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Joy Lyle

📍 620 Hunters Grove Ct, Buford Ga
📞 (470) 350-4106, (404) 606-9404, (404) 200-4934
✉️ JCAD10@ROCKETMAIL.COM, jcad10@rocketmail.com, joylyle3@yahoo.com, ohmemommyof3@yahoo.com

Joy Lyle

Age 30 b. 1996-02-08
📍 4835 N Cedar Ave Apt 217, Fresno Ca
📞 (951) 224-5073, (559) 974-6201
✉️ AARONJAY0@LIVE.COM, aaronjay0@live.com

Joy Lyle from La Grange, TX

Age 51
📍 1017 Madison St, La Grange, TX 78945
📞 (979) 968-8707, (512) 576-2370
✉️ joyl1963@hotmail.com
👨‍👩‍👧 Relatives: James Eastman Lyle,Jim Lyle

Joy Lyle

📍 4222 Brentwood Dr, Buf Ga 30518
📞 (470) 350-4106, (404) 606-9404
✉️ JCAD10@ROCKETMAIL.COM

Joy Lyle from Fairburn, GA

Age 80 b. Jun 1946 Fulton Co.
📍 6040 Short Rd
📞 (770) 964-4784, (770) 669-8082

Joy Lyle from Antioch, TN

Age 48 b. Mar 1978 Davidson Co.
📍 5170 Hickory Hollow Pkwy Apt 179
📞 (615) 717-1215

Joy Lyle from Raymond, MS

Age 83
📍 312 Po Box, Raymond, MS 39154
📞 (304) 527-4132, (601) 857-4104
👨‍👩‍👧 Relatives: Gordon L Lyle,Joyce B Lyle

Joy Lyle

📍 4222 Brentwood Dr, Buford Ga 30518
📞 (404) 200-4934, (404) 606-9404
✉️ OHMEMOMMYOF3@YAHOO.COM

Joy Lyle from Keota, IA

Age 69 b. Aug 1956 Keokuk Co.
📍 17844 330th Ave
📞 (641) 636-3056

Joy Lyle from Beverly, MA

Age 56 b. Dec 1969
📍 17 Mason St 1
📞 (208) 736-3946

Joy Lyle from Beverly Hills, CA

Age 95 b. Nov 1930 Los Angeles Co.
📍 1178 Eventide Pl
📞 (310) 273-3431

Joy Lyle from Cordova, TN

Age 91
📍 2059 Duncanshire Rd #3, Cordova, TN 38016
📞 (901) 756-8099, (901) 388-9667, (901) 756-8099, (901) 276-3039

Joy Lyle from Ocala, FL

Age 57 b. 1969 Female
📍 3 Dogwood Trail Ln
📞 (352) 615-9887

Joy Lyle from Salem, OR

Age 59 b. May 1967 Polk Co.
📍 178 Paradise Ct

Joy Lyle from Memphis, TN

Age 92
📍 1550 Parkway #605, Memphis, TN 38112

Joy Lyle from Centreville, VA

📍 13836 Braddock Springs Rd Apt A
📞 (703) 830-8151

Joy Lyle from Jurupa Valley, CA

Age 30 b. 1996 U
📍 3635 Crestmore Rd

Joy Lyle from Los Angeles, CA

Los Angeles Co.
📍 1375 Miller Dr

Joy Lyle from Meridian, MS

Lauderdale Co.
📍 3210 36th St

Joy Lyle from Walterboro, SC

📍 153 Bachelor Hill Rd

Joy Lyle from Victoria, TX

Victoria Co.
📍 1913 Melrose Ave

Joy Lyle from Walterboro, SC

Colleton Co.
📍 4 Th St

Joy Lyle from Cordova, TN

Shelby Co.
📍 8146 Rockcreek Pl 6

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 23 contact records for Joy Lyle across 11 states. The most recent address on file is in Fairburn, Georgia. Of these records, 14 include phone numbers and 5 include email addresses. Ages range from 51 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.

Lyle Joy

Marion County
PIN: 9018-0304-02
· 3 Dogwood Trail Ln, Ocala 34472
Value: $63,846

Lyle Joy

Marion County
PIN: 9018-0304-02
· 3 Dogwood Trail Ln, Ocala
Built: 2006.0
Assessed: $97,371

Lyle Joy

Marion County
· 3 Dogwood Trail Ln, Ocala 34472.0
Built: 2006.0
Assessed: $97,371

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

Joy Lyle

Sugar Hill, 30518
DOB: 1/1/1976 Gender: Female
Congress: 007

Joy Lyle

Milledgeville, 310618004
DOB: 1/1/1970 Gender: Female
Congress: 010

Joy T Lyle

Democrat Reg: 12/12/2015
S U Smith Hall, Selinsgrove, PA, 17870
DOB: 03/27/1997 Gender: Female

Joy L Lyle

3 Dogwood Trail Ln, Ocala, , 34472

Joy Carol Lyle

Reg: 19920101
3127 Kings Gap Rd, Shiloh, 318262120
Gender: Female

Joy T Lyle

S U Smith Hall
DOB: 03/27/1997 Gender: Female

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 6 voter registration records were found for Joy Lyle in Pennsylvania, . 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.

2007 DODGE NITRO
· Registered to: Joy Lyle
· VIN: 1D8GT28K97W736208
·
PO Box 474, La Grange, TX, 78945
2013 Hyundai Elantra
· Registered to: Joy Lyle
· VIN: 5NPDH4AE2DH198522
·
14625 Outpost Ct, Centreville, VA, 20121
·
(248) 210-8458
2004 Chevrolet Suburban
· Registered to: Joy Lyle
· VIN: 1GNFK16Z94J202052
·
2209 Wheeler St, Johnson City, TN, 37604
2007 Toyota Rav4
· Registered to: Joy Lyle
· VIN: JTMBK31VX76025719
·
17844 330Th Ave, Keota, IA, 52248

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 4 vehicle registration records are associated with Joy Lyle. Registered makes include Dodge, Hyundai, Chevrolet, Toyota. The most recent model year on record is 2013. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Taylor Corp

Human Resources Manager
+19529327922jalyle@taylorcorp.com
Minneapolis,
LinkedIn

St Peter Hockey Association INC

Joy LyleBoard Member
St Peter, MN

Joy Lyle

Customer Service Plus
Four Flags Over Aspen
United States Textiles
LinkedIn

Joy Lyle

District Of Columbia
LinkedIn

Wassarman, Heather PhD

Joy LyleSenior Marketing Specialist
(706) 635-3952stressbuster@ellijay.com
P. O. Box 1764, Ellijay, GA30540
heatherwassarman.com

Joy Lyle

Program Technician at USDA

Wassarman, Heather PhD

Joy LyleSenior Marketing Specialist
(706) 635-3952stressbuster@ellijay.com
P. O. Box 1764, Ellijay, GA30540

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 18 business affiliations were found for Joy Lyle. Companies include Four Flags Over Aspen, Wassarman, Heather PhD. Roles listed include Human Resources Manager and Human Resources Business Partner. Records are compiled from state business registries, SEC filings, and professional networking databases.

Ussu Arts Group, INC.

Filed: Aug 17, 1990
Registered Agent: Joy Lyle

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA Gilmer County

Lyle, Joy

Addr: 139 Wall Street Ellijay, GA 30540, Ellijay, GA, 30540
GA

Jelly Jar Cafe, INC.

Addr: 2805 Main St, E Pt, GA, 30344
GA
Officer: Joy Lyle

Joy Lyle

Addr: 17844 330th Ave, Keota, IA, 52248
IA

Joy Lyle

Addr: 17844 330th Ave, Keota, IA, 52248
IA

Joy Lyle

Addr: 17844 330th Ave, Keota, IA, 52248
IA

Joy Lyle

Addr: 17844 330th Ave, Keota, IA, 52248
IA

Jelly Jar Cafe, INC.

Addr: 2805 Main St, E Pt, GA, 30344
GA
CEO: Joy Lyle

Unknown Corporation

Officer: Joy Lyle
Registered Agent: Joy Lyle

Source: Public Records Joy Lyle appears in 28 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

joy lyle

Health
VALID
License # G298696
Addr: Sunrise, FL
Issued: Dec 1, 2025

joy lyle

Health
VALID
License # G298696
Addr: Sunrise, FL

joy lyle

NPN 22061510
Addr: Sunrise, FL

Source: State Professional Licensing Boards · Dept. of Professional Regulation Joy Lyle holds 3 state-issued professional licenses on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Joy Lyle

Harris County High School - Hamilton, GA, GA
1985

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Joy Lyle 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 Sep 8, 2019
2020 DEM
Buttigieg, Pete
Lyle, Joy Teacher @ Marion County Schools Ocala, FL
$2 Aug 13, 2007
2008
United Uniserv Political Action Committe
Lyle, Joy Teacher Ocala, FL
$30 Nov 10, 2020
2020 REP
Loeffler, Kelly
Lyle, Joy Retired Raymond, MS
$10 Sep 8, 2019
DEM
Buttigieg, Pete
Contributor Teacher @ Marion County Schools Ocala, FL

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 4 political contribution records found for Joy Lyle. Total disclosed contributions amount to $52. Recipients include Buttigieg, Pete. Federal law requires disclosure of contributions above $200 to federal candidates.

Joy Lyle

License: 44070 Salesperson

Source: State Real Estate Commissions · NAR License Databases

MP

Joy A Lyle

Age 61 Female
·
17844 330th Ave, Keota, IA 52248 (Keokuk County)
41.3947, -91.9661
· (641) 636-3056
Marital: Married TZ: Central
Homeowner Single Family Built 1900
MP

Joy M Lyle

Age 46 Female
·
121 Sunset Ln, Woodstock, GA 30189 (Cherokee County)
34.1488, -84.5880
· (770) 516-9765
Marital: Married TZ: Eastern
Homeowner Single Family Built 2005 Purchased 2007
MP

Joy Lyle

Female
·
113 Quail Run Dr, Warner Robins, GA 31088 (Houston County)
32.5932, -83.7018
· (478) 953-3527
Marital: Married TZ: Eastern
Occ: Professional
Homeowner Single Family Built 1977
MP

Joy A Lyle

Age 26 Female
·
1040 Leffingwell Ave NE, Grand Rapids, MI 49525 (Kent County)
42.9812, -85.6005
TZ: Eastern
Multi-Family
MP

Joy C Lyle

Age 63 Female
·
116 Ridgecrest Rd, Walterboro, SC 29488 (Colleton County)
32.9103, -80.6715
Marital: Married TZ: Eastern
Occ: White Collar Edu: High School
Single Family
MP

Joy Lyle

Female
·
817 Spruce Pl, Saint Peter, MN 56082 (Nicollet County)
44.3137, -93.9773
TZ: Central
Homeowner Single Family Built 1995 Purchased 2015
MP

Joy C Lyle

Age 50 Female
·
3127 Kings Gap Rd, Shiloh, GA 31826 (Harris County)
32.8131, -84.7089
Marital: Single TZ: Eastern
Edu: High School
Homeowner Single Family
MP

Joy Lyle

Age 86 Female
·
PO Box 312, Raymond, MS 39154 (Hinds County)
32.2480, -90.4182
· (601) 857-4104
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Built 1958 Purchased 1987
MP

Joy Lyle

Age 39 Female
·
13836 Braddock Springs Rd, Centreville, VA 20121 (Fairfax County)
38.8351, -77.4256
Marital: Inferred Single TZ: Eastern
Occ: Service Industry Edu: High School
Homeowner Multi-Family
MP

Joy L Lyle

Age 47 Female
·
3 Dogwood Trail Ln, Ocala, FL 34472 (Marion County)
29.1256, -82.0512
· (352) 615-9887
Marital: Single TZ: Eastern
Occ: Management Edu: Some College
Homeowner Single Family Built 2006 Purchased 2008

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

Trent Lyle

Sole Proprietorship

$20,833 Paid in Full
Address:
17844 330th Ave
Keota, IA52248-8523
Approved

Mar 18, 2021

Forgiven

$20,886

Jobs Reported

1

Loan #

4128768602

Loan Size

Small

Richard F Lyle Family Residuary Trust

Trust

$15,417 Paid in Full
Address:
17844 330th Ave
Keota, IA52248-8523
Approved

Jan 16, 2021

Forgiven

$15,475

Jobs Reported

1

Loan #

1165268306

Loan Size

Small

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

Find Joy Lyle on the map

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Found 74 results across 14 states

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Joy Lyle in Buford, GA: Background Summary

Location
620 Hunters Grove Ct, Buford Ga, Buford, GA
Other Locations
Fairburn, GA · Antioch, TN · Keota, IA and 11 more
Profiles Found
23 people with this name
Phone Numbers
(470) 350-4106 and 15 others on file
Email
jcad10@rocketmail.com and 4 others on file
Possible Relatives
James Eastman Lyle, Jim Lyle, Gordon L Lyle, Joyce B Lyle
Career
Human Resources Manager, Human Resources Business Partner at Four Flags Over Aspen, Wassarman, Heather PhD
Voter Registration
Registered Democrat
Properties
2properties owned
Vehicles
4 linked — 2007 Dodge Nitro, 2013 Hyundai Elantra and 2 more
Contributions
$52 total — Buttigieg, Pete
Licenses
2 professional licenses (HEALTH)
PPP Loans
$36,250 for Trent Lyle, Richard F Lyle Family Residuary Trust

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 Lyle. Because public records are indexed by name rather than by a unique identifier, the 109 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 Lyle

Search Complexity: High

109 public records across 14states, belonging to approximately 23 different individuals. With 23 distinct profiles across 14 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 14 states. Highest concentration: Georgia (30%), followed by Iowa and Florida. Spans the South and Midwest regions.

GA33recordsIA7recordsFL6recordsTN5recordsCA4recordsMS3records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (30%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Corporate Records (28) and Business & Corporate Filings (18).

29
Contact & Address Records
28
Corporate Records
18
Business & Corporate Filings
6
Voter Registration Records
4
Vehicle Registration Records
4
Political Contribution Records

Age Distribution

Age range: approximately 66 years, suggesting multiple generations. Largest group: Senior (65+) (55%).

Senior (65+)6peopleMiddle-Age (40-64)4peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About Joy Lyle

Is Joy Lyle a registered voter?
Yes, voter registration records show Joy Lyle is registered. We found 6 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Joy Lyle own property?
County assessor records show 3 properties associated with Joy Lyle . 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 Lyle?
Records show 4 vehicle registrations associated with Joy Lyle, including a 2007 DODGE NITRO. Registered makes include Dodge, Hyundai, Chevrolet, Toyota. 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 Lyle?
We found 18 business affiliations for Joy Lyle (Human Resources Manager). Other companies include Wassarman, Heather PhD. Business records are compiled from state registries, SEC filings, and professional databases.
Has Joy Lyle made political donations?
FEC disclosure records show 4 reported political contributions from Joy Lyle, totaling $52. Recipients include Buttigieg, Pete. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Joy Lyle?
Our database contains 109 total records for Joy Lyle spanning 14 states. This includes 23 distinct contact records, 14 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 Lyle?
The 109 records displayed for Joy Lyle 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 Lyle 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.