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Ms Joy Y Brandon from Liberty, MO

Age 66
📍 10109 Lakeview Cir, #liberty, MO 64068-7759
👨‍👩‍👧 Relatives: Dennis E Brandon,James Hugo Rasmussen,Janice G Brandon,Jeannie L Kirkland,Melissa Dianne Kirkland,Michael F Kirkland,Michael Neal Kirkland,Tracy M Kirkland,Brandon P Granville,Carrie J Kirkland,Carrie J Kirkland,Charles A Neal,Charles B Neal 4th,Cynthia E Robinson,Debra J Land,Dwain H Rasmussen,Gloria S Granville,Jennifer L Banes,Jenny Williams Andrews,Lea Denise Brandon,Maggie Dunn,Martha A Ketterer,Martha L Rasmussen,Matt Kirkland,Melissa Granville,Melissa Granville,Melissa Kirkland,Nancy Margaret Gilmor,Paul J Contreras,Ramona L Whalen,Richard Granville,Richard L Granville Sr,Robert F Kirkland,Sarah E Martin,Shirley M Kirkland,Srinath Vadlamani,Zoe C Granville,Darla J West,Doris J West,Gerald I Roush,Jason D Denen Jr,Sarah L Denen,Thomas J Denen Jr,Thomas J Denen Jr,Thomas J Denen Sr,Victoria L Denen
🕐 12 previous addresses

Joy Brandon

📍 2169 Turner Church Rd, Mcdonough Ga
📞 (678) 773-8029, (770) 490-5592
✉️ JOYBRANDON517@HOTMAIL.COM

Joy Brandon

Age 49 b. 1976-11-03
📍 5939 Lehman Dr, Bedford Hts Oh
📞 (216) 401-3672
✉️ BRANDONJOYN@AOL.COM

Joy Brandon from Russellville, AR

Age 56
📍 113 Hughes Dr, Russellville, AR 72802
📞 (501) 967-8340, (757) 872-8109
👨‍👩‍👧 Relatives: Jimmy R Brandon,Jim Brandon,Brandon Jimmy Brandon,B Brandon

Joy Brandon from San Angelo, TX

0
📍 505 Monroe St, San Angelo, TX 76901
📞 (915) 658-5102, (806) 795-6178
👨‍👩‍👧 Relatives: Randall Dwayne Brandon,Regina Allen Brandon,D W Brandon,Elton E Brandon

Joy Brandon from Bedford, TX

Age 70 b. Jul 1955
📍 1745 Woodhill Ct
📞 (817) 540-0884
👤 aka Joy Donovanbrandon, Joy Donovan-Brandon, Jd Brandon

Joy Brandon from Miami, FL

0
📍 13390 91st Ter #g, Miami, FL 33186
📞 (305) 382-2157

Joy Brandon from Miami, FL

Age 76
📍 14530 74th St, Miami, FL 33183
👨‍👩‍👧 Relatives: Garry Michael Brandon,Todd Alenn Brandon,Joyce Brandon,Steven C Brandon

Joy Brandon from Phenix City, AL

Age 53
📍 4 Ford Rd, Phenix City, AL 36869
📞 (334) 297-3839
👨‍👩‍👧 Relatives: Thomas C Brandon,Kimberly Brandon

Joy N Brandon

📍 5939 Lehman Dr, Bedford Oh
📞 (216) 401-3672, (216) 336-5118
✉️ BRANDONJOYN@AOL.COM

Joy Brandon from Maryville, TN

Age 67
📍 1123 Broadway Ave, Maryville, TN 37801
📞 (865) 523-6646, (865) 523-8789, (865) 523-6646
👨‍👩‍👧 Relatives: Gatlin Brandon

Joy Brandon from Birmingham, AL

Age 67 b. Jan 1959 Shelby Co.
📍 5400 Sunrise Dr
📞 (205) 408-9065

Joy Brandon from Russellville, AR

Age 67 b. Jul 1958 Pope Co.
📍 113 Hughes Dr
📞 (501) 967-8340

Joy Brandon from Fayetteville, AR

Age 56 b. 1970 Female
📍 2161 E Lensfield Pl
📞 (512) 241-9414 (Cell)

Joy Brandon

📍 6130 Lonas Dr, Knoxville Tn
📞 (865) 748-9146, (865) 748-9146
✉️ JOIEBRANDON@AOL.COM

Joy Brandon

📍 641 Scenic Dr, Knoxville Tn 37919
📞 (865) 748-9146, (865) 748-9146
✉️ JOIEBRANDON@AOL.COM

Joy Brandon from Phenix City, AL

Age 66 b. 1960 Female
📍 4 Ford Rd
📞 (706) 577-6577

Joy Brandon from Lenoir City, TN

Age 78 b. Sep 1947 Loudon Co.
📍 1573 Crestview Ci
👤 aka Mccollister Joy W

Joy Brandon from Phenix City, AL

Age 65 b. Dec 1960 Russell Co.
📍 Rr 4 Po Box 117

Joy Brandon from New York, NY

Age 79 b. Feb 1947 New York Co.
📍 350 E 52nd St 3 D

Joy Brandon from Madera, CA

Age 69 b. Mar 1956 Madera Co.
📍 18858 Shell Dr

Joy Brandon from Cleveland, OH

Age 49 b. Nov 1976 Cuyahoga Co.
📍 12509 Angelus Ave 2

Joy Brandon from Live Oak, FL

Suwannee Co.
📍 19166 76th St
📞 (631) 979-5099

Joy Brandon from Hilton Head Island, SC

Beaufort Co.
📍 10 Dinghy

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 24 contact records for Joy Brandon across 10 states. The most recent address on file is in Bedford, Texas. Of these records, 17 include phone numbers and 5 include email addresses. Ages range from 53 to 76, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Brandon Joy G % McMurray & Company

Knox County
· 641 Scenic Dr, District-4

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 1 property record linked to Joy Brandon in District-4. Values shown are from county assessor records and may differ from current market prices.

Joy Brandon

Atlanta, 30312
DOB: 1/1/1988 Gender: Female
Congress: 005

Joy Brandon

McDonough, 30252
DOB: 1/1/1974 Gender: Female
Congress: 010

Joy Christine Brandon

Democrat Reg: 01/07/2018
708 S 18th St 1r, Philadelphia, PA, 19146
DOB: 07/03/1988

Joy Rene Brandon

2161 E Lensfield Place, Fayetteville, AR, 72701

Joy Elizabeth Brandon

15045 Pine Meadows Dr, Fort Myers, , 33908

Joy Marie Brandon

Reg: 20140617
2169 Turner Church Rd, McDonough, 30252
Gender: Female

Joy Y Brandon

County: Clay

Joy Christine Brandon

708 S 18th St 1r
DOB: 07/03/1988

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 8 voter registration records were found for Joy Brandon in Pennsylvania, Arkansas, . Party affiliation is listed as D. 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.

2012 CHRYSLER TOWN AND COUNTRY
· Registered to: Joy Brandon
· VIN: 2C4RC1BG9CR213294
·
4 Ford Rd, Phenix City, AL, 36869-5525
·
(706) 577-6577
2006 Honda Pilot
· Registered to: Joy Brandon
· VIN: 5FNYF18726B000133
·
Po Box 10012, Knoxville, TN, 37939
·
(865) 748-9146
2007 DODGE RAM PICKUP 1500
· Registered to: Joy Brandon
· VIN: 1D7HU18257S189431
·
3665 Glencairn Rd, Shaker Heights, OH, 44122-5062
·
(216) 991-1941
2009 GMC Canyon
· Registered to: Joy Brandon
· VIN: 1GTCS139X98117039
·
4 Ford Rd, Phenix City, AL, 36869-5525
·
(706) 577-6577

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

Nebo

Search Engine Optimization Specialist
+14135486216mahoney.joy@gmail.com
Philadelphia,
LinkedIn

Red Cross

Manager
Jacksonville, NC
Social Services (Services)

Nebo Agency

Joy BrandonLead SEO Strategist at Nebo Agency
Philadelphia,
LinkedIn

John Post Photography

Joy BrandonCPA/Account/Partner
(910) 347-3581brandonj@rcmetronj.org
12 Ruth St, Jacksonville, NC28540
anthro-graphics.com

Rockford School District 205

Joy BrandonGrade 3
(815) 229-2492joy.brandon@rps205.com
Rockford, IL

Joy Brandon

United States

Web Plus; Inc

Joy BrandonManager
(910) 347-3581brandonj@rcmetronj.org
12 Ruth St, Jacksonville, NC28540

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 11 business affiliations were found for Joy Brandon. Companies include Red Cross, Rockford School District 205, Web Plus; Inc. Roles listed include Search Engine Optimization Specialist and Lead SEO Strategist at Nebo Agency. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: AK
AK
Vice-President: Joy Brandon

Unknown Corporation

Addr: 4000 Fairway Court, Arlington, TX, 76013
TX
Managing Member: joy D. brandon

Joy Brandon,

Addr: 1831 Pendleton Ave, Kansas City, MO, 64124
MO

Aws Management Company, LLC

Addr: 641 Scenic Dr, Knoxville, TN, 37919-6654
TN
Registered Agent: Joy Brandon

Unknown Corporation

Addr: Knoxville, TN
TN
Officer: joy GATLIN brandon

eSocialWorld LLC

ID: 0801051024
Addr: 4000 Fairway Court, Arlington, TX, 76013
TX
Managing Member: Joy D. Brandon

Source: Public Records Joy Brandon appears in 6 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Joy brandon

Real Estate Salesperson
License # 10401324963
Firm: Serhant
Addr: New York, NY
County: New York
Exp: Oct 24, 2026

Source: State Professional Licensing Boards · Dept. of Professional Regulation Joy Brandon 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.

Joy Brandon

Rockdale High School - Conyers, GA, GA
1993

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Joy Brandon 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 Jul 17, 2019
2020 DEM
Warren, Elizabeth
Brandon, Joy Marketing @ Self Atlanta, GA
$20 Jun 26, 2019
2020
Actblue Texas
Brandon, Joy PR @ Non Profit Bedford, TX
$5 Aug 15, 2019
2020 DEM
Castro, Julian
Brandon, Joy Director @ American Cancer Society Bedford, TX
$200 May 10, 2012
2012
Wigington, Thomas Jeffrey
Brandon, Joy Housewife Conyers, GA
$10 Jul 17, 2019
DEM
Warren, Elizabeth
Contributor Marketing @ Self Atlanta, GA
$20
2020
Actblue Texas
Contributor PR @ Non Profit Bedford, TX
$20 20190626
ActBlue Texas
Contributor PR @ Non-Profit Bedford, TX

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 7 political contribution records found for Joy Brandon. Total disclosed contributions amount to $285. Recipients include Warren, Elizabeth, Actblue Texas, ActBlue Texas. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Joy Y Brandon

Age 65 Female
·
10109 Lakeview Cir, Liberty, MO 64068 (Clay County)
39.2216, -94.4473
· (816) 781-5404
Marital: Married TZ: Central
Occ: White Collar Edu: High School
Homeowner Single Family Built 2004
MP

Joy L Brandon

Age 56 Female
·
4 Ford Rd, Phenix City, AL 36869 (Russell County)
32.4519, -85.0765
· (706) 577-6577
Marital: Married TZ: Central
Occ: Management Edu: Some College
Homeowner Single Family Built 1990 Purchased 1990
MP

Joy Brandon

Female
·
5939 Lehman Dr, Bedford, OH 44146 (Cuyahoga County)
41.3976, -81.4991
· (440) 252-7219
TZ: Eastern
Homeowner Single Family Built 1965 Purchased 2014
MP

Joy Brandon

Female
·
2161 E Lensfield Pl, Fayetteville, AR 72701 (Washington County)
36.0836, -94.1296
· (512) 241-9414
TZ: Central
Homeowner Single Family Built 1989 Purchased 2011
MP

Joy Brandon

Age 66 Female
·
12 Noel Ave, Danville, VA 24541 (Danville City County)
36.5622, -79.4402
· (434) 792-7785
TZ: Eastern
Single Family
MP

Joy Brandon

Female
·
408 S Northshore Dr, Knoxville, TN 37919 (Knox County)
35.9293, -84.0009
· (865) 748-9146
TZ: Eastern
Single Family
MP

Joy N Brandon

Age 40 Female
·
3665 Glencairn Rd, Shaker Hts, OH 44122 (Cuyahoga County)
41.4601, -81.5516
Marital: Married TZ: Eastern
Occ: Healthcare Edu: Some College
Single Family
MP

Joy Brandon

Female
·
2196 Pebble Creek Dr, Twinsburg, OH 44087 (Summit County)
41.3228, -81.4538
TZ: Eastern
Multi-Family
MP

Joy A Brandon

Age 59 Female
·
113 Hughes Dr, Russellville, AR 72802 (Pope County)
35.3014, -93.1709
· (479) 970-3628
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1972
MP

Joy F Brandon

Age 60 Female
·
2304 Candlewood Dr, Franklin, TN 37069 (Williamson County)
36.0244, -86.8932
· (615) 661-4995
Marital: Married TZ: Central
Edu: Graduate School
Homeowner Single Family Built 1974
MP

Joy Brandon

Age 61 Female
·
203 W Loyola Ave, Clovis, CA 93619 (Fresno County)
36.8623, -119.7150
· (559) 822-4699
Marital: Married TZ: Pacific
Edu: High School
Homeowner Single Family Purchased 2006
MP

Joy Brandon

Age 70 Female
·
PO Box 10012, Knoxville, TN 37939 (Knox County)
35.9367, -83.9937
TZ: Eastern
Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 12 demographic profiles associated with Joy Brandon. 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 Joy Brandon. These loans were issued to businesses, not individuals.

Pediatric Sedation, LLC

Corporation

$12,500 Paid in Full
Address:
9320 Kingston Pike
Knoxville, TN37922-2319
Approved

Jun 16, 2020

Forgiven

$12,595

Jobs Reported

1

Loan #

6655237906

Loan Size

Small

Knox Wellness, PLLC

Limited Liability Company(LLC

$74,295 Paid in Full
Address:
9320 Kingston Pike
Knoxville, TN37922-2319
Approved

Apr 11, 2020

Forgiven

$74,987

Jobs Reported

9

Loan #

3315947101

Loan Size

Small

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

Joy Brandon

Lotto Texas®
$2,022
Prize Won
·San Angelo, TX
Claimed: 1994-09-26T00:00:00.000

Source: IMDb · Open Library · Sports Reference · FIDE Chess Federation Additional public records from specialized databases including entertainment industry credits (IMDb), published works (Open Library), sports statistics, and other publicly available reference sources.

Find Joy Brandon on the map

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Found 64 results across 16 states

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Joy Brandon in McDonough, GA: Background Summary

Location
2169 Turner Church Rd, McDonough Ga, McDonough, GA
Other Locations
Bedford, TX · Birmingham, AL · Russellville, AR and 8 more
Profiles Found
24 people with this name
Phone Numbers
(816) 781-5404 and 18 others on file
Email
joybrandon517@hotmail.com and 2 others on file
Possible Relatives
Dennis E Brandon, James Hugo Rasmussen, Janice G Brandon, Jeannie L Kirkland, Melissa Dianne Kirkland and 53 more
Career
Search Engine Optimization Specialist, Lead SEO Strategist at Nebo Agency at Red Cross, Rockford School District 205
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
4 linked — 2012 Chrysler Town And Country, 2006 Honda Pilot and 2 more
Contributions
$285 total — Actblue Texas, ActBlue Texas
Licenses
1 professional license (REAL ESTATE SALESPERSON)
PPP Loans
$86,795 for Pediatric Sedation, LLC, Knox Wellness, PLLC

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 Joy Brandon. Because public records are indexed by name rather than by a unique identifier, the 87 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 Joy Brandon

Search Complexity: High

87 public records across 16states, belonging to approximately 24 different individuals. With 24 distinct profiles across 16 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 16 states. Highest concentration: Texas (11%), followed by Tennessee and Florida. Spans the South and Midwest regions.

TX10recordsTN9recordsFL7recordsAR7recordsAL6recordsNC6records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (45%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (11) and Voter Registration Records (8).

33
Contact & Address Records
11
Business & Corporate Filings
8
Voter Registration Records
7
Political Contribution Records
6
Corporate Records
4
Vehicle Registration Records

Age Distribution

Age range: approximately 29 years, suggesting multiple generations. Largest group: Senior (65+) (70%).

Senior (65+)7peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About Joy Brandon

Is Joy Brandon a registered voter?
Yes, voter registration records show Joy Brandon is registered. We found 8 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Joy Brandon own property?
County assessor records show 1 property associated with Joy Brandon . 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 Joy Brandon?
Records show 4 vehicle registrations associated with Joy Brandon, including a 2012 CHRYSLER TOWN AND COUNTRY. Registered makes include Chrysler, Honda, Dodge, Gmc. 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 Joy Brandon?
We found 11 business affiliations for Joy Brandon (Search Engine Optimization Specialist). Other companies include Rockford School District 205, Web Plus; Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Joy Brandon made political donations?
FEC disclosure records show 7 reported political contributions from Joy Brandon, totaling $285. Recipients include Warren, Elizabeth and Actblue Texas and 1 others. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Joy Brandon?
Our database contains 87 total records for Joy Brandon spanning 16 states. This includes 24 distinct contact records, 17 with phone numbers, 5 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 Joy Brandon?
The 87 records displayed for Joy Brandon 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 Joy Brandon 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.