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John Gervasio from Fort Lee, NJ

Age 65
📍 1028 Jassamine Way, Fort Lee, NJ 07024
📞 (201) 224-2252, (201) 224-9648, (973) 661-3065
✉️ jgervasio@aol.com, jgervasio@att.net, jgervasio@nj.rr.com, jgervasio@yahoo.com, john_gervasio@hotmail.com, john_gervasio@mcgraw-hill.com
👨‍👩‍👧 Relatives: Barbara L Gervasio,Marie J Gervasio,Michael John Gervasio,Matthew T Gervasio

Mr John J Gervasio from Durham, NC

Age 68
📍 806 Shepherd St, #durham, NC 27701-3137
✉️ bluesman127707@msn.com
👨‍👩‍👧 Relatives: Barbara L Howard,Charla S Moore,Charlene S Moore,George Cranston Moore,Larry D Laws,Marianne Waters,Marva J Moore,Marva Jean Moore-Armstrong,Nathaniel L Gervasio,Nathaniel Gervasio,Robert Gervasio,Tony Armstrong Jr,Anthony C Rice,Barbara Jo Gervasio,Barbara J Gervasio,Bobby Ted Laws,Bud Laws,Bud Laws,Corey A Drain,Danthony I Rice,David F Moore,Dolores Dyer,Grace B Laws,Helen M Gervasio,Imogene A Waters,Joe Laws,Jolyn Moore,Joseph Donald Nemetz,Larry D Laws,Maria K Zeig,Michael Vincent Moore,Michele M Waters,Pamela Dozier Moore,Pamela R Rice,Robert Ted Laws,Robert E Waters Jr,Robert H Waters,Sabryna I Moore Jr,Zachary M Waters
🕐 10 previous addresses

John Gervasio from Bay Shore, NY

Age 69
📍 1533 Thompson Dr, Bay Shore, NY 11706
📞 (631) 242-4007, (631) 242-0549, (631) 242-4007, (631) 379-1227, (631) 697-4097, (631) 835-1841, (631) 422-8424
✉️ bubbajohnjr@yahoo.com, ponticar@yahoo.com
👨‍👩‍👧 Relatives: Annemarie M Gervasio,Anne M Geruasio,Catherine E Gervasio,William Gervasio,Angela A Gervasio,Sr Johna Gervasio

John Gervasio from Brigantine, NJ

Age 65
📍 156 40th St, Brigantine, NJ 08203
📞 (201) 797-6903, (609) 266-3930, (609) 405-4317, (201) 797-6903, (973) 478-2574
✉️ klpwitte@aol.com
👨‍👩‍👧 Relatives: Stefanina Gervasio,Giovanni Gervasio,Lucia A Gervasio,Savino F Gervasio,Gianfranco Gervasio,Giamfranca Gervasio,Stefania Gervasio,Stephanie Gervasio

John Gervasio from Ballston Spa, NY

Age 51
📍 509 Leahy Ln, Ballston Spa, NY 12020
📞 (518) 885-6429, (518) 272-8384, (518) 273-1688
✉️ jjg1223@email.com
👨‍👩‍👧 Relatives: Patricia A Gervasio,Jamie L Gervasio,Helen Gervasio
🏪 Blue Star Contracting

John Gervasio from Hoyt Lakes, MN

Age 101 b. 1925 Saint Louis Co.
📍 227 Kent Rd
📞 (218) 225-2611, (218) 686-7277

John Gervasio from Basking Ridge, NJ

0
📍 34 Cross Rd, Basking Ridge, NJ 07920
📞 (908) 766-3515, (908) 766-3515
👨‍👩‍👧 Relatives: Marlene R Gervasio,Carolyn A Gervasio,Lauren Margaret Gervasio,John G Gervasiojr

John Gervasio from Ballston Spa, NY

Age 63 b. Jan 1963 Saratoga Co.
📍 509 Leahy Ln
📞 (518) 272-8384

John Gervasio from Wallingford, CT

Age 74 b. Sep 1951 New Haven Co.
📍 43 Jodi Dr
📞 (203) 284-8341

John Gervasio from Fort Lee, NJ

Age 77 b. Aug 1948 Bergen Co.
📍 1028 Jassamine Way
📞 (201) 224-2252

John Gervasio from Ocala, FL

Age 100 b. Mar 1925 Marion Co.
📍 Po Box 770331
📞 (718) 493-4703

John Gervasio from Morris Plains, NJ

Age 101
📍 8 Condict St, Morris Plains, NJ 07950
📞 (973) 539-2988, (973) 539-2988
👨‍👩‍👧 Relatives: Catherine T Gervasio,Cathrine E Gervasio

John Gervasio from Ocala, FL

Age 89
📍 3151 44th Ave #34, Ocala, FL 34482
📞 (352) 629-5169, (904) 629-5169
👨‍👩‍👧 Relatives: Barbara C Gervasio

John Gervasio from San Mateo, CA

Age 113 b. May 1912 San Mateo Co.
📍 466 24th Ave
📞 (650) 345-9094

John Gervasio from Buffalo, NY

Age 64 b. Apr 1961 Erie Co.
📍 1960 Clinton St
📞 (920) 766-9143

John Gervasio from Basking Ridge, NJ

Age 84 b. Oct 1941 Somerset Co.
📍 34 Cross Rd
📞 (908) 766-3515

John Gervasio from Lawrenceville, NJ

0
📍 95 Harmony Ave, Lawrenceville, NJ 08648
👨‍👩‍👧 Relatives: Barbara A Gervasio,Virginia L Gervasio

John Gervasio

📍 509 Leahy Ln, Ballston Spa Ny
📞 (518) 944-1850
✉️ PONMYX424@GMAIL.COM

John Gervasio

📍 806 Shepherd St, Durham Nc
📞 (919) 730-7177, (919) 730-7177
✉️ JGERVASIO@TROSAINC.ORG

John Gervasio from Troy, NY

0
📍 114 George St, Troy, NY 12183
👨‍👩‍👧 Relatives: Patricia Gervasio

John Gervasio from West Islip, NY

Age 69
📍 803 Bay Shore Ave, West Islip, NY 11795
👨‍👩‍👧 Relatives: Annemarie M Gervasio

John Gervasio from Depew, NY

Age 97 b. Nov 1928 Erie Co.
📍 29 Conner Dr

John Gervasio from Fall River, MA

Age 60 b. Dec 1965
📍 398 Ferry St

John Gervasio from Ocala, FL

Age 101 b. Feb 1925
📍 3151 Nw 44th Ave

John Gervasio from San Bruno, CA

Age 75 b. Oct 1950 San Mateo Co.
📍 7106 Shelter Creek Ln

John Gervasio from Bay Shore, NY

Age 81 b. Oct 1944 Suffolk Co.
📍 1533 N Thompson Dr

John Gervasio from Lodi, NJ

Age 66 b. 1960 Bergen Co.
📍 400 Passaic Ave

John Gervasio from Lincolnshire, IL

Lake Co.
📍 23398 N Apple Hill Ln
📞 (847) 219-8859

John Gervasio from Greenwood, IN

Johnson Co.
📍 1590 W Smith Valley Rd
📞 (317) 881-3820

John Gervasio from Morristown, NJ

📍 161 James St

John Gervasio from Lancaster, NY

Erie Co.
📍 2 Evergreen Dr

John Gervasio from Green Island, NY

Albany Co.
📍 7 Swan St

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 32 contact records for John Gervasio across 10 states. The most recent address on file is in Hoyt Lakes, Minnesota. Of these records, 20 include phone numbers and 7 include email addresses. Ages range from 51 to 101, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Gervasio John

PIN: 0821-11-56-6516
· 806 Shepherd St, NC
Assessed: $133,052

Gervasio John C Etal

St-louis County
· 227 Kent Rd, Hoyt-Lakes

Gervasio, John & Stefania

Residential Atlantic County
· 36 West Midland Ave, 07652

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 3 property records linked to John Gervasio in Hoyt-Lakes. Values shown are from county assessor records and may differ from current market prices.

John G Gervasio

Republican
34 Cross Rd, Basking Ridge, 07920
DOB: 10/23/1941
County: Somerset

John Anthony Gervasio

2005 SE Walton Lakes Dr, Pt St Lucie, , 34952

John Gervasio

Democrat Reg: 03/09/2001
806 Shepherd St #b, Durham, NC, 27701
DOB: 1950 Gender: Male
County: Durham

John A Gervasio

Reg: 09721045
81 Artist Lake Dr, 7, 11953
DOB: 19780415 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 4 voter registration records were found for John Gervasio in , North Carolina. Records show affiliations with R, DEM, which may reflect different individuals or changes over time. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2011 BMW 3-Series
· Registered to: John Gervasio
· VIN: WBAPK5C59BF123287
·
1028 Jassamine Way, Fort Lee, NJ, 07024-1525
·
(201) 224-9648
2006 Buick Lucerne
· Registered to: John Gervasio
· VIN: 1G4HD57206U237791
·
227 Kent Rd, Hoyt Lakes, MN, 55750
·
(218) 686-7277

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 2 vehicle registration records are associated with John Gervasio. Registered makes include Bmw, Buick. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Trosa Moving

Operations Manager
+19194191059jgervasio@trosainc.org
Durham,
LinkedIn

John's Hair Styling

Owner
(973) 777-9283
Lodi, NJ
Personal Services (Services)

Gervasio's Auto Svc Inc

Owner
(908) 647-4216
Liberty Corner, NJ
Gasoline Service Stations and Automotive Dealers (Automotive)

Gervasios Auto Service Inc

President
Liberty Corner, NJ
Automotive Services, Parking and Repair (Automotive)

Johns Hair Styling

Owner
Lodi, NJ
Personal Services (Services)

John Gervasio

Fort Lee, New Jersey, United States Leisure, Travel, & Tourism
LinkedIn

Chang Interiors

John GervasioPaper Certification Coordinator
bubbajohnjr@yahoo.com
1533 N Thompson Dr, Bay Shore, NY11706
changinteriors.com

Chang Interiors

John GervasioPaper Certification Coordinator
bubbajohnjr@yahoo.com
1533 N Thompson Dr, Bay Shore, NY11706

John Gervasio

Retired · Fort Lee, New Jersey

Revenue & Cost Specialists Llc

John GervasioFacility Manager
(631) 835-1841bubbajohnjr@yahoo.com
1533 N Thompson Dr, Bay Shore, NY11706

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 16 business affiliations were found for John Gervasio. Companies include John's Hair Styling, Gervasio's Auto Svc Inc, Gervasios Auto Service Inc and 3 more. Roles listed include Operations Manager and Paper Certification Coordinator. Records are compiled from state business registries, SEC filings, and professional networking databases.

john gervasio

E
Addr: Hoyt Lakes, MN

Source: State Professional Licensing Boards · Dept. of Professional Regulation John Gervasio holds 1 state-issued professional license on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

John Gervasio

Galileo High School - San Francisco, CA, CA
1968

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases John Gervasio 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.

$150 Sep 17, 1998
1998 DEM
Tulisano, Richard D
Gervasio, John Real Estate Developer @ Kushner Companies Wallingford, CT
$5 Aug 28, 2014
2014 DEM
Democratic Congressional Campaign Committee
Gervasio, John Gervasio Mover @ Trosa Durham, NC
$160 Mar 7, 2017
2018
Durham Dec
Gervasio, John Durham, NC
$27 Feb 28, 2016
2016 DEM
Sanders, Bernard
Gervasio, John Transportation Exsicutive @ Trosa INC Durham, NC
$25 Feb 2, 2016
2016 DEM
Sanders, Bernard
Gervasio, John Operations Manager Trosa Moving @ Trosa INC Durham, NC
$150 Sep 17, 1998
DEM
Tulisano, Richard D
Contributor Real Estate Developer @ Kushner Companies Wallingford, CT
$35 Apr 16, 2016
Unknown Committee
Gervasio, John Gervasio Durham, NC
$160
2018
Durham Dec
Contributor Durham, NC

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 8 political contribution records found for John Gervasio. Total disclosed contributions amount to $712. Recipients include Tulisano, Richard D, Durham Dec. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

John Gervasio

Age 62 Male
·
82 Doolittle Dr, Bethany, CT 06524 (New Haven County)
41.4551, -72.9827
· (203) 393-1125
Marital: Married TZ: Eastern
Homeowner Single Family Built 1969
MP

John J Gervasio

Age 69 Male
·
1028 Jassamine Way, Fort Lee, NJ 07024 (Bergen County)
40.8363, -73.9876
· (201) 969-1294
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1948 Purchased 1980
MP

John Gervasio

Male
·
5220 William St, Lancaster, NY 14086 (Erie County)
42.8811, -78.6494
· (716) 684-3347
TZ: Eastern
Homeowner Single Family Built 1986
MP

John Gervasio

Age 76 Male
·
23398 N Apple Hill Ln, Lincolnshire, IL 60069 (Lake County)
42.2044, -87.9490
· (224) 619-0399
Marital: Married TZ: Central
Occ: Technical Edu: Some College
Homeowner Single Family Built 1972 Purchased 2009
MP

John G Gervasio

Age 75 Male
·
34 Cross Rd, Basking Ridge, NJ 07920 (Somerset County)
40.6859, -74.5445
· (908) 766-3515
Marital: Married TZ: Eastern
Homeowner Single Family Built 1964
MP

John Gervasio

Age 66 Male
·
806 Shepherd St, Durham, NC 27701 (Durham County)
35.9937, -78.9130
Marital: Single TZ: Eastern
Edu: Graduate School
Homeowner Multi-Family Built 1950 Purchased 2002
MP

John Gervasio

Male
·
283 Montaup St, Fall River, MA 02724 (Bristol County)
41.6865, -71.1660
· (508) 677-2676
Marital: Single TZ: Eastern
Homeowner Single Family
MP

John Gervasio

Age 57 Male
·
400 Passaic Ave, Lodi, NJ 07644 (Bergen County)
40.8723, -74.0918
TZ: Eastern
Single Family
MP

John J Gervasio

Age 54 Male
·
509 Leahy Ln, Ballston Spa, NY 12020 (Saratoga County)
43.0189, -73.8560
Marital: Single TZ: Eastern
Homeowner Single Family
MP

John C Gervasio

Age 92 Male
·
227 Kent Rd, Hoyt Lakes, MN 55750 (Saint Louis County)
47.5112, -92.1442
· (218) 686-7277
Marital: Married TZ: Central
Occ: Professional Edu: Vocational/Technical
Homeowner Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 10 demographic profiles associated with John Gervasio. 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 John Gervasio. These loans were issued to businesses, not individuals.

Rodolfo Quintero-Cruz

Independent Contractors

$12,721 Exemption 4
Address:
400 Passaic Ave
East Newark, NJ07029-2855
Approved

May 11, 2021

Forgiven

$12,894

Jobs Reported

1

Loan #

8481308908

Loan Size

Small

Fernando Alonso Rivera

Sole Proprietorship

$9,400 Paid in Full
Address:
3615 17th St
San Francisco, CA94114-2612
Approved

Jan 27, 2021

Forgiven

$9,457

Jobs Reported

1

Loan #

6943128310

Loan Size

Small

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

Find John Gervasio on the map

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Found 66 results across 10 states

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John Gervasio in NC: Background Summary

Location
806 Shepherd St Durham, NC 27701-3137
Other Locations
Hoyt Lakes, MN · Ballston Spa, NY · Wallingford, CT and 15 more
Profiles Found
32 people with this name
Phone Numbers
(201) 224-2252 and 19 others on file
Email
jgervasio@aol.com and 12 others on file
Possible Relatives
Barbara L Gervasio, Marie J Gervasio, Michael John Gervasio, Matthew T Gervasio, Barbara L Howard and 63 more
Career
Operations Manager, Paper Certification Coordinator at John's Hair Styling, Gervasio's Auto Svc Inc
Voter Registration
Registered Republican
Properties
2properties owned
Vehicles
2 linked — 2011 Bmw 3-Series, 2006 Buick Lucerne
Contributions
$712 total — Durham Dec, Tulisano, Richard D
PPP Loans
$22,121.25 for Rodolfo Quintero-Cruz, Fernando Alonso Rivera

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 John Gervasio. 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 John Gervasio

Search Complexity: High

86 public records across 10states, belonging to approximately 32 different individuals. With 32 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: New York (23%), followed by New Jersey and Minnesota. Spans the Northeast and Midwest regions.

NY20recordsNJ18recordsMN6recordsNC6recordsCT4recordsFL3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (52%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (16) and Political Contribution Records (8).

39
Contact & Address Records
16
Business & Corporate Filings
8
Political Contribution Records
4
Voter Registration Records
3
Property Ownership Records
2
Vehicle Registration Records

Age Distribution

Age range: approximately 63 years, suggesting multiple generations. Largest group: Senior (65+) (80%).

Senior (65+)12peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About John Gervasio

Is John Gervasio a registered voter?
Yes, voter registration records show John Gervasio is registered with R affiliation. We found 4 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does John Gervasio own property?
County assessor records show 3 properties associated with John Gervasio . 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 John Gervasio?
Records show 2 vehicle registrations associated with John Gervasio, including a 2011 BMW 3-Series. Registered makes include Bmw, Buick. 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 John Gervasio?
We found 16 business affiliations for John Gervasio (Operations Manager). Other companies include Gervasio's Auto Svc Inc, Gervasios Auto Service Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has John Gervasio made political donations?
FEC disclosure records show 8 reported political contributions from John Gervasio, totaling $712. Recipients include Tulisano, Richard D and Durham Dec. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for John Gervasio?
Our database contains 86 total records for John Gervasio spanning 10 states. This includes 32 distinct contact records, 20 with phone numbers, 7 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 John Gervasio?
The 86 records displayed for John Gervasio 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 John Gervasio 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.