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Irma Snyder from Port Charlotte, FL

Age 74
📍 24472 Manchester Trl, Port Charlotte, FL 33980
📞 (508) 747-2372
✉️ pc.ted@angelfire.com, pc.ted@cs.com, pc.ted@verizon.net, pctedsnyd@earthlink.net
👨‍👩‍👧 Relatives: Lawrence A Snyder,Theodore W Snyder,Iron Snyder,Lawrence A Snyder

Irma Rose Snyder Jr from Lancaster, PA

Age 80 b. 7/2/1945
📍 100 Colonial Crest Dr, #lancaster, PA 17601-6120
✉️ irmasnyder@ole.com
👨‍👩‍👧 Relatives: Robert N Snyder Jr,Florence Snyder,Holly Snyder,Irma Lopez,Leonida Gonzales,Abrian Gonzalez,Albert Gonzalez,Gonzalez Velez Jeleni,Iris N Gonzales,Jayson Gonzalez,Jose Gonzalez,Lenin A Torres,Leonida Gonzalez,Lewis Q Gonzales,Manuel E Gonzalez,Marilyn E Kresge,Ramiro Lopez,Rivera Sebera,Rosado Margarita Gonzalez,Santa Juana Gonzalez,Tammy L Jasinski Jr,Tracey A Thomas,Urbano M Soler Gonzalez,Urbelino J Gonzalez,Victor M Gonzalez Sr,Amy E Gonzales,Carmen E Gonzales,Dimas Gonzalez Jr,Edna E Suarez,Esther Kresge,Gabriel Enrique Gonzalez,Ida Jeannette Santos,Ishmael W Gonzalez Jr,Jackie Lopez,Mr Jacob Jasinski Jr,James Homer,Jeffrey A Allamon,Jose Enrique Gonzalez Jr,Julio A Rivera,Kenneth E Snyder,Lorraine Gonzalez,Margarita Rosado Gonzalez,Marianne L Gonzalez,Marilyn A Allamon,Mark J Thomas,Ronald R Snyder,Sara A Gonzales,Timothy Scott Michael,Todd A Michael,Victor M Gonzalez 3rd
🕐 8 previous addresses

Irma Snyder from Youngstown, OH

Age 92
📍 85 Homestead Dr, Youngstown, OH 44512
📞 (330) 788-2166
👨‍👩‍👧 Relatives: George Snyder,Dorothy V Snyder,James Michael Snyder,Francis C Snyder,Jim Snyder,Shirley J Snyder,Francis C Snyder,Jim Snyder

Irma Snyder from Delray Beach, FL

Age 91
📍 900 Greensward Ln #g, Delray Beach, FL 33445
📞 (561) 498-8835, (561) 495-1150, (914) 698-1150
👨‍👩‍👧 Relatives: Ewalter Snyder,Robert J Snyder,Richard H Snyder

Irma Snyder from Wilmot, WI

Age 103 b. Jan 1923 Kenosha Co.
📍 Po Box 202
📞 (814) 259-3790, (814) 695-9376

Irma Snyder from Anacortes, WA

Age 101 b. Feb 1925 Skagit Co.
📍 1105 7th St
📞 (360) 293-3791, (206) 293-3791

Irma Snyder from Norco, CA

Age 99 b. Jan 1927 Riverside Co.
📍 3628 Hillside Ave
📞 (713) 462-5164, (928) 782-0141
👤 aka Irma E Snyder, Irma E Shobring

Irma Snyder from New Providence, PA

Age 80 b. Jul 1945
📍 60 Ridgedale Ave
📞 (717) 291-2297, (502) 955-1798
👤 aka Robert Irma Snyder, Irma Lopez, Robert Snyder

Irma Snyder from Rye, NY

Age 103 b. Mar 1923 Westchester Co.
📍 5002 Theall Rd
📞 (914) 698-1150

Irma Snyder from Dover, PA

Age 112 b. May 1913 York Co.
📍 4250 Bull Rd
📞 (717) 292-0290

Irma Snyder from Derby, NY

Age 84
📍 1072 Sturgeon Point Rd #13584, Derby, NY 14047
📞 (716) 947-5847
👨‍👩‍👧 Relatives: Henry E Snyder

Irma Snyder from Kissimmee, FL

Age 90
📍 2070 Partin Settlement Rd #r8, Kissimmee, FL 34744
📞 (407) 846-1947
👨‍👩‍👧 Relatives: Louis R Snyder

Irma Snyder from Jasper, AL

Age 71 b. 1955 Female
📍 34148 Highway 69
📞 (205) 387-0602 (Cell)

Irma Snyder from St Petersburg, FL

Age 99 b. Feb 1927 Pinellas Co.
📍 600 55th St N
📞 (912) 436-6759

Irma Snyder from Boardman, OH

Age 103 b. May 1922 Mahoning Co.
📍 95 Meadowbrook Ave
📞 (330) 788-2166

Irma Snyder from Derby, NY

Age 95 b. May 1930 Erie Co.
📍 1072 Sturgeon Point Rd
📞 (716) 947-5847

Irma Snyder from San Jose, CA

Age 107 b. Dec 1918 Santa Clara Co.
📍 660 S Winchester Blvd Apt 16
📞 (972) 492-0064

Irma Snyder from Bedford, IA

Age 64 b. May 1961 Taylor Co.
📍 Rr 1 Po Box 115
📞 (712) 537-2427

Irma Snyder from Canutillo, TX

0
📍 148 Po Box, Canutillo, TX 79835
👨‍👩‍👧 Relatives: Ricky G Snyder,Rick Snyder

Irma Snyder from Buffalo, NY

0
📍 65 Oakhurst Ave, Buffalo, NY 14220
👨‍👩‍👧 Relatives: Henry Jrkathleen Snyder,Kathleen J Snyder

Irma Snyder from Kissimmee, FL

Age 102 b. Nov 1923 Osceola Co.
📍 1831 Wimbledon St

Irma Snyder from Sandusky, OH

Age 78 b. Oct 1947 Erie Co.
📍 1308 Melody Ln

Irma Snyder from San Jose, CA

Age 67 b. Sep 1958 Santa Clara Co.
📍 660 S Winchester Bl 16

Irma Snyder from Rapid City, SD

Age 101 b. Aug 1924 Pennington Co.
📍 111 Racine St Unit 69

Irma Snyder from Lehigh Acres, FL

Age 86 b. Sep 1939 Lee Co.
📍 113 John Ave S

Irma Snyder from Tamarac, FL

Age 99 b. Oct 1926 Broward Co.
📍 7775 Southampton Te J 314

Irma Snyder from Philadelphia, PA

Age 80 b. Sep 1945 Philadelphia Co.
📍 435 W Airdrie St

Irma Snyder from Saint Petersburg, FL

Age 72 b. Aug 1953
📍 5025 30th Ave N
👤 aka Irma E Delgadosnyder, Irma E Delgado-Snyder, Irma Gonalez

Irma Snyder from Phoenix, AZ

Age 79 b. Jun 1946 Maricopa Co.
📍 910 E Marlette Ave 14

Irma Snyder from Bronxville, NY

0
📍 5 Midland Gdns, Bronxville, NY 10708

Irma Snyder from Rapid City, SD

📍 711 E Denver St
📞 (605) 343-3700

Irma Snyder from Bonanza, OR

Klamath Co.
📍 26180 Wu Rd
👤 aka Irma L Fent

Irma Snyder from Louisville, KY

Jefferson Co.
📍 966 Cherokee Rd

Irma Snyder from Waynesboro, PA

Franklin Co.
📍 4 Box 75 A

Irma Snyder from Milltown, WI

Polk Co.
📍 627 Parkins Ave

Irma Snyder from Plymouth, MA

Plymouth Co.
📍 160 Drew Rd

Irma Snyder from Columbus, OH

Franklin Co.
📍 4225 Macsway Ave Apt 912

Irma Snyder from Las Vegas, NV

Clark Co.
📍 6060 Elton Ave B

Irma Snyder from Bartlett, IL

Du Page Co.
📍 417 Jervey Ln

Irma Snyder from Clinton, CT

Middlesex Co.
📍 26 College St 4

Unknown Person

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 41 contact records for Irma Snyder across 18 states. The most recent address on file is in Wilmot, Wisconsin. Of these records, 19 include phone numbers and 2 include email addresses. Ages range from 74 to 92, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Snyder Irma L

Yavapai County
· 20915 E Sierra Dr, Cordes-Lakes-Mayer

Snyder Irma Y

PIN: R495648
· 2001 Granite Springs Rd, Leander Tx 78641

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 2 property records linked to Irma Snyder in Cordes-Lakes-Mayer, Leander. Values shown are from county assessor records and may differ from current market prices.

Irma C Snyder

Democrat Reg: 08/14/1984
139 Linden Aly, Waynesburg, PA, 15370
DOB: 04/24/1949 Gender: Unknown

Irma Delgado Snyder

5025 30th Ave N, St Petersburg, , 33710

Irma A Snyder

Democrat
1072 Sturgeon Point Rd, 11, 14047
DOB: 19300505 Gender: Female

Irma H Snyder

Democrat
5002 Theall Rd, 7, 10580
DOB: 19230312 Gender: Female

Irma C Snyder

139 Linden Aly
DOB: 04/24/1949 Gender: Unknown

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 5 voter registration records were found for Irma Snyder in Pennsylvania, . Records show affiliations with D, DEM, 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.

Irma Snyder

Phoenix, Arizona, United States Design
LinkedIn

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 2 business affiliations were found for Irma Snyder. Records are compiled from state business registries, SEC filings, and professional networking databases.

Irma Snyder

Forest Park High School 406 - Baltimore, MD, MD
1954

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Irma Snyder 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.

$10 Jan 21, 2020
2020 REP
Republican National Committee
Snyder, Irma Retired Lancaster, PA
$10 Jan 21, 2020
REP
Republican National Committee
Contributor Retired Lancaster, PA
$6 Oct 7, 2024
Unknown Committee
Snyder, Irma Retired Lancaster, PA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 3 political contribution records found for Irma Snyder. Total disclosed contributions amount to $26. Recipients include Republican National Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Irma L Snyder

Age 61 Female
·
34148 Highway 69, Jasper, AL 35504 (Walker County)
33.9097, -87.0920
Marital: Inferred Married TZ: Central
Edu: High School
Homeowner Single Family Built 1955 Purchased 1996
MP

Irma Snyder

Female
·
13840 Eaglecrest Ln, Anacortes, WA 98221 (Skagit County)
48.4428, -122.6580
TZ: Pacific
Single Family
MP

Irma N Snyder

Age 92 Female
·
2720 R Ave, Anacortes, WA 98221 (Skagit County)
48.5000, -122.6100
Marital: Married TZ: Pacific
Single Family
MP

Irma J Snyder

Age 92 Female
·
700 N Lincoln Ave, Colby, KS 67701 (Thomas County)
39.4001, -101.0530
· (785) 462-2115
Marital: Single TZ: Central
Edu: High School
Homeowner Single Family Built 1950
MP

Irma Snyder

Female
·
2603 Meadowland Ct, Parkville, MD 21234 (Baltimore County)
39.4162, -76.5283
· (410) 882-4754
TZ: Eastern
Homeowner Single Family Built 1973 Purchased 1992
MP

Irma L Snyder

Age 71 Female
·
20915 E Sierra Dr, Mayer, AZ 86333 (Yavapai County)
34.3145, -112.0960
Marital: Single TZ: Mountain
Edu: High School
Homeowner Single Family Built 1986 Purchased 2006
MP

Irma H Snyder

Age 94 Female
·
5002 Theall Rd, Rye, NY 10580 (Westchester County)
40.9683, -73.7037
· (914) 925-0021
Marital: Married TZ: Eastern
Homeowner Single Family
MP

Irma Snyder

Age 77 Female
·
24472 Manchester Trl, Punta Gorda, FL 33980 (Charlotte County)
27.0060, -82.0434
· (773) 799-7679
Marital: Married TZ: Eastern
Occ: Professional
Homeowner Single Family Built 2005 Purchased 2015
MP

Irma Snyder

Female
·
2101 Senita Bay, Lk Havasu Cty, AZ 86403 (Mohave County)
34.4815, -114.3301
· (928) 855-2423
TZ: Mountain
Homeowner Single Family Built 1967 Purchased 1985
MP

Irma C Snyder

Age 68 Female
·
139 Linden Aly, Waynesburg, PA 15370 (Greene County)
39.8999, -80.2020
· (724) 627-5228
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family
MP

Irma Snyder

Age 69 Female
·
1308 Melody Ln, Sandusky, OH 44870 (Erie County)
41.4270, -82.6793
· (419) 625-1157
Marital: Married TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family Built 1975 Purchased 1988

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 11 demographic profiles associated with Irma Snyder. 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 Irma Snyder. These loans were issued to businesses, not individuals.

Joseph Avila

Self-Employed Individuals

$20,043 Paid in Full
Address:
9457 Las Vegas Blvd S
Las Vegas, NV89123-3306
Approved

Apr 28, 2021

Forgiven

$20,131

Jobs Reported

1

Loan #

4055178905

Loan Size

Small

Ana Miramontes

Independent Contractors

$10,415 Paid in Full
Address:
9457 Las Vegas Blvd S
Las Vegas, NV89123-3306
Approved

May 14, 2021

Forgiven

$10,524

Jobs Reported

1

Loan #

1897419000

Loan Size

Small

Michael Meyers Ii

Self-Employed Individuals

$20,833 Exemption 4
Address:
9457 Las Vegas Blvd S
Las Vegas, NV89123-3306
Approved

Apr 15, 2021

Jobs Reported

1

Loan #

3774248806

Loan Size

Small

Michael Meyers Ii

Self-Employed Individuals

$20,833 Exemption 4
Address:
9457 Las Vegas Blvd S
Las Vegas, NV89123-3306
Approved

Mar 24, 2021

Jobs Reported

1

Loan #

8177928607

Loan Size

Small

Travis Wyatt

Independent Contractors

$20,833 Exemption 4
Address:
9457 Las Vegas Blvd S Unit 348
Las Vegas, NV89123-3343
Approved

Apr 20, 2021

Jobs Reported

1

Loan #

6700398806

Loan Size

Small

Layton Owsley

Sole Proprietorship

$15,625 Paid in Full
Address:
9457 Las Vegas Blvd S Unit 326
Las Vegas, NV89123-3344
Approved

May 29, 2021

Forgiven

$15,654

Jobs Reported

1

Loan #

9161289002

Loan Size

Small

De Sean Flake

Sole Proprietorship

$2,290 Paid in Full
Address:
9457 Las Vegas Blvd S
Las Vegas, NV89123-3306
Approved

Apr 29, 2021

Forgiven

$2,301

Jobs Reported

1

Loan #

4557378906

Loan Size

Small

Travis Wyatt

Independent Contractors

$20,833 Exemption 4
Address:
9457 Las Vegas Blvd S Unit 348
Las Vegas, NV89123-3343
Approved

May 7, 2021

Jobs Reported

1

Loan #

7723398901

Loan Size

Small

R K Texas Leather Mfg INC

Corporation

$12,400 Paid in Full
Address:
148 PO Box
Honey Grove, TX75446-0148
Approved

Apr 8, 2020

Forgiven

$12,491

Jobs Reported

4

Loan #

8310297002

Loan Size

Small

Sabrina Au

Sole Proprietorship

$10,415 Paid in Full
Address:
9457 Las Vegas Blvd S Unit 97
Las Vegas, NV89123-3324
Approved

May 14, 2021

Forgiven

$10,487

Jobs Reported

1

Loan #

1927429005

Loan Size

Small

Tamekia Jackson

Self-Employed Individuals

$20,068 Paid in Full
Address:
9457 Las Vegas Blvd S Unit 191
Las Vegas, NV89123-3335
Approved

May 27, 2021

Forgiven

$20,133

Jobs Reported

1

Loan #

8204289009

Loan Size

Small

Deondre Dasmisi M Fishaji Kufa

Sole Proprietorship

$20,832 Paid in Full
Address:
9457 Las Vegas Blvd S Unit 155
Las Vegas, NV89123-3337
Approved

May 20, 2021

Forgiven

$20,920

Jobs Reported

1

Loan #

4735169009

Loan Size

Small

Van La

Independent Contractors

$20,832 Paid in Full
Address:
9457 Las Vegas Blvd S
Las Vegas, NV89123-3306
Approved

Mar 24, 2021

Forgiven

$21,069

Jobs Reported

1

Loan #

8079468607

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 13 PPP loan records are linked to businesses associated with Irma Snyder. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Irma Snyder on the map

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Found 71 results across 23 states

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Irma Snyder in Port Charlotte, FL: Background Summary

Location
24472 Manchester Trl,Port Charlotte, FL 33980, Port Charlotte, FL
Other Locations
Wilmot, WI · Anacortes, WA · Norco, CA and 26 more
Profiles Found
41 people with this name
Phone Numbers
(508) 747-2372 and 21 others on file
Email
pc.ted@angelfire.com and 4 others on file
Possible Relatives
Lawrence A Snyder, Theodore W Snyder, Iron Snyder, Robert N Snyder JR, Florence Snyder and 63 more
Voter Registration
Registered Democrat
Properties
2properties owned
Contributions
$26 total — Republican National Committee
PPP Loans
$216K for Joseph Avila, Ana Miramontes

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 Irma Snyder. Because public records are indexed by name rather than by a unique identifier, the 93 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.

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 Irma Snyder

Search Complexity: High

93 public records across 23states, belonging to approximately 41 different individuals. With 41 distinct profiles across 23 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 23 states. Highest concentration: Florida (14%), followed by Pennsylvania and New York. Spans the South and Northeast regions.

FL13recordsPA13recordsNY6recordsOH5recordsCA5recordsWA4records

Record Type Breakdown

Data spans 6 record categories. Largest: Contact & Address Records (69%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (13) and Voter Registration Records (5).

56
Contact & Address Records
13
PPP Loan Records
5
Voter Registration Records
3
Political Contribution Records
2
Property Ownership Records
2
Business & Corporate Filings

Frequently Asked Questions About Irma Snyder

Is Irma Snyder a registered voter?
Yes, voter registration records show Irma Snyder is registered in Pennsylvania 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 Irma Snyder own property?
County assessor records show 2 properties associated with Irma Snyder in Cordes-Lakes-Mayer, Texas and 1 other location. 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 businesses are associated with Irma Snyder?
We found 2 business affiliations for Irma Snyder. Business records are compiled from state registries, SEC filings, and professional databases.
Has Irma Snyder made political donations?
FEC disclosure records show 3 reported political contributions from Irma Snyder, totaling $26. Recipients include Republican National Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Irma Snyder?
Our database contains 93 total records for Irma Snyder spanning 23 states. This includes 41 distinct contact records, 19 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 Irma Snyder?
The 93 records displayed for Irma Snyder 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 Irma Snyder 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.