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Larry Hibbler from Camarillo, CA

Age 63
📍 853 Corte Frondosa, Camarillo, CA 93010
📞 (805) 484-6852, (323) 935-2628, (310) 337-7019
✉️ debbre1@hotmail.com, debre@aol.com, debre@hotmail.com, debre@sbcglobal.net, debre1@hotmail.com, lhibb@aol.com, lhibb@msn.com
👨‍👩‍👧 Relatives: Robbie Hibbler,Natasha Tessius Wellshibbler,Ella Hibbler,Natashe Hibbler,Family Trust Hibbler
🏪 Southpro Company, Inc

Larry Hibbler from Camarillo, CA

Age 75 b. Sep 1950 Male
📍 853 Corte Frondosa
💼 1702
📞 (310) 466-5535 (Cell), (805) 484-6842
✉️ debre1@aol.com

Larry Hibbler

Age 34 b. 1991-06-13
📍 15414 Kuykendahl Rd Apt 305, Houston Tx
📞 (832) 808-2246, (832) 808-2246
✉️ KEITHHIBBLER@GMAIL.COM, keithhibbler@gmail.com

Larry Hibbler from Tampa, FL

Age 67
📍 9848 Gingerwood Dr, Tampa, FL 33626
📞 (813) 926-8686, (813) 335-6512, (813) 546-7233, (205) 822-0738, (813) 926-8686, (301) 490-4488, (205) 871-6005
👨‍👩‍👧 Relatives: Caroline Beatty Hibbler,Margaret Eileen Hibbler,Elliott Hibbler,Larry Elliott Hibbler

Larry Hibbler from Coldwater, MS

Age 59
📍 290 Goliath Rd, Coldwater, MS 38618
📞 (662) 622-7526, (662) 622-7526, (662) 808-0046
👨‍👩‍👧 Relatives: Johnny B Uhibbler,Lawrence G Hibbler,Johnny B Hibbler,W R Hibbler

Larry Hibbler from Tunica, MS

Age 62
📍 1112 Park Cv, Tunica, MS 38676
📞 (662) 363-3180, (901) 363-3180, (601) 527-5015
👨‍👩‍👧 Relatives: Annie Mae Hibbler,Tarrance D Hibbler,Christopher D Hibbler,Lawrence D Hibbler

Larry Hibbler from Humble, TX

Age 63
📍 19814 Lions Gate Ct, Humble, TX 77338
📞 (281) 540-7683, (713) 540-2685, (713) 540-7683, (281) 731-2706, (832) 814-5005
👨‍👩‍👧 Relatives: Carol J Hibbler,Teresa Rene Hibbler,Flora J Hibbler

Larry Hibbler from Elgin, IL

Age 74 b. Mar 1951 Kane Co.
📍 1855 Monday Dr
📞 (847) 931-0763

Larry Hibbler

📍 1112 North Park, Tunica Ms 38676
📞 (662) 363-3180, (662) 613-1124
✉️ LARRY0267@ATT.NET

Larry Hibbler

📍 1112 N Park Cv, Tunica Ms
📞 (662) 363-3180, (662) 613-1124
✉️ LARRY0267@ATT.NET

Larry Hibbler from Tampa, FL

Hillsborough Co.
📍 9848 Gingerwood Dr
📞 (813) 926-8686, (813) 335-6512

Larry Hibbler from Sarah, MS

Age 69 b. Jan 1957 Panola Co.
📍 3445 Longtown Rd
📞 (662) 382-7954

Larry Hibbler from Maryville, IL

Age 68 b. May 1957 Madison Co.
📍 2328 Holiday Ln
📞 (618) 288-9471

Larry Hibbler from Tunica, MS

Age 73 b. Jul 1952 Tunica Co.
📍 1112 N Park Cv
📞 (662) 363-3180

Larry Hibbler from East Saint Louis, IL

Age 78 b. 1948 Saint Clair Co.
📍 2943 Market St

Larry Hibbler from Houston, TX

Age 57 b. Jul 1968 Harris Co.
📍 4510 Wiley Rd

Larry Hibbler from Coldwater, MS

Age 70 b. Mar 1955 Tate Co.
📍 290 Goliath Rd

Larry Hibbler from Clute, TX

Age 34 b. Jun 1991
📍 4501 Brazosport Blvd N
👤 aka Lawrence Keith Hibbler, Lawrence Eugene Hibbler, Larry Hibler

Larry Hibbler from Norfolk, VA

Age 74 b. Mar 1951 Norfolk City Co.
📍 8522 Chesapeake Bl

Larry Hibbler from Houston, TX

Age 67 b. 1959 Harris Co.
📍 13103 Ashford Point Dr Apt 230

Larry Hibbler from Coldwater, MS

Age 71 b. Sep 1954 Tate Co.
📍 Rr 2 Po Box 567

Larry Hibbler from Scott Air Force Base, IL

Age 68 b. May 1957 Saint Clair Co.
📍 5538 Pryor Dr Unit C

Larry Hibbler from Chicago, IL

Age 73 b. Jul 1952
📍 1019 W Marquette Rd Apt 1
👤 aka Lawrence Oneal Hibbler, Larry Hibble

Larry Hibbler from Sarah, MS

0
📍 178 Po Box, Sarah, MS 38665

Larry Hibbler from Chicago, IL

Cook Co.
📍 3726 S Vincennes Gwendolyn Redmond

Larry Hibbler from Washington, DC

District Of Columbia Co.
📍 1212 Potomac Ave Se

Larry Hibbler from Saint Louis, MO

Saint Louis Co.
📍 2773 Darla Ct

Larry Hibbler from Petoskey, MI

Emmet Co.
📍 4435 Resort Pike Rd

Larry Hibbler from Birmingham, AL

Jefferson Co.
📍 1864 Burning Tree Ci 3

Larry Hibbler from Elgin, IL

Kane Co.
📍 324 Griswold St Apt 1

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 30 contact records for Larry Hibbler across 10 states. The most recent address on file is in Camarillo, California. Of these records, 14 include phone numbers and 5 include email addresses. Ages range from 59 to 67, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Hibbler Larry Etal

Panola County

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 1 property record linked to Larry Hibbler in 2. Values shown are from county assessor records and may differ from current market prices.

Larry E Hibbler

9848 Gingerwood Dr, Tampa, , 33626

Larry Hibbler

County: St. Louis

larry ELLIOTT hibbler

Democrat Reg: 08/07/2007
Removed
DOB: 1978 Gender: Male
County: Orange

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 3 voter registration records were found for Larry Hibbler in . Party affiliation is listed as DEM. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2013 Ford Fusion
· Registered to: Larry Hibbler
· VIN: 3FA6P0HR0DR139193
·
325 Griswold St, Elgin, IL, 60123
·
(847) 488-0331
2011 Ford F-250 SUPER DUTY
· Registered to: Larry Hibbler
· VIN: 1FT7W2BT8BEA93727
·
507 Jordan Rd, Old Monroe, MO, 63369-2612
·
(636) 358-5262
2015 Kia Sorento
· Registered to: Larry Hibbler
· VIN: 5XYKT3A64FG657343
·
9848 Gingerwood Dr, Tampa, FL, 33626
·
(813) 335-6512
2017 KIA SORENTO
· Registered to: Larry Hibbler
· VIN: 5XYKT3A64HG657343
·
9848 Gingerwood Dr, Tampa, FL, 33626
2011 GMC Acadia
· Registered to: Larry Hibbler
· VIN: 1GKKVRED5BJ279196
·
1855 Monday Dr, Elgin, IL, 60123-1270
·
(847) 931-0763
2011 Ford F-250 SD
· Registered to: Larry Hibbler
·
507 Jordan Rd, Old Monroe, MO, 63369
·
(636) 358-5262

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 6 vehicle registration records are associated with Larry Hibbler. Registered makes include Ford, Kia, Gmc. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Simi Valley Ford

Owner President
+18055830333lhibbler@simivalleyford.com
LinkedIn

Hibblers Enterprise

Owner
(618) 581-6999
Maryville, IL
Wholesale Trade - Non-Durable Goods (Products)

Scratchys Auto & Truck Salvage

Principal
(636) 240-5243
O Fallon, MO
Gasoline Service Stations and Automotive Dealers (Automotive)

Ford

President
(805) 583-0333
Simi Valley, CA
Gasoline Service Stations and Automotive Dealers (Automotive)

Simi Valley Ford

Owner
(805) 583-0333Hibbler_Larry@bobbeaty.com
Simi Valley, CA
Gasoline Service Stations and Automotive Dealers (Automotive)

Ford Of Simi Valley, Inc

Larry HibblerPresident
(805) 583-0333lhibbler@simivalleyford.com
Simi Valley, CA93065

Simi Valley Ford

Larry HibblerOwner
(706) 375-5334l.hibbler@bobbeaty.com
6374 Three Notch Road, Ringgold, GA30736
bobbeaty.com

A Classy Flea

Larry HibblerSales Customer
(805) 484-6852debre@hotmail.com
853 Corte Frondosa, Camarillo, CA93010

Larry Hibbler

United States

A Classy Flea

Larry HibblerSales Customer
(805) 484-6852debre@hotmail.com
853 Corte Frondosa, Camarillo, CA93010

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 22 business affiliations were found for Larry Hibbler. Companies include Hibblers Enterprise, Scratchys Auto & Truck Salvage, Ford and 3 more. Roles listed include Owner President and President. Records are compiled from state business registries, SEC filings, and professional networking databases.

Southpro Company, INC.

Filed: Jan 25, 1994
Registered Agent: Larry Hibbler

Southpro Company, INC.

Filed: Jan 25, 1994
CEO: Larry Hibbler

Southpro Company, INC.

Addr: 853 Corte Frondosa, Camarillo, CA, 93010
CA
CEO: Larry Hibbler

Source: Public Records Larry Hibbler appears in 3 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Larry Hibbler

Coldwater High School - Coldwater, MS, MS
1968

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Larry Hibbler 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.

$500 Nov 3, 2016
2016 REP
Knight, Steve
Hibbler, Larry President @ Simi Valley Ford Camarillo, CA
$500 May 13, 2016
2016 REP
Degonia, Jarrod Ray
Hibbler, Larry President @ Simi Valley Ford Simi Valley, CA
$500 Apr 1, 2003
2004
Ford Lincoln Mercury Minority Dealers Association Political Action Committee (flmmda Pac)
Hibbler, Larry Ford Dealer Camarillo, CA
$500 May 6, 2016
2016 REP
Knight, Steve
Hibbler, Larry President @ Simi Valley Ford Simi Valley, CA
$5 Feb 8, 2017
2018
Michigan Farm Bureau Pac Agri Pac
Hibbler, Larry R Petoskey, MI
$2 Feb 9, 2004
2004
Michigan Farm Bureau Pac Agri Pac
Hibbler, Larry R Petoskey, MI
$500 May 6, 2016
REP
Knight, Steve
Contributor President @ Simi Valley Ford Simi Valley, CA
$500 Jul 22, 2020
Unknown Committee
Hibbler, Larry Auto Dealer @ Simi Valley Ford Simi Valley, CA
$5
2018
Michigan Farm Bureau Pac Agri Pac
Contributor Petoskey, MI

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 9 political contribution records found for Larry Hibbler. Total disclosed contributions amount to $3,012. Recipients include Knight, Steve, Michigan Farm Bureau Pac Agri Pac. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Larry E Hibbler

Age 70 Male
·
9848 Gingerwood Dr, Tampa, FL 33626 (Hillsborough County)
28.0464, -82.5950
· (813) 335-7455
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1998 Purchased 1998
MP

Larry Hibbler

Age 60 Male
·
2328 Holiday Ln, Maryville, IL 62062 (Madison County)
38.7337, -89.9421
· (618) 534-6491
Marital: Married TZ: Central
Homeowner Single Family Built 1996 Purchased 1997
MP

Larry D Hibbler

Age 65 Male
·
1112 N Park Cv, Tunica, MS 38676 (Tunica County)
34.7066, -90.3785
· (601) 527-5015
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1976 Purchased 1977
MP

Larry D Hibbler

Male
·
325 Griswold St, Elgin, IL 60123 (Kane County)
42.0283, -88.2839
TZ: Central
Homeowner Single Family Built 1901 Purchased 2004
MP

Larry R Hibbler

Male
·
4495 Resort Pike Rd, Petoskey, MI 49770 (Emmet County)
45.3063, -84.9966
TZ: Eastern
Homeowner Single Family
MP

Larry D Hibbler

Age 66 Male
·
1855 Monday Dr, Elgin, IL 60123 (Kane County)
42.0621, -88.3238
· (847) 931-0763
Marital: Married TZ: Central
Homeowner Single Family Purchased 2001
MP

Larry Hibbler

Age 69 Male
·
2943 Market St, E Saint Louis, IL 62207 (Saint Clair County)
38.5962, -90.1379
· (618) 482-2728
Marital: Married TZ: Central
Occ: Service Industry Edu: High School
Homeowner Single Family
MP

Larry E Hibbler

Age 70 Male
·
78 Woodrow St, Springfield, MA 01119 (Hampden County)
42.1315, -72.5156
Marital: Single TZ: Eastern
Single Family
MP

Larry E Hibbler

Age 66 Male
·
19814 Lions Gate Ct, Humble, TX 77338 (Harris County)
30.0095, -95.2961
· (281) 731-2706
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1979 Purchased 1988
MP

Larry Hibbler

Age 66 Male
·
853 Corte Frondosa, Camarillo, CA 93010 (Ventura County)
34.2298, -119.0890
· (818) 292-0147
Marital: Married TZ: Pacific
Occ: Professional
Homeowner Single Family Built 1997 Purchased 2014

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

Christopher Hibbler

Single Member LLC

$20,833 Paid in Full
Address:
1112 N Park Cv
Tunica, MS38676-9650
Approved

Apr 27, 2021

Forgiven

$20,895

Jobs Reported

1

Loan #

2598428905

Loan Size

Small

Meh Unlimited INC

Subchapter S Corporation

$7,000 Paid in Full
Address:
9848 Gingerwood Dr
Tampa, FL33626
Approved

May 1, 2020

Forgiven

$7,073

Jobs Reported

1

Loan #

6953517709

Loan Size

Small

St. Andrew'S At Francis Place

Non-Profit Organization

$714,400 Paid in Full
Address:
300 Forby Rd
Eureka, MO63025-2321
Approved

Apr 15, 2020

Forgiven

$724,163

Jobs Reported

101

Loan #

9137507102

Loan Size

Medium

Christopher Hibbler

Single Member LLC

$20,833 Paid in Full
Address:
1112 N Park Cv
Tunica, MS38676-9650
Approved

May 20, 2021

Forgiven

$20,912

Jobs Reported

1

Loan #

4082549007

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 4 PPP loan records are linked to businesses associated with Larry Hibbler. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Larry Hibbler on the map

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Found 72 results across 14 states

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Larry Hibbler in Camarillo, CA: Background Summary

Location
853 Corte Frondosa, Camarillo, CA 93010
Other Locations
Elgin, IL · Tampa, FL · Sarah, MS and 13 more
Profiles Found
30 people with this name
Phone Numbers
(805) 484-6852 and 12 others on file
Email
debbre1@hotmail.com and 9 others on file
Possible Relatives
Robbie Hibbler, Natasha Tessius Wellshibbler, Ella Hibbler, Natashe Hibbler, Family Trust Hibbler and 15 more
Career
Owner President, President at Hibblers Enterprise, Scratchys Auto & Truck Salvage
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
6 linked — 2013 Ford Fusion, 2011 Ford F-250 Super Duty and 4 more
Contributions
$3,012 total — Knight, Steve, Michigan Farm Bureau Pac Agri Pac
PPP Loans
$763K for Christopher Hibbler, Meh Unlimited 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 Larry Hibbler. Because public records are indexed by name rather than by a unique identifier, the 95 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 Larry Hibbler

Search Complexity: High

95 public records across 14states, belonging to approximately 30 different individuals. With 30 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 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 14 states. Highest concentration: California (15%), followed by Illinois and Mississippi. Spans the South and Midwest regions.

CA14recordsIL14recordsMS11recordsFL9recordsTX7recordsMO4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (43%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (22) and Political Contribution Records (9).

36
Contact & Address Records
22
Business & Corporate Filings
9
Political Contribution Records
6
Vehicle Registration Records
4
PPP Loan Records
3
Voter Registration Records

Age Distribution

Age range: approximately 43 years, suggesting multiple generations. Largest group: Senior (65+) (62%).

Senior (65+)8peopleMiddle-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 Larry Hibbler

Is Larry Hibbler a registered voter?
Yes, voter registration records show Larry Hibbler is registered in . We found 3 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Larry Hibbler own property?
County assessor records show 1 property associated with Larry Hibbler . 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 Larry Hibbler?
Records show 6 vehicle registrations associated with Larry Hibbler, including a 2013 Ford Fusion. Registered makes include Ford, Kia, 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 Larry Hibbler?
We found 22 business affiliations for Larry Hibbler (Owner President). Other companies include Scratchys Auto & Truck Salvage, Ford. Business records are compiled from state registries, SEC filings, and professional databases.
Has Larry Hibbler made political donations?
FEC disclosure records show 9 reported political contributions from Larry Hibbler, totaling $3,012. Recipients include Knight, Steve and Michigan Farm Bureau Pac Agri Pac. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Larry Hibbler?
Our database contains 95 total records for Larry Hibbler spanning 14 states. This includes 30 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 Larry Hibbler?
The 95 records displayed for Larry Hibbler 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 Larry Hibbler 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.