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James Laminack from Pine Bluff, AR

Age 70
📍 9827 Dyson Rd, Pine Bluff, AR 71603
📞 (870) 879-0823, (870) 879-0823
✉️ hud@cableone.net, hud@excite.com, hud445@excite.com
👨‍👩‍👧 Relatives: Sherry E Laminack,Leigh Ellon Laminack

James Laminack from Spring, TX

Age 67
📍 5823 Springton Ln, Spring, TX 77379
📞 (281) 251-2799
✉️ jllaminack@earthlink.net
👨‍👩‍👧 Relatives: Tasha Laminack Nissen,Sheryl Beth Laminack,Cheryl Laminack,Ashley E Laminack

James Laminack from Roswell, NM

Age 78
📍 3407 Garden Ave, Roswell, NM 88201
📞 (505) 623-8164, (575) 623-8164, (575) 623-8164
👨‍👩‍👧 Relatives: Evelyn S Laminack,Brenda A Laminack,David A Laminack,Sue S Laminack,Tonya R Laminack,David A Laminack

James Laminack from Killeen, TX

Age 75
📍 Rr 1, Killeen, TX 76542
📞 (817) 634-1420, (254) 718-4690
👨‍👩‍👧 Relatives: Andreas Frank Laminack,Helga Behrendt Laminack,Donald Mike Laminack,Helga M Laminack,Donald M Laminack

James Laminack from Pine Bluff, AR

Age 81 b. Mar 1944 Jefferson Co.
📍 5406 W 20th Ave
📞 (501) 879-0823, (870) 879-0823

James Laminack from Essex, MO

Age 64 b. 1962 Stoddard Co.
📍 16349 County Road 589
📞 (573) 667-5810, (573) 667-5652

James Laminack from Fruithurst, AL

0
📍 27275 County Road 49, Fruithurst, AL 36262
📞 (256) 463-2332, (256) 463-2332
👨‍👩‍👧 Relatives: Clarence N Laminack,Charles E Laminack,Bessie Laminack

James Laminack from Spring, TX

Age 78 b. May 1947 Harris Co.
📍 5823 Springton Ln
📞 (281) 251-2799

James Laminack from Morehouse, MO

Age 65 b. Nov 1960 New Madrid Co.
📍 Po Box 645
📞 (573) 667-5452

James Laminack from Hawkins, TX

Age 89 b. May 1936 Wood Co.
📍 269 County Rd 2690
📞 (505) 623-8164

James Laminack from Pine Bluff, AR

Age 97 b. Oct 1928 Jefferson Co.
📍 3105 Jonquil St
📞 (501) 535-8234

James Laminack from Muscadine, AL

Age 66
📍 1623 County Road 80 #80, Muscadine, AL 36269
📞 (256) 463-2523, (256) 463-5969
👨‍👩‍👧 Relatives: Audrea Denise Burgess,Bonnie R Laminack

James Laminack

📍 269 County Road 2690, Hawkins Tx
📞 (903) 769-1038, (903) 497-6571
✉️ NASCAR4MIKE@YAHOO.COM

James Laminack

📍 1047 Maple Ridge Dr, Greenwood Ar
📞 (870) 543-9640, (870) 329-5111
✉️ JASLAMINACK@COX.NET

James Laminack from Chattanooga, TN

Age 63
📍 326 Browns Ferry Rd, Chattanooga, TN 37419
📞 (423) 821-9748, (423) 825-1929, (615) 867-9754
👨‍👩‍👧 Relatives: Vickie C Laminack

James Laminack from Muscadine, AL

Age 79 b. 1947 Male
📍 1727 County Road 80
📞 (256) 463-2523 (Cell)

James T Laminack from Muscadine, AL

Age 74
📍 1727 Co Rd 80, Muscadine, AL 36269
📞 (256) 463-2523

James Laminack from Roswell, NM

Age 90 b. 1936 Chaves Co.
📍 3407 N Garden Ave
📞 (575) 623-8164

James Laminack from Fruithurst, AL

Age 109 b. Apr 1916 Cleburne Co.
📍 27275 Country Rd
📞 (410) 661-7384

James Laminack from Hawkins, TX

Age 54
📍 269 County Road 2690, Hawkins, TX 75765
👨‍👩‍👧 Relatives: Laminack Cockerell,David A Laminack

James Laminack from Crane Hill, AL

Male
📍 290 County Road 209
📞 (205) 542-4021 (AT&T MOBILITY)

James Laminack from Crane Hill, AL

Age 78 b. Jan 1948 Cullman Co.
📍 228 County Rd 209

James Laminack from Killeen, TX

Age 87 b. Jan 1939 Bell Co.
📍 655 Soukup Ln

James Laminack from Muscadine, AL

Age 78 b. Oct 1947 Cleburne Co.
📍 1623 County Rd 80

James Laminack from Spring, TX

Age 78 b. Sep 1947 Harris Co.
📍 18507 Tynecreek Ln

James Laminack from Cullman, AL

Age 52 b. Aug 1973
📍 201 County Road 1162
👤 aka Laminack James, Laminack James M, Laminack James Martin

James Laminack from Beaumont, TX

0
📍 6710 Gladys Ave, Beaumont, TX 77706

James Laminack from Fruithurst, AL

Cleburne Co.
📍 27275 County Road 49
📞 (256) 463-2332

James Laminack from Temple, GA

Haralson Co.
📍 808 Candy Kitchen Rd
📞 (770) 562-1889

James Laminack from Roswell, NM

Chaves Co.
📍 410 E 23 Rd St 53

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 30 contact records for James Laminack across 7 states. The most recent address on file is in Pine Bluff, Arkansas. Of these records, 22 include phone numbers and 4 include email addresses. Ages range from 54 to 78, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Laminack James Michael

Wood County
· 269 Cr 2690, Hawkins

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 1 property record linked to James Laminack in Hawkins. Values shown are from county assessor records and may differ from current market prices.

James R Laminack

1047 Maple Ridge Drive, Greenwood, AR, 72936

James Keith Laminack

Democrat
Precinct: 440013

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for James Laminack in Arkansas. Party affiliation is listed as DEM. 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.

2007 CHEVROLET SILVERADO K1500
· Registered to: James Laminack
· VIN: 3GCEK13M97G535872
·
189 County Road 1162, Cullman, AL, 35057
2005 Chevrolet Equinox
· Registered to: James Laminack
· VIN: 2CNDL63FX56081174
·
290 County Road 209, Crane Hill, AL, 35053
·
(256) 747-3695
2011 Chevrolet Silverado 1500
· Registered to: James Laminack
· VIN: 3GCPKSE35BG396478
·
189 County Road 1162, Cullman, AL, 35057-0671
·
(256) 734-3848
2006 Chevrolet Silverado 1500
· Registered to: James Laminack
· VIN: 1GCEK19B06E105997
·
189 County Road 1162, Cullman, AL, 35057
·
(256) 734-3848
2009 Ford Ranger
· Registered to: James Laminack
· VIN: 1FTYR10DX9PA14641
·
16349 County Road 589, Puxico, MO, 63960-7319
·
(573) 568-9942
2013 Ford Edge
· Registered to: James Laminack
· VIN: 2FMDK3GC5DBC11983
·
5823 Springton Ln, Spring, TX, 77379
1991 TOYOTA HALFTON PICKUP COMPACT TRUCK
· Registered to: James Laminack
· VIN: JT4RN81A3M0075263
·
1047 Maple Ridge Dr, Greenwood, AR, 72936
2007 CHEVROLET SILVERADO 1500
· Registered to: James Laminack
· VIN: 1GCEK19067Z555694
·
290 County Road 209, Crane Hill, AL, 35053-2318
·
(256) 747-3695
2018 FORD EDGE
· Registered to: James Laminack
· VIN: 2FMPK3J84JBB30745
·
5823 Springton, Spring, TX, 77379
2008 Hyundai Sonata
· Registered to: James Laminack
· VIN: 5NPEU46F88H371922
·
189 County Road 1162, Cullman, AL, 35057
·
(256) 734-3848
1991 TOYOTA PICKUP 4 X 4 PICKUP
· Registered to: James Laminack
·
1047 Maple Ridge Dr, Greenwood, AR, 72936

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 11 vehicle registration records are associated with James Laminack. Registered makes include Chevrolet, Ford, Toyota, Hyundai. 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.

Pine Bluff Cotton Belt Federal Credit Union

James LaminackChief Executive Officer
(870) 535-6365jlaminack@pbcottonbeltfcu.coop
1703 River Pines Blvd, Pine Bluff, AR71601

Pine Bluff Cotton Belt Fed Crd

Manager
(870) 535-6365
Pine Bluff, AR
Depository Institutions (Credit)

Pine Bluff Cotton Belt Fed Cu

James LaminackCeo
JEFFERSONsupport@pbcottonbeltfcu.coop
1703 River Pines Blvd, Pine Bluff, AR71601

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 3 business affiliations were found for James Laminack. Companies include Pine Bluff Cotton Belt Federal Credit Union, Pine Bluff Cotton Belt Fed Crd, Pine Bluff Cotton Belt Fed Cu. Roles listed include Chief Executive Officer and Ceo. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: AK
AK
Director: James Laminack

Unknown Corporation

Addr: AK
AK
Incorporator/Organizer: James Laminack

Unknown Corporation

Addr: AK
AK
Principal: James Laminack

The United Fund Of Clinton Incorporated

Addr: Clinton, OK
OK
Incorporator: James Laminack

Unknown Corporation

Addr: Clinton, OK
OK
Incorporator: James Laminack

Source: Public Records James Laminack appears in 5 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

James Laminack

Cullman High School - Cullman, AL, AL
1966

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases James Laminack 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.

$100 Mar 15, 2002
2002
Arkansas Credit Union League Legislative Action Committee/Arculac
Laminack, James Pine Bluff Cotton Belt Fcu Pine Bluff, AR
$450 May 26, 1999
2000
Arkansas Credit Union League Legislative Action Committee/Arculac
Laminack, James Pine Bluff Cotton Belt Fcu Pine Bluff, AR
$200 May 29, 1998
1998
Credit Union Legislative Action Council Of Cuna
Laminack, James Pine Buff Cotton Belt Fcu Pine Bluff, AR
$275 Apr 2, 2010
2010
Arkansas Credit Union League Legislative Action Committee/Arculac
Laminack, James Presiden @ Pine Bluff Cotton Belt Fcu Pine Bluff, AR
$350 Apr 14, 2003
2004
Arkansas Credit Union League Legislative Action Committee/Arculac
Laminack, James Pine Bluff Cotton Belt Fcu Pine Bluff, AR
$300 May 30, 2000
2000
Arkansas Credit Union League Legislative Action Committee/Arculac
Laminack, James Pine Bluff Cotton Belt Fcu Pine Bluff, AR
$275 May 4, 2001
2002
Arkansas Credit Union League Legislative Action Committee/Arculac
Laminack, James Pine Bluff Cotton Belt Fcu Pine Bluff, AR
$208 Apr 5, 2004
2004
Arkansas Credit Union League Legislative Action Committee/Arculac
Laminack, James Pine Bluff Cotton Belt Fcu Pine Bluff, AR
$200 May 29, 1998
Credit Union Legislative Action Council Of Cuna
Contributor Pine Buff Cotton Belt Fcu Pine Bluff, AR
$208 Apr 5, 2004
Unknown Committee
Laminack, James Pine Bluff Cotton Belt Fcu

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 10 political contribution records found for James Laminack. Total disclosed contributions amount to $2,566. Recipients include Credit Union Legislative Action Council Of Cuna. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

James Laminack

Age 63 Male
·
2105 N Main St, Newcastle, OK 73065 (McClain County)
35.2695, -97.6002
· (405) 623-8484
TZ: Central
Homeowner Single Family Built 1975
MP

James Laminack

Male
·
424 Britton Loop, Cameron, NC 28326 (Harnett County)
35.2559, -79.1188
TZ: Eastern
Single Family
MP

James T Laminack

Age 69 Male
·
1727 County Road 80, Muscadine, AL 36269 (Cleburne County)
33.7987, -85.3801
· (256) 463-2523
Marital: Married TZ: Central
Occ: Professional
Single Family
MP

James L Laminack

Age 70 Male
·
5823 Springton Ln, Spring, TX 77379 (Harris County)
30.0213, -95.4963
· (281) 787-2529
Marital: Married TZ: Central
Edu: Graduate School
Homeowner Single Family Built 1988 Purchased 1988
MP

James L Laminack

Age 69 Male
·
4117 Shady Oak Dr, Ooltewah, TN 37363 (Hamilton County)
35.0524, -85.1149
Marital: Inferred Married TZ: Eastern
Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 5 demographic profiles associated with James Laminack. 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 James Laminack. These loans were issued to businesses, not individuals.

Massett Building Company

Subchapter S Corporation

$928,798 Paid in Full
Address:
PO Box 1457
Pleasantville, NJ08232
Approved

Apr 27, 2020

Forgiven

$937,169

Jobs Reported

41

Loan #

4452717201

Loan Size

Medium

Kot Electrical Construction Co., INC.

Subchapter S Corporation

$158,825 Paid in Full
Address:
PO Box 1457
Latham, NY12110
Approved

Apr 15, 2020

Forgiven

$160,109

Jobs Reported

13

Loan #

8436487104

Loan Size

Medium

Background Intelligence, INC.

Subchapter S Corporation

$9,600 Paid in Full
Address:
PO Box 1457
South Pasadena, CA91031-1457
Approved

Apr 15, 2020

Forgiven

$9,681

Jobs Reported

1

Loan #

8985357103

Loan Size

Small

James Cody Laminack

Sole Proprietorship

$9,346 Paid in Full
Address:
269 County Road 2690
Hawkins, TX75765-4319
Approved

Apr 29, 2021

Forgiven

$9,366

Jobs Reported

1

Loan #

4817908907

Loan Size

Small

Summit Etc

Non-Profit Organization

$120,735 Paid in Full
Address:
PO Box 1457
Gadsden, AL35902-1391
Approved

Apr 14, 2020

Forgiven

$121,823

Jobs Reported

47

Loan #

7861837109

Loan Size

Small

Melissa Bailey

Sole Proprietorship

$3,127 Paid in Full
Address:
290 County Road 209
Carthage, TX75633-6106
Approved

Mar 28, 2021

Forgiven

$3,145

Jobs Reported

1

Loan #

2374048703

Loan Size

Small

Termo Gauge Instruments, INC.

Corporation

$7,500 Paid in Full
Address:
PO Box 1457
Fort Ashby, WV26719
Approved

May 11, 2020

Forgiven

$7,559

Jobs Reported

1

Loan #

4748057410

Loan Size

Small

Out Of The Box Services

Limited Liability Company(LLC

$14,500 Paid in Full
Address:
PO Box 1457
Tiogo, ND58852
Approved

Apr 29, 2020

Forgiven

$14,413

Jobs Reported

1

Loan #

2480887302

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 8 PPP loan records are linked to businesses associated with James Laminack. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find James Laminack on the map

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Found 63 results across 10 states

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James Laminack in Pine Bluff, AR: Background Summary

Location
9827 Dyson Rd,Pine Bluff, AR 71603, Pine Bluff, AR
Other Locations
Pine Bluff, AR · Essex, MO · Spring, TX and 9 more
Profiles Found
30 people with this name
Phone Numbers
(870) 879-0823 and 19 others on file
Email
hud@cableone.net and 5 others on file
Possible Relatives
Sherry E Laminack, Leigh Ellon Laminack, Tasha Laminack Nissen, Sheryl Beth Laminack, Cheryl Laminack and 18 more
Career
Chief Executive Officer, Ceo at Pine Bluff Cotton Belt Federal Credit Union, Pine Bluff Cotton Belt Fed Crd
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
11 linked — 2007 Chevrolet Silverado K1500, 2005 Chevrolet Equinox and 9 more
Contributions
$2,566 total — Credit Union Legislative Action Council Of Cuna
PPP Loans
$1252K for Massett Building Company, Kot Electrical Construction Co., INC.

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 James Laminack. Because public records are indexed by name rather than by a unique identifier, the 86 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 James Laminack

Search Complexity: High

86 public records across 10states, belonging to approximately 30 different individuals. With 30 distinct profiles across 10 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 10 states. Highest concentration: Alabama (23%), followed by Texas and Arkansas. Spans the South and West regions.

AL20recordsTX13recordsAR12recordsMO4recordsNM3recordsAK3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (50%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Vehicle Registration Records (11) and Political Contribution Records (10).

40
Contact & Address Records
11
Vehicle Registration Records
10
Political Contribution Records
8
PPP Loan Records
5
Corporate Records
3
Business & Corporate Filings

Age Distribution

Age range: approximately 57 years, suggesting multiple generations. Largest group: Senior (65+) (75%).

Senior (65+)12peopleMiddle-Age (40-64)4people

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

Frequently Asked Questions About James Laminack

Is James Laminack a registered voter?
Yes, voter registration records show James Laminack is registered in Arkansas. We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does James Laminack own property?
County assessor records show 1 property associated with James Laminack . 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 James Laminack?
Records show 11 vehicle registrations associated with James Laminack, including a 2007 CHEVROLET SILVERADO K1500. Registered makes include Chevrolet, Ford, Toyota, 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 James Laminack?
We found 3 business affiliations for James Laminack, including Pine Bluff Cotton Belt Federal Credit Union (Chief Executive Officer). Other companies include Pine Bluff Cotton Belt Fed Crd, Pine Bluff Cotton Belt Fed Cu. Business records are compiled from state registries, SEC filings, and professional databases.
Has James Laminack made political donations?
FEC disclosure records show 10 reported political contributions from James Laminack, totaling $2,566. Recipients include Credit Union Legislative Action Council Of Cuna. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for James Laminack?
Our database contains 86 total records for James Laminack spanning 10 states. This includes 30 distinct contact records, 22 with phone numbers, 4 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 James Laminack?
The 86 records displayed for James Laminack 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 James Laminack 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.