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Frederick Kull from Fairport, NY

Age 72
📍 10 Kerry Hl, Fairport, NY 14450
📞 (585) 377-9289, (716) 377-9289
✉️ fredkull@aol.com, fredkull@cox.net, fredkull@frontiernet.net, fredkull01@aol.com, fredkull01@cox.net
👨‍👩‍👧 Relatives: Melissa L Kull,Michael P Kull,Kull N Rose,Kimberly A Chizuk,Jena M Carsella,Walter Kull,Stephen C Kull,Jena M Kull,Rose N Kull
🏪 Guilt Free Golf

Frederick Kull from Fayetteville, GA

Age 63
📍 160 Inverness Shores Dr, Fayetteville, GA 30215
📞 (770) 460-0885, (305) 852-5748
✉️ fdjkb@cs.com
👨‍👩‍👧 Relatives: Deborah Snyderkull,Debby Kull,Deborah S Kull,Fred Kull,John F Kull,Kevin F Kull

Frederick Kull from Princeton Jct, NJ

Age 65
📍 5 Huntington Dr, Princeton Jct, NJ 08550
📞 (609) 397-0620, (609) 792-6854, (609) 799-9429, (609) 397-0620
👨‍👩‍👧 Relatives: Kull F Thomas,Frederick T Kull,Megan A Gelston,Kirsten Lynn Kull,Margaret F Kull

Frederick Kull from Hernando Beach, FL

Age 79
📍 4389 4th Isle Dr, Hernando Beach, FL 34607
📞 (352) 597-3273, (760) 746-2905
👨‍👩‍👧 Relatives: Joanne Brillant Brillantkull,Herbert Frederick Kull,Kara L Sawyer,Sheilagh M Parks,Joanne Brillantkull,Joanne Kull
🏪 Pool World

Frederick Kull from Lambertville, NJ

0
📍 625 Heath Ct, Lambertville, NJ 08530
📞 (609) 397-0620, (609) 799-9429, (609) 397-0620, (570) 875-1852, (609) 799-9429
👨‍👩‍👧 Relatives: Kull F Thomas,Frederick T Kull,Nancy K Litwinetz,Betty A Kull,Megan A Gelston,Kirsten Lynn Kull,Margaret F Kull

Frederick Kull from Santa Rosa, CA

Age 60 b. Jun 1965 Sonoma Co.
📍 6478 Timber Springs Dr
📞 (707) 539-3161, (207) 283-0997

Frederick Kull from Bloomfield, NJ

Age 71 b. Jun 1954 Essex Co.
📍 139 Weaver Ave
📞 (973) 748-2370

Frederick Kull from Tucker, GA

Age 102 b. Jul 1923 Dekalb Co.
📍 3973 Foxglove Rd
📞 (770) 939-8613

Frederick Kull from Durham, NC

Age 77 b. Oct 1948 Durham Co.
📍 506 Brookwood Dr
📞 (919) 489-0093

Frederick Kull from Iselin, NJ

Age 52
📍 104 Bender Ave, Iselin, NJ 08830
📞 (732) 548-4073, (908) 548-4073
👨‍👩‍👧 Relatives: Joanne M Kull,Eleanor K Kull

Frederick Kull from Lambertville, NJ

Age 78 b. May 1947 Hunterdon Co.
📍 625 Heath Ct
📞 (609) 397-0620

Frederick Kull from Iselin, NJ

Age 65 b. Jan 1961 Middlesex Co.
📍 104 Bender Ave
📞 (732) 548-4073

Frederick Kull from Fayetteville, GA

Age 75 b. Oct 1950 Fayette Co.
📍 160 Inverness Shores Dr
📞 (770) 460-0885

Frederick Kull from Wernersville, PA

Age 79 b. Dec 1946
📍 334 Wernersville Blvd
📞 (941) 485-4688

Frederick Kull from Campbell, CA

Age 61 b. Sep 1964 Santa Clara Co.
📍 695 Cypress Ln
📞 (408) 374-1636
👤 aka Kull Rick

Frederick Kull from Princeton Jct, NJ

Age 108 b. May 1917 Mercer Co.
📍 5 Huntington Dr
📞 (609) 799-9429

Frederick Kull from Durham, NC

Durham Co.
📍 3804 Saint Marks Rd
📞 (919) 489-3211

Frederick Kull from Suwanee, GA

Age 103 b. 1923 Male
📍 1220 Satellite Blvd Nw
📞 (678) 825-2566

Frederick Kull from Fort Washington, PA

Age 79 b. Dec 1946 Montgomery Co.
📍 Po Box 254

Frederick Kull from Vestal, NY

Age 91 b. Mar 1935 Broome Co.
📍 1156 Glenwood Rd

Frederick Kull from Rochester, PA

Age 78 b. Apr 1947 Beaver Co.
📍 49 Lacock Dwellings 49

Frederick Kull from Roselle, NJ

Age 64 b. Sep 1961 Union Co.
📍 111 E 1 St Ave

Frederick Kull from Crofton, MD

Anne Arundel Co.
📍 1732 Stratton Rd

Frederick Kull from Ashland, PA

Schuylkill Co.
📍 108 N 9th St

Frederick Kull from Newark, DE

New Castle Co.
📍 13 Queens Wa

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 25 contact records for Frederick Kull across 9 states. The most recent address on file is in Santa Rosa, California. Of these records, 18 include phone numbers and 2 include email addresses. Ages range from 52 to 79, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Kull Frederick

Sarasota County
PIN: 0403121024
· 1946 Settlement Rd 24 Bld 8, Nokomis 34275
Value: $52,000

Kull Frederick J

Fayette County
· 160 Inverness Shores Dr, Peachtree-City-Tyrone

Kull, Frederick W & Joanne M

Residential Middlesex County
· 104 Bender Ave, 088301307

Frederick T Kull

2021 Monroe County
· 10 Kerry, Perinton

Frederick T Kull

2023 Monroe County
· 10 Kerry, Perinton

Frederick T Kull

2022 Monroe County
· 10 Kerry, Perinton

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 6 property records linked to Frederick Kull in Peachtree-City-Tyrone. Values shown are from county assessor records and may differ from current market prices.

Frederick Kull

Fayetteville, 30215
DOB: 1/1/1950 Gender: Male
Congress: 003

Frederick J Kull

Unaffiliated
139 Weaver Ave, Bloomfield, 07003
DOB: 2/6/1954
County: Essex

Frederick J Kull

OTH Reg: 03/10/1976
49 Lacock Dwellings, Rochester, PA, 15074
DOB: 04/23/1947 Gender: Male

Frederick D Kull

Republican Reg: 01/09/2017
334 Wernersville Blvd, Wernersville, PA, 19565
DOB: 12/20/1946

Frederick Thomas Kull

3068 Appleblossom Trl, Spring Hill, , 346063156

Frederick John Kull

Reg: 19990311
160 Inverness Shores Dr, Fayetteville, 302155682
Gender: Male

frederick C kull

Republican Reg: 03/01/1972
3804 St Marks Rd, Durham, NC, 27707
DOB: 1919 Gender: Male
County: Durham

Frederick T Kull

Republican
10 Kerry Hl, 11, 14450
DOB: 19420530 Gender: Male

Frederick D Kull

334 Wernersville Blvd
DOB: 12/20/1946

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 9 voter registration records were found for Frederick Kull in Pennsylvania, , North Carolina. Records show affiliations with U, OTH, R, REP, which may reflect different individuals or changes over time. 2 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2012 Chevrolet Cruze
· Registered to: Frederick Kull
· VIN: 1G1PC5SH3C7350233
·
10 Kerry Hl, Fairport, NY, 14450-9180
·
(585) 377-9289
2009 FORD ESCAPE MINI SPORT UTILITY
· Registered to: Frederick Kull
· VIN: 1FMCU03709KC85189
·
160 Inverness Shores Dr, Fayetteville, GA, 30215
·
(770) 460-0885
2007 Gmc Sierra 1500
· Registered to: Frederick Kull
· VIN: 2GTEC13C571589246
·
1946 Settlement Rd, Venice, FL, 34285-6251
· Registered to: Frederick Kull
·
104 Bender Ave, Iselin, NJ, 08830
·
(732) 548-4073

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 4 vehicle registration records are associated with Frederick Kull. Registered makes include Chevrolet, Ford, Gmc, N. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Toyota

Frederick KullSales Customer
(609) 792-6854fkull@ix.netcom.com
5 Huntington Dr, Princeton Jct, NJ8550
singh-ray.com

Toyota

Frederick KullSales Customer
(609) 792-6854fkull@ix.netcom.com
5 Huntington Dr, Princeton Jct, NJ8550

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 3 business affiliations were found for Frederick Kull. Companies include Toyota. Roles listed include Sales Customer. Records are compiled from state business registries, SEC filings, and professional networking databases.

Fred Kull Financial Advisers, INC.

Addr: 5944 Luther Lane Ste 400, Dallas, TX, 75225
TX
Agent: Frederick Kull

Unknown Corporation

Addr: 5944 Luther Lane Ste 400, Dallas, TX, 75225
TX
Officer: Frederick H Kull

Source: Public Records Frederick Kull appears in 2 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Inventor Record

Frederick Kull - Durham

Source: USPTO Patent Database · U.S. Patent & Trademark Office Frederick Kull is listed as an inventor or co-inventor on 1 USPTO patent. Patent data is public information published by the United States Patent and Trademark Office upon grant or application publication.

Frederick Kull

Riverside High School - Durham, NC, NC
2000

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Frederick Kull 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.

$50 Apr 27, 1998
1998 REP
Sauerbrey, Ellen R & Bennett, Richard D
Kull, Frederick J Crofton, MD
$35 Aug 24, 1999
2002 REP
Mooney, Alex X
Kull, Frederick J Crofton, MD
$50 Nov 6, 2003
2004 REP
Ehrlich Jr, Robert L (g)
Kull, Frederick Crofton, MD
$50 May 5, 1998
1998 REP
Baldwin, Robert C
Kull, Frederick Crofton, MD
$50 Sep 23, 2003
2004 REP
Ehrlich Jr, Robert L (g)
Kull, Frederick Crofton, MD
$1,000 Jul 24, 2000
2000 REP
Bush, George W
Kull, Frederick Investme @ Fred Kull Financial Advice Dallas, TX
$100 Jun 19, 2002
2002 REP
Greenip, Janet
Kull, Frederick J Crofton, MD
$5 Apr 9, 2014
2014
American Leadership Fund
Kull, Frederick J Suwanee, GA
$50 Oct 29, 1998
1998 REP
Sauerbrey, Ellen R & Bennett, Richard D
Kull, Frederick J Crofton, MD
$35 May 21, 1999
2002 REP
Boschert, David
Kull, Frederick J Crofton, MD
$50 Aug 13, 1997
1998 REP
Sauerbrey, Ellen R & Bennett, Richard D
Kull, Frederick J Crofton, MD
$5 Apr 9, 2014
American Leadership Fund
Contributor Suwanee, GA
$5
2014
American Leadership Fund
Contributor Suwanee, GA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 13 political contribution records found for Frederick Kull. Total disclosed contributions amount to $1,485. Recipients include American Leadership Fund. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Frederick D Kull

Age 70 Male
·
334 Wernersville Blvd, Wernersville, PA 19565 (Berks County)
40.3267, -76.0856
Marital: Married TZ: Eastern
Edu: High School
Single Family
MP

Frederick Kull

Age 70 Male
·
49 Lacock Dwellings, Rochester, PA 15074 (Beaver County)
40.6974, -80.2619
· (724) 728-0355
TZ: Eastern
Single Family
MP

Frederick Kull

Age 70 Male
·
625 Heath Ct, Lambertville, NJ 08530 (Hunterdon County)
40.3763, -74.9446
· (609) 799-9429
TZ: Eastern
Homeowner Single Family Built 2005 Purchased 2005
MP

Frederick W Kull

Age 55 Male
·
104 Bender Ave, Iselin, NJ 08830 (Middlesex County)
40.5783, -74.3348
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1946 Purchased 1998
MP

Frederick T Kull

Age 75 Male
·
10 Kerry Hl, Fairport, NY 14450 (Monroe County)
43.1121, -77.4111
· (585) 377-1681
Marital: Married TZ: Eastern
Homeowner Single Family Built 1988
MP

Frederick J Kull

Age 94 Male
·
PO Box 7335, Chestnut Mtn, GA 30502 (Hall County)
34.1723, -83.8384
TZ: Eastern
Multi-Family
MP

Frederick Kull

Male
·
695 Cypress Ln, Campbell, CA 95008 (Santa Clara County)
37.2910, -121.9380
· (408) 374-1636
TZ: Pacific
Homeowner Single Family Built 1980 Purchased 1995
MP

Frederick J Kull

Age 66 Male
·
160 Inverness Shores Dr, Fayetteville, GA 30215 (Fayette County)
33.3703, -84.5252
· (770) 460-7032
Marital: Married TZ: Eastern
Homeowner Single Family Built 1998 Purchased 1998
MP

Frederick J Kull

Age 63 Male
·
139 Weaver Ave, Bloomfield, NJ 07003 (Essex County)
40.7894, -74.1850
· (973) 748-2370
Marital: Married TZ: Eastern
Occ: Professional Edu: Some College
Homeowner Single Family Built 1910 Purchased 2006
MP

Frederick Kull

Male
·
218 Brook Holw, Hanover, NH 03755 (Grafton County)
43.7114, -72.2706
TZ: Eastern
Single Family
MP

Frederick J Kull

Male
·
8 Ridge Rd, Enfield, NH 03748 (Grafton County)
43.6126, -72.1186
· (603) 632-4517
Marital: Married TZ: Eastern
Homeowner Single Family Built 2001
MP

Frederick J Kull

Age 82 Male
·
260 Poverty Ln, Lebanon, NH 03766 (Grafton County)
43.6054, -72.2885
· (603) 448-2237
Marital: Married TZ: Eastern
Occ: White Collar Edu: Some College
Homeowner Single Family Built 1790
MP

Frederick C Kull

Age 68 Male
·
506 Brookwood Dr, Durham, NC 27707 (Durham County)
35.9683, -78.9288
· (919) 489-3211
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1968

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 13 demographic profiles associated with Frederick Kull. 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 Frederick Kull. These loans were issued to businesses, not individuals.

Highball Media Group

Corporation

$20,833 Exemption 4
Address:
8 Ridge Rd
Cos Cob, CT06807-2308
Approved

May 17, 2020

Jobs Reported

1

Loan #

7804957408

Loan Size

Small

Carella Consulting LLC

Corporation

$6,667 Paid in Full
Address:
5 Huntington Dr
Randolph, NJ07869-2119
Approved

Feb 27, 2021

Forgiven

$6,727

Jobs Reported

1

Loan #

5119298508

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 2 PPP loan records are linked to businesses associated with Frederick Kull. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Frederick Kull on the map

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Found 63 results across 11 states

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Frederick Kull in Fayetteville, GA: Background Summary

Location
160 Inverness Shores Dr,Fayetteville, GA 30215, Fayetteville, GA
Other Locations
Santa Rosa, CA · Bloomfield, NJ · Tucker, GA and 15 more
Profiles Found
25 people with this name
Phone Numbers
(585) 377-9289 and 14 others on file
Email
fredkull@aol.com and 5 others on file
Possible Relatives
Melissa L Kull, Michael P Kull, Kull N Rose, Kimberly A Chizuk, Jena M Carsella and 25 more
Career
Sales Customer at Toyota
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
4 linked — 2012 Chevrolet Cruze, 2009 Ford Escape and 2 more
Contributions
$1,485 total — American Leadership Fund, American Leadership Fund
PPP Loans
$27,500 for Highball Media Group, Carella Consulting 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 Frederick Kull. Because public records are indexed by name rather than by a unique identifier, the 89 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.

Patent Filings

Patent data is drawn from the United States Patent and Trademark Office (USPTO). Being listed as an inventor on a patent means this individual is credited as having made a substantive intellectual contribution to the invention described in the patent application. Patent records include the filing date, grant date, patent number, and a description of the invention. A patent listing does not indicate that the inventor currently owns the patent rights — patents are frequently assigned to employers or transferred between entities after they are granted.

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 Frederick Kull

Search Complexity: High

89 public records across 11states, belonging to approximately 25 different individuals. With 25 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: New Jersey (18%), followed by Georgia and Pennsylvania. Spans the Northeast and South regions.

NJ16recordsGA10recordsPA10recordsNC7recordsCA6recordsNY4records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (47%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (13) and Voter Registration Records (9).

35
Contact & Address Records
13
Political Contribution Records
9
Voter Registration Records
6
Property Ownership Records
4
Vehicle Registration Records
3
Business & Corporate Filings

Age Distribution

Age range: approximately 57 years, suggesting multiple generations. Largest group: Senior (65+) (69%).

Senior (65+)9peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About Frederick Kull

Is Frederick Kull a registered voter?
Yes, voter registration records show Frederick Kull is registered. We found 9 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Frederick Kull own property?
County assessor records show 6 properties associated with Frederick Kull . 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 Frederick Kull?
Records show 4 vehicle registrations associated with Frederick Kull, including a 2012 Chevrolet Cruze. Registered makes include Chevrolet, Ford, Gmc, N. 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 Frederick Kull?
We found 3 business affiliations for Frederick Kull (sales customer). Business records are compiled from state registries, SEC filings, and professional databases.
Has Frederick Kull made political donations?
FEC disclosure records show 13 reported political contributions from Frederick Kull, totaling $1,485. Recipients include American Leadership Fund. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Frederick Kull?
Our database contains 89 total records for Frederick Kull spanning 11 states. This includes 25 distinct contact records, 18 with phone numbers, 2 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 Frederick Kull?
The 89 records displayed for Frederick Kull 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 Frederick Kull 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.