NY
$15 Apr 1, 2017
2018 DEM
Democratic Congressional Campaign Committee
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$1,000 May 15, 2008
2008 REP
Omara, Thomas F
Omara, Ann L Horseheads, NY
$1 Jul 1, 2017
2018 DEM
Actblue
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$2,300 Jun 22, 2007
2008 REP
Thompson, Fred Dalton
Omara, Ann L Homemaker Horseheads, NY
$1 Aug 1, 2017
2018 DEM
Actblue
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$1 Feb 1, 2017
2018 DEM
Actblue
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Dec 1, 2017
2018 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Jul 1, 2019
2020 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$1,000 Sep 10, 2004
2004
O Mara, Tom
Omara, Ann L Homemaker Horseheads, NY
$2,000 Sep 28, 2010
2010 REP
Omara, Thomas F
Omara, Ann L Horseheads, NY
$15 Jul 1, 2017
2018 DEM
Democratic Congressional Campaign Committee
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Aug 1, 2017
2018 DEM
Democratic Congressional Campaign Committee
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$2,000 Oct 20, 2004
2004 REP
Omara, Tom
Omara, Ann L Homemaker Horseheads, NY
$15 Feb 1, 2017
2018 DEM
Democratic Congressional Campaign Committee
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Jan 1, 2018
2018 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Jun 1, 2018
2018 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$25 Jun 2, 2020
2020 DEM
Harrison, Jaime
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Sep 1, 2017
2018 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Jun 1, 2020
2020 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Jun 1, 2019
2020 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$1 Nov 1, 2017
2018 DEM
Actblue
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$1,000 Jul 7, 2005
2006 R
Republican Assembly Campaign Cmte Of New York
Omara, Ann Horseheads, NY
$1,000 Sep 10, 2004
2004 REP
Omara, Tom
Omara, Ann L Homemaker Horseheads, NY
$1 Oct 1, 2017
2018 DEM
Actblue
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$1,000 Jun 21, 2007
2008
Wetmore, Weeden
Omara, Ann Homemaker Horseheads, NY
$1,000 Aug 29, 2000
2000 REP
Lazio, Rick A
Omara, Ann Homemaker Horseheads, NY
$15 Mar 1, 2020
2020 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$1,000 Jul 6, 2011
2012 REP
Omara, Thomas F
Omara, Ann L Horseheads, NY
$15 Feb 1, 2018
2018 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$1,000 Dec 17, 1990
1990 REP
D'Amato, Alfonse M
Omara, Ann Housewife Horseheads, NY
$15 Oct 1, 2018
2018 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Jul 1, 2019
2020 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Nov 1, 2020
2020 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$2,300 Jun 22, 2007
2008
Friends of Fred Thompson
Omara, Ann L Homemaker Horseheads, NY
$1,000 Aug 23, 2002
2002 REP
Hastert, J Dennis
Omara, Ann Elmira, NY
$25 Sep 18, 2020
2020 DEM
Harrison, Jaime
Omara, Ann Pasadena Unified School District Pasadena, CA
$15 May 1, 2017
2018 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Mar 1, 2017
2018 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$20 Nov 19, 2020
2020 REP
Klacik, Kimberly
Omara, Ann Retired White, GA
$1,000 Aug 25, 2010
2010 REP
Omara, Thomas F
Omara, Ann L Horseheads, NY
$15 Nov 1, 2017
2018 DEM
Democratic Congressional Campaign Committee
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Oct 1, 2017
2018 DEM
Democratic Congressional Campaign Committee
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$25 Jun 2, 2020
2020 DEM
McGrath, Amy
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Mar 1, 2018
2018 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$3 Sep 19, 2020
2020
Progressive Turnout Project
Omara, Ann Pasadena Unified School District Pasadena, CA
$25 Jun 2, 2020
2020 DEM
Harrison, Jaime
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$15 Jun 1, 2017
2018 DEM
Dccc
Omara, Ann Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$500 Oct 14, 2008
2008 REP
Winner Jr, George H
Omara, Ann L Horseheads, NY
$1 Jul 1, 2017
DEM
Actblue
Contributor Speech Language Pathologist @ Pasadena Unified School District Pasadena, CA
$1,000 Aug 23, 2002
Unknown Committee
OMara, Ann Elmira, NY
$2,000
2004 R
Omara, Tom
Contributor Horseheads, NY

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 53 political contribution records found for Ann Omara. Total disclosed contributions amount to $24,560. Recipients include Actblue, Omara, Tom. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Ann Omara

Age 47 Female
·
17438 Poppy St NW, Andover, MN 55304 (Anoka County)
45.2873, -93.3518
· (763) 753-0224
Marital: Married TZ: Central
Homeowner Single Family Built 1993
MP

Ann M Omara

Age 70 Female
·
5780 Glen Ora Dr, Bethel Park, PA 15102 (Allegheny County)
40.3100, -80.0420
· (412) 835-2990
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1970 Purchased 1999
MP

Ann M Omara

Age 83 Female
·
45 Seaview Ave, Brick, NJ 08723 (Ocean County)
40.0246, -74.1304
· (732) 255-7191
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1983 Purchased 1984
MP

Ann M Omara

Age 52 Female
·
50 Conanicus Rd, Narragansett, RI 02882 (Washington County)
41.4792, -71.4397
· (401) 788-0986
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1976 Purchased 2013
MP

Ann B Omara

Age 81 Female
·
2520 Sunnycrest Dr, Reidsville, NC 27320 (Rockingham County)
36.3451, -79.6960
· (336) 339-9175
Marital: Single TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1965 Purchased 1986
MP

Ann C Omara

Age 54 Female
·
1111 E Elizabeth St, Pasadena, CA 91104 (Los Angeles County)
34.1734, -118.1270
Marital: Single TZ: Pacific
Homeowner Single Family
MP

Ann L Omara

Age 82 Female
·
84 Oak Hill Rd, Horseheads, NY 14845 (Chemung County)
42.1838, -76.8427
· (607) 739-5762
Marital: Married TZ: Eastern
Occ: Technical Edu: Graduate School
Homeowner Single Family Built 1967

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with Ann Omara. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find Ann Omara on the map

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Found 51 results across 16 states

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Ann Omara in Preston, MN: Background Summary

Location
145 Fillmore St W, Preston, MN 55965
Other Locations
Andover, MN · Bethel Park, PA · Port Monmouth, NJ and 20 more
Profiles Found
27 people with this name
Phone Numbers
(203) 469-5669 and 11 others on file
Possible Relatives
William F Omara, Mary O Tindall, Thomas M Omara
Career
Medica
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
3 linked — 2011 Honda Accord Crosstour, 2013 Hyundai Sonata and 1 more
Contributions
$24.6K total — Omara, Tom, Actblue

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 Ann Omara. Because public records are indexed by name rather than by a unique identifier, the 108 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.

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 Ann Omara

Search Complexity: High

108 public records across 16states, belonging to approximately 27 different individuals. With 27 distinct profiles across 16 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 16 states. Highest concentration: New Jersey (7%), followed by California and Minnesota. Spans the Northeast and South regions.

NJ8recordsCA6recordsMN6recordsNC5recordsPA5recordsNY4records

Record Type Breakdown

Data spans 6 record categories. Largest: Political Contribution Records (53%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (33) and Voter Registration Records (5).

53
Political Contribution Records
33
Contact & Address Records
5
Voter Registration Records
4
Business & Corporate Filings
3
Vehicle Registration Records
2
Property Ownership Records

Age Distribution

Age range: approximately 36 years, suggesting multiple generations. Largest group: Senior (65+) (73%).

Senior (65+)8peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Ann Omara

Is Ann Omara a registered voter?
Yes, voter registration records show Ann Omara is registered with D affiliation. We found 5 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Ann Omara own property?
County assessor records show 2 properties associated with Ann Omara . 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 Ann Omara?
Records show 3 vehicle registrations associated with Ann Omara, including a 2011 Honda Accord Crosstour. Registered makes include Honda, Hyundai. 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 Ann Omara?
We found 4 business affiliations for Ann Omara, including medica. Business records are compiled from state registries, SEC filings, and professional databases.
Has Ann Omara made political donations?
FEC disclosure records show 53 reported political contributions from Ann Omara, totaling $24,560. Recipients include Actblue and Omara, Tom. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Ann Omara?
Our database contains 108 total records for Ann Omara spanning 16 states. This includes 27 distinct contact records, 11 with phone numbers. 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 Ann Omara?
The 108 records displayed for Ann Omara 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 Ann Omara 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.