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Heather Schramm

Age 40 b. 1986-01-09
📍 40 Matthews Rd, Bells Tn 38006
📞 (731) 616-4875, (901) 288-3757
✉️ HSCHRAMM36@YAHOO.COM, hschramm36@yahoo.com

Ms Heather Elizabeth Schramm from Weeki Wachee, FL

Age 49 b. 7/26/1976
📍 10032 Scarlett Ct, #weeki Wachee, FL 34613-4041
👨‍👩‍👧 Relatives: Derek D Schramm,Bonnie J Stoner,David A Schramm,David A Schramm,Melissa Dawn Collins,Roy M Collins,Sarah A Collins,Aidan Collins,Ami Y Blackwell,Bryan R Stoner Sr,Dianna A Bell,Don Collins,Donald Ray Collins Jr,Emily M Henning,Hannah K Reeves,Heather Schurman,Justin Daniel Walters,Kathy A Collins,Laura L Schramm,Marc A Stoner,Mary T Schramm,Mathew N Stoner,Megan Allyson Collins,Melinda R Schramm,Melissa A Walters,Michael T Collins,Nancy L Schramm,Patricia C Bennett,Randy S Collins Jr,Richard C Scannell,Robert L Walters,Robert Lee Walters,Sandra L Coulter,Sean P Anding,Stephanie L Walters,Terrence W Schramm,Alissa P Schramm,David J Thomas Jr,Frank H Bennett Jr,Jeffery A Bell,Jeffrey P Blackwell,Kiersten E Jensen,Lynette Diann Morris,Michele Lynn Mcniff,Sandra D Henning,Terrence D Collins,William R Jeter
🕐 16 previous addresses

Heather Schramm

Age 49 b. 1976-04-15
📍 340 J St, Lincoln Ca
📞 (916) 295-0498, (916) 295-0498
✉️ BUTTERFLY2HA@YAHOO.COM

Heather Schramm from Valencia, CA

Age 45 b. Jul 1980 Los Angeles Co.
📍 23933 Via Hamaca
📞 (661) 259-7878, (661) 259-9426
👤 aka Heather L Schramm, Heather L Schraff

Heather Ann Schramm from Racine, WI

Age 55 b. 9/25/1970
📍 624 Grove Ave, #racine, WI 53405-2515
👨‍👩‍👧 Relatives: David J Lewis,Hallie L Lewis,Sydney Renee Lewis
🕐 4 previous addresses

Heather Schramm from Minneapolis, MN

Age 61 b. Jan 1965 Hennepin Co.
📍 4014 Dupont Ave N
📞 (612) 522-8173

Heather Schramm from Washington, PA

Age 51 b. May 1974 Washington Co.
📍 130 E Katherine Ave
📞 (847) 587-6028

Heather Schramm from Whitewater, WI

Age 61 b. Jan 1965 Walworth Co.
📍 W5405 Greening Rd
📞 (262) 495-4260

Heather Schramm from Amberg, WI

Age 61 b. Jun 1964 Marinette Co.
📍 8414 N Hwy V
📞 (715) 856-6352

Heather Schramm

📍 4421 Vermaas Ave Fl 1, Toledo Oh
📞 (419) 356-8534, (419) 356-8534
✉️ HEATHERRSCHRAMM@GMAIL.COM

Heather Schramm from Fort Irwin, CA

San Bernardino Co.
📍 3694 Santiago St Apt C
📞 (602) 814-9611

Heather Schramm from Batavia, NY

Female
📍 403 Ellicott St
📞 (585) 313-1951 (VERIZON WIRELESS)

Heather Schramm from Baton Rouge, LA

Age 48 b. 1978 Female
📍 14836 Audubon Lakes Dr
📞 (225) 766-4419

Heather Schramm from Baton Rouge, LA

Age 47 b. May 1978 East Baton Rouge Co.
📍 901 Woodhue Dr

Heather Schramm from New Bloomington, OH

Age 54 b. Jun 1971
📍 2183 Agosta Meeker Rd N
👤 aka Heather Michelle Adams, Heather Lee Walters, H Adams

Heather Schramm from Wahiawa, HI

Age 84 b. Sep 1941 Honolulu Co.
📍 4941 Kaena Lo C
👤 aka Heather Schramm

Heather Schramm from Amberg, WI

Marinette Co.
📍 Po Box 97
📞 (715) 759-5455

Heather Schramm from Parker, CO

Age 29 b. 1997 Female
📍 13857 Ashgrove Cir

Heather Schramm from Lehi, UT

Utah Co.
📍 165 E 200 N

Heather Schramm from Gatesville, TX

📍 616 Old Pidcoke Rd

Heather Schramm from Blaine, OH

Belmont Co.
📍 RD

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 21 contact records for Heather Schramm across 12 states. The most recent address on file is in Valencia, California. Of these records, 13 include phone numbers and 3 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Schramm Heather

Marinette County
PIN: 075002-00552.002
Lot: 1,536,494sqft

Schramm Heather

Marinette County

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

Heather Anne Schramm

NF Reg: 01/02/2005
412 Fifth St, Dunmore, PA, 18512
DOB: 12/11/1980 Gender: Female

Heather V Schramm

Independent Reg: 10/23/2011
2532 Allegheny Dr, Blakeslee, PA, 18610
DOB: 11/02/1987

Heather B Schramm

Republican Reg: 10/24/2008
208 Pittview Rd, Pittsburgh, PA, 15237
DOB: 07/13/1990 Gender: Female

Heather Elizabeth Schramm

10032 Scarlett Ct, Weeki Wachee, , 34613

Heather M Schramm

Republican
100 North Pointe Ter, Middletown, MD, 21769
Gender: Female
County: Frederick

Heather B Schramm

208 Pittview Rd
DOB: 07/13/1990 Gender: Female

Heather Serina Schramm

Reg: 06/21/2010
127 25th St, Vancouver, WA, 98660
DOB: 03/10/1986 Gender: Female
County: CR

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 7 voter registration records were found for Heather Schramm in Pennsylvania, , Maryland and 1 other state. Records show affiliations with NF, I, R, REP, which may reflect different individuals or changes over time. 3 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.

2005 Acura TL
· Registered to: Heather Schramm
· VIN: 19UUA66245A029322
·
14836 Audubon Lakes Dr, Baton Rouge, LA, 70810
·
(504) 309-0669
2009 Acura Tsx
· Registered to: Heather Schramm
· VIN: JH4CU26679C007272
·
4911 Tarcoola Ln, Highlands Ranch, CO, 80130
2007 Gmc Yukon
· Registered to: Heather Schramm
· VIN: 1GKFC13007R249475
·
14836 Audubon Lakes Dr, Baton Rouge, LA, 70810-8419
·
(504) 309-0669
2018 FORD EXPEDITION
· Registered to: Heather Schramm
· VIN: 1FMJU1LT5JEA30101
·
2404 Parkchase Cir, Mesquite, TX, 75181
·
(214) 769-0072

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 4 vehicle registration records are associated with Heather Schramm. Registered makes include Acura, Gmc, Ford. 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.

Michael Irwin

Md
+13526845567
Spring Hill,

Hello Arizona Inc

Manager
(480) 949-9592
Scottsdale, AZ
Business Services (Services)

Strong Poss-Abilites Incorporated

Heather SchrammVice President; Chairperson of the Board
Windsor Locks, CT

Heather Schramm

Assistant Bra
Pnc
Allison Park, Pennsylvania, United States
LinkedIn

Heather Schramm

Assistant Bra
Pnc
Pennsylvania
LinkedIn

Hello Arizona Inc

Heather SchrammGeneral Manager
(480) 949-9592hschramm@hello-arizona.com
Scottsdale, AZ

Middletown Volunteer Fire Company

Heather SchrammFirefighter
(301) 371-9000heather.schramm@middletownvfd.org
Middletown, MD

Hello Arizona

Heather SchrammGeneral Manager
(480) 949-9592
Scottsdale, AZ

Heather Schramm

Graduate of Coastal Carol · Conway, South Carolina

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 19 business affiliations were found for Heather Schramm. Companies include Hello Arizona Inc, Pnc, Middletown Volunteer Fire Company and 1 more. Roles listed include Md and Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: 14836 Audubon Lakes Dr, Baton Rouge, LOUISIANA, 70810
LOUISIANA
Officer: Heather Schramm

Schramm Financial Group, L.l.c.

Addr: 14836 Audubon Lakes Dr, Baton Rouge, LA, 70810
LA
Member: Heather Schramm

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

heather schramm

Nonres Life & Variable Annuity
VALID
License # W262066
Addr: Baton Rouge, LA

Heather Schramm

Cosmo
NOT RENEWED
License # 011266950
Firm: Heather A Schramm
Addr: Arlington Heights, IL 60004

heather schramm

Cosmo
NOT RENEWED
License # 011266950
Addr: Arlington Heights, IL 60004
County: Cook
Issued: Jun 7, 2004 Exp: Jan 31, 2022

Licensed Professional

Heather Marie Schramm

Registered Nurse Temporary Practice Perm...
CLOSED

Source: State Professional Licensing Boards · Dept. of Professional Regulation Heather Schramm holds 5 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Inventor Record

Heather Schramm - WI

Source: USPTO Patent Database · U.S. Patent & Trademark Office Heather Schramm 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.

Heather M Schramm

Group Tour
Dec 20, 2012, 09:00 AM
· WH

Source: White House Visitor Logs · Obama Administration Transparency Initiative · NARA Heather Schramm appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

Heather Schramm

Bremen High School - Bremen, GA, GA
1998

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Heather Schramm 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.

$25 Jan 21, 2015
2016
Ohio Education Assoc Fund For Children And Public Education
Schramm, Heather M Woodridge Local Sd Cuyahoga Falls, OH
$25 Jan 21, 2015
Ohio Education Assoc Fund For Children And Public Education
Contributor Woodridge Local Sd Cuyahoga Falls, OH
$25
2016
Ohio Education Assoc Fund For Children And Public Education
Contributor Woodridge Local Sd Cuyahoga Falls, OH

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 3 political contribution records found for Heather Schramm. Total disclosed contributions amount to $75. Recipients include Ohio Education Assoc Fund For Children And Public Education. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Heather Schramm

Age 29 Female
·
PO Box 1698, Trout Creek, MT 59874 (Sanders County)
47.8717, -115.7180
Marital: Single TZ: Mountain
Occ: Professional Edu: High School
MP

Heather M Schramm

Age 36 Female
·
3640 Eakins Rd, Cuyahoga Fls, OH 44223 (Summit County)
41.1839, -81.5135
Marital: Married TZ: Eastern
Homeowner Single Family Built 1954 Purchased 2012
MP

Heather M Schramm

Age 56 Female
·
2170 NE 1st Ln, Boynton Beach, FL 33435 (Palm Beach County)
26.5500, -80.0665
· (561) 309-8174
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1973
MP

Heather B Schramm

Age 25 Female
·
1263 Harvest Cir, Salem, UT 84653 (Utah County)
40.0355, -111.6620
· (801) 229-1981
Marital: Married TZ: Mountain
Homeowner Single Family Built 2007 Purchased 2015
MP

Heather Schramm

Female
·
616 Old Pidcoke Rd, Gatesville, TX 76528 (Coryell County)
31.4258, -97.7775
TZ: Central
Homeowner Single Family Built 2008 Purchased 2012
MP

Heather M Schramm

Age 39 Female
·
14836 Audubon Lakes Dr, Baton Rouge, LA 70810 (East Baton Rouge County)
30.3248, -91.1216
· (225) 963-7718
Marital: Inferred Married TZ: Central
Occ: White Collar Edu: Some College
Homeowner Single Family Built 2008
MP

Heather R Schramm

Age 52 Female
·
W5756 Greening Rd, Whitewater, WI 53190 (Walworth County)
42.8103, -88.5824
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family
MP

Heather R Schramm

Age 28 Female
·
222 Bertram Cir, Glen Burnie, MD 21060 (Anne Arundel County)
39.1478, -76.5892
· (410) 760-8799
Marital: Single TZ: Eastern
Homeowner Single Family Built 1956 Purchased 2006
MP

Heather A Schramm

Age 53 Female
·
PO Box 97, Amberg, WI 54102 (Marinette County)
45.4968, -87.9293
Marital: Married TZ: Central
Homeowner Single Family
MP

Heather Schramm

Female
·
208 Pittview Rd, Pittsburgh, PA 15237 (Allegheny County)
40.5466, -80.0018
· (412) 486-4435
TZ: Eastern
Single Family
MP

Heather Schramm

Age 25 Female
·
23643 Wintergreen Cir, Novi, MI 48374 (Oakland County)
42.4617, -83.5060
· (248) 935-4801
Marital: Single TZ: Eastern
Edu: Some College
Homeowner Single Family Purchased 1998
MP

Heather Schramm

Age 25 Female
·
79 Glendale Rd, Oakdale, CT 06370 (New London County)
41.4466, -72.2012
· (860) 917-2943
Marital: Single TZ: Eastern
Single Family
MP

Heather R Schramm

Age 29 Female
·
4421 Vermaas Ave, Toledo, OH 43612 (Lucas County)
41.6992, -83.5605
Marital: Married TZ: Eastern
Edu: High School
Single Family
MP

Heather Schramm

Female
·
10032 Scarlett Ct, Brooksville, FL 34613 (Hernando County)
28.5684, -82.5760
· (907) 953-4320
Marital: Inferred Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1991 Purchased 2015
MP

Heather M Schramm

Age 27 Female
·
100 N Pointe Ter, Middletown, MD 21769 (Frederick County)
39.4475, -77.5538
Marital: Single TZ: Eastern
Homeowner Single Family Built 2002 Purchased 2006

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 15 demographic profiles associated with Heather Schramm. 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 Heather Schramm. These loans were issued to businesses, not individuals.

Jniah Walker

$16,665 Paid in Full
Address:
2404 Parkchase Cir
Approved

Apr 2, 2021

Forgiven

$16,764

Loan #

5669948703

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 1 PPP loan record is linked to businesses associated with Heather Schramm. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Heather Schramm on the map

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Found 60 results across 21 states

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Heather Schramm in Bells, TN: Background Summary

Location
40 Matthews Rd, Bells Tn 38006, Bells, TN
Other Locations
Valencia, CA · Minneapolis, MN · Washington, PA and 11 more
Profiles Found
21 people with this name
Phone Numbers
(731) 616-4875 and 16 others on file
Email
hschramm36@yahoo.com and 2 others on file
Possible Relatives
Derek D Schramm, Bonnie J Stoner, David A Schramm, Melissa Dawn Collins, Roy M Collins and 44 more
Career
Vice President; Chairperson of the Board at Hello Arizona Inc, Pnc
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
4 linked — 2005 Acura TL, 2009 Acura Tsx and 2 more
Contributions
$75 total — Ohio Education Assoc Fund For Children And Public Education, Ohio Education Assoc Fund For Children And Public Education
Licenses
3 professional licenses (NONRES LIFE & VARIABLE ANNUITY, COSMO)
PPP Loans
$16,665 for Jniah Walker
White House
1 recorded visit

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 Heather Schramm. Because public records are indexed by name rather than by a unique identifier, the 85 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 Heather Schramm

Search Complexity: High

85 public records across 21states, belonging to approximately 21 different individuals. With 21 distinct profiles across 21 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 21 states. Highest concentration: Louisiana (8%), followed by Ohio and Wisconsin. Spans the South and Midwest regions.

LA7recordsOH6recordsWI6recordsPA5recordsAZ4recordsMD4records

Record Type Breakdown

Data spans 10 record categories. Largest: Contact & Address Records (35%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (19) and Voter Registration Records (7).

24
Contact & Address Records
19
Business & Corporate Filings
7
Voter Registration Records
5
Professional License Records
4
Vehicle Registration Records
3
Political Contribution Records

Age Distribution

Age range: approximately 45 years, suggesting multiple generations. Largest group: Senior (65+) (10%).

Senior (65+)1personMiddle-Age (40-64)9people

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

Frequently Asked Questions About Heather Schramm

Is Heather Schramm a registered voter?
Yes, voter registration records show Heather Schramm is registered in Pennsylvania with NF affiliation. We found 7 voter registration entries across 4 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Heather Schramm own property?
County assessor records show 2 properties associated with Heather Schramm . 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 Heather Schramm?
Records show 4 vehicle registrations associated with Heather Schramm, including a 2005 Acura TL. Registered makes include Acura, Gmc, Ford. 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 Heather Schramm?
We found 19 business affiliations for Heather Schramm (Md). Other companies include pnc, Middletown Volunteer Fire Company. Business records are compiled from state registries, SEC filings, and professional databases.
Has Heather Schramm made political donations?
FEC disclosure records show 3 reported political contributions from Heather Schramm, totaling $75. Recipients include Ohio Education Assoc Fund For Children And Public Education. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Heather Schramm?
Our database contains 85 total records for Heather Schramm spanning 21 states. This includes 21 distinct contact records, 13 with phone numbers, 3 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 Heather Schramm?
The 85 records displayed for Heather Schramm 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 Heather Schramm 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.