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Mr Lu Shiu Ching from Princeton Junction, NJ

Age 94 b. 6/16/1931
📍 4 Bush Ct, #princeton Junction, NJ 08550-2139
👨‍👩‍👧 Relatives: Ching Jen Chen,Fu Z Zhang,Gloria Ching,Kim Ching,Kim H Ching,L U Ching,L U Ching,L U Ching,Lorna C Carter,Lu Hua Chin,Lu Jiang,Po N Ml Ching,Shiu Ching Lu,Hon Al Hon Chin,Anthony L Chin,Bi Chai Lu,Bruce F Fung,Chih Yun Luo,Chih Yun Luo,Fung Luen Ho,Grace K Chao,Hao Gu,Jackie Tam Fung,Jin N Li,Keli Fung,Kenny Fung,Lena Y Chin,Li I Li,Lily S Fung,Lu Jiang,Lu Yu,Michael Fai Fung,Mitsue Kobayashi,Miu K Chin,Molly L Chu,Peter Fung,Ping Lu Yu,See Yee Fung,T Scott Carter,T Scott Carter,T Scott Carter,T Scott Carter,Thomas S Carter,Thomas C Chin,Thomas C Chin,Wen Su Lu Sr,Yee Fung Fai,Yi Tan Yanyi,Zeng Zhang Feng,Zhang Feng
🕐 15 previous addresses

Lu Ching from San Gabriel, CA

Age 105 b. May 1920 Los Angeles Co.
📍 Po Box 122
📞 (626) 309-1738, (701) 683-4792

Lu Ching from Van Nuys, CA

Los Angeles Co.
📍 14225 Cohasset St
📞 (908) 457-8981, (518) 356-2062
👤 aka Lu Wenching

Lu Ching from Sugar Land, TX

Age 68 b. Oct 1957 Fort Bend Co.
📍 2419 Woodstream Blvd
📞 (713) 265-0546

Lu Ching from Palo Alto, CA

Age 76 b. Dec 1949 Santa Clara Co.
📍 2468 W Bayshore Rd
📞 (650) 494-8309

Lu Ching from Santa Ana, CA

Age 57 b. Jul 1968 Orange Co.
📍 9752 Rangeview Dr
📞 (626) 965-8436

Lu Ching from Monterey Park, CA

Female
📍 11458 Dover
📞 (818) 284-3196 (T-MOBILE)

Lu Ching from Corona, CA

Age 85
📍 14436 Runyon Dr, Corona, CA 92880

Lu Ching from Bettendorf, IA

Age 80 b. Dec 1945 Scott Co.
📍 4015 Wakonda Dr

Lu Ching from Allston, MA

Age 53 b. Feb 1973 Suffolk Co.
📍 1254 Commonwealth Ave M

Lu Ching from Rosemead, CA

Age 79 b. Sep 1946 Los Angeles Co.
📍 3230 Burton Ave

Lu Ching from Diamond Bar, CA

Age 73 b. Sep 1952 Los Angeles Co.
📍 3660 Hawkwood Rd

Lu Ching from Fremont, CA

Age 55 b. Apr 1970 Alameda Co.
📍 34803 Warwick Ct
👤 aka Lu Hsiaoching, Hsiao Ching Lu

Lu Ching from Bellevue, WA

King Co.
📍 6519 117th Pl Se
📞 (858) 549-8921

Lu Ching from Florham Park, NJ

📍 38 Park St Apt 7 D
📞 (918) 333-6086

Lu Ching from Duarte, CA

Los Angeles Co.
📍 2222 Huntington Dr Bldg H
📞 (716) 652-0361

Lu Ching from Atlantic City, NJ

📍 129 S Virginia Ave 304
📞 (909) 654-3206

Lu Ching from Flushing, NY

Queens Co.
📍 7343 173rd St
📞 (317) 837-9502

Lu Ching from Lees Summit, MO

Jackson Co.
📍 1104 Ne Cardinal Dr
📞 (816) 795-8172
👤 aka Ching S Man

Lu Ching from Bellevue, WA

King Co.
📍 2245 157th Pl Se
📞 (916) 972-7967

Lu Ching from Duarte, CA

Los Angeles Co.
📍 2222 Huntington Bldg H Dr Bldg
📞 (716) 652-0361

Lu Ching from Winter Haven, FL

Age 32 b. 1994 Female
📍 1508 40th St Nw

Lu Ching from Arcadia, CA

Los Angeles Co.
📍 940 Coronado Dr
👤 aka Lu Yuanching

Lu Ching from Bellevue, WA

King Co.
📍 6519 117th Pl

Lu Ching from Willoughby, OH

Lake Co.
📍 27500 Bishop Park Dr

Lu Ching from Pittsford, NY

Monroe Co.
📍 86 Stuyvesant Rd

Lu Ching from Honolulu, HI

Honolulu Co.
📍 1909 Ala Wai Bl 1108

Lu Ching from Houston, TX

Harris Co.
📍 2425 Holly Hall St

Lu Ching from Buffalo, NY

Erie Co.
📍 142 Wedgewood Dr

Lu Ching from Reno, NV

Washoe Co.
📍 1555 N Sierra St

Lu Ching from Brea, CA

Orange Co.
📍 2297 Shadetree Cir

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 31 contact records for LU Ching across 12 states. The most recent address on file is in San Gabriel, California. Of these records, 15 include phone numbers. The listed age is 85. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Ching Lu Kung Shu & Hsing-An Shu

Livingston County
· 216 W Sibley, Howell

Ching, Lu S. & PO N.

Residential Middlesex County
· 22 Carter Road, 08816

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

Lu S Ching

Reg: 410143950
41-40 Union Street 4t
DOB: 19310616 Gender: Male
Senate: 6

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 1 voter registration record was found for LU Ching. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2005 Honda Element
· Registered to: Lu Ching
· VIN: 5J6YH18315L001741
·
9406 Sharpview Dr, Houston, TX, 77036

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 1 vehicle registration record is associated with LU Ching. Registered makes include Honda. The most recent model year on record is 2005. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Diatherix Laboratories INC

+12564175317stanley.lu@diatherix.com
Huntsville,

Lu Ching

Team Leader
San Jose State University
California
LinkedIn

Lu Ching

Greater Boston Area

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 4 business affiliations were found for LU Ching. Roles listed include Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

$1,000 Nov 19, 1999
2000 REP
Giuliani, Rudolph W
Ching, Lu Lucoral Co INC New York, NY
$1,000 Nov 19, 1999
REP
Giuliani, Rudolph W
Contributor Lucoral Co INC New York, NY
$1,000 Nov 19, 1999
Unknown Committee
Ching, Lu Lucoral Co INC New York, NY

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 3 political contribution records found for LU Ching. Total disclosed contributions amount to $3,000. Recipients include Giuliani, Rudolph W. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Lu Ching

Female
·
14436 Runyon Dr, Corona, CA 92880 (Riverside County)
33.8833, -117.6060
TZ: Pacific
Homeowner Single Family Built 2011 Purchased 2014
MP

Lu Ching

Female
·
5 Fay Memorial Dr, Tyngsboro, MA 01879 (Middlesex County)
42.6294, -71.4705
TZ: Eastern
Single Family
MP

Lu Ching

Female
·
2807 Avenue O NW, Winter Haven, FL 33881 (Polk County)
28.0394, -81.7630
TZ: Eastern
Single Family
MP

Lu Ching

Female
·
353 Quarter Mountain Rd, Harvest, AL 35749 (Madison County)
34.8478, -86.6945
TZ: Central
Single Family
MP

Lu Ching

Female
·
720 25th St NW, Winter Haven, FL 33881 (Polk County)
28.0303, -81.7581
TZ: Eastern
Single Family

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

Yuliia Yurevych

Sole Proprietorship

$20,800 Exemption 4
Address:
505 N Figueroa St Apt 747
Los Angeles, CA90012-1582
Approved

Mar 12, 2021

Jobs Reported

1

Loan #

9533778503

Loan Size

Small

True Vines LLC

Limited Liability Company(LLC

$17,422 Paid in Full
Address:
505 N Figueroa St Apt 647
Los Angeles, CA90012-2197
Approved

Mar 20, 2021

Forgiven

$17,471

Jobs Reported

1

Loan #

4952348603

Loan Size

Small

True Vines LLC

Limited Liability Company(LLC

$20,833 Paid in Full
Address:
505 N Figueroa St
Los Angeles, CA90012-1584
Approved

May 26, 2021

Forgiven

$17,503

Jobs Reported

1

Loan #

7704249010

Loan Size

Small

Tereza D Tevalan

Sole Proprietorship

$7,532 Exemption 4
Address:
505 N Figueroa St Apt 451
Los Angeles, CA90012-2193
Approved

May 29, 2021

Jobs Reported

1

Loan #

9791289007

Loan Size

Small

Nashib Zaka

Sole Proprietorship

$20,362 Paid in Full
Address:
505 N Figueroa St Apt 419
Los Angeles, CA90012-1596
Approved

Mar 6, 2021

Forgiven

$20,659

Jobs Reported

1

Loan #

7616438502

Loan Size

Small

Conrade Davis

Sole Proprietorship

$20,351 Exemption 4
Address:
505 N Figueroa St
Los Angeles, CA90012-1584
Approved

Apr 12, 2021

Jobs Reported

1

Loan #

2391078801

Loan Size

Small

Jewels Consulting

Sole Proprietorship

$20,833 Paid in Full
Address:
505 N Figueroa St
Los Angeles, CA90012-1584
Approved

Feb 18, 2021

Forgiven

$20,927

Jobs Reported

1

Loan #

1048238505

Loan Size

Small

Jh Business Advisors CORP

Corporation

$563 Paid in Full
Address:
505 N Figueroa St Apt 751
Los Angeles, CA90012-1582
Approved

Mar 23, 2021

Forgiven

$566

Jobs Reported

1

Loan #

6443348604

Loan Size

Small

Michael Butler

Self-Employed Individuals

$20,779 Paid in Full
Address:
505 N Figueroa St Apt 626
Los Angeles, CA90012-2195
Approved

May 18, 2021

Forgiven

$20,840

Jobs Reported

1

Loan #

3029809009

Loan Size

Small

Deonte Henderson

Sole Proprietorship

$20,832 Paid in Full
Address:
505 N Figueroa St Apt 709
Los Angeles, CA90012-1874
Approved

May 13, 2021

Forgiven

$20,936

Jobs Reported

1

Loan #

1157719001

Loan Size

Small

Vladyslav Khyzhniak

Independent Contractors

$20,800 Exemption 4
Address:
505 N Figueroa St
Los Angeles, CA90012-1584
Approved

Apr 6, 2021

Jobs Reported

1

Loan #

7397888703

Loan Size

Small

Jamie Brister

Sole Proprietorship

$11,696 Paid in Full
Address:
505 N Figueroa St Apt 522
Los Angeles, CA90012-2193
Approved

May 20, 2021

Forgiven

$11,716

Jobs Reported

1

Loan #

4342219010

Loan Size

Small

Trevia Young

Sole Proprietorship

$20,833 Exemption 4
Address:
505 N Figueroa St Apt 641
Los Angeles, CA90012-2197
Approved

Apr 21, 2021

Jobs Reported

1

Loan #

7094448801

Loan Size

Small

Yuliia Yurevych

Sole Proprietorship

$20,800 Exemption 4
Address:
505 N Figueroa St Apt 747
Los Angeles, CA90012-1582
Approved

Apr 29, 2021

Jobs Reported

1

Loan #

5165868906

Loan Size

Small

Ervin Knight

Sole Proprietorship

$20,670 Exemption 4
Address:
505 N Figueroa St
Los Angeles, CA90012-1584
Approved

Apr 17, 2021

Jobs Reported

1

Loan #

5365658809

Loan Size

Small

Shyann Thompson

Sole Proprietorship

$20,833 Paid in Full
Address:
505 N Figueroa St Apt 731
Los Angeles, CA90012-2199
Approved

Apr 26, 2021

Forgiven

$20,994

Jobs Reported

1

Loan #

2435848908

Loan Size

Small

Trevia Young

Sole Proprietorship

$20,833 Exemption 4
Address:
505 N Figueroa St Apt 641
Los Angeles, CA90012-2197
Approved

Mar 18, 2021

Jobs Reported

1

Loan #

4362648610

Loan Size

Small

Inspiredmedia LLC

Limited Liability Company(LLC

$6,861 Paid in Full
Address:
505 N Figueroa St Apt 539
Los Angeles, CA90012-2194
Approved

Feb 12, 2021

Forgiven

$6,898

Jobs Reported

1

Loan #

7448018407

Loan Size

Small

Rachel Marshall

Sole Proprietorship

$20,832 Exemption 4
Address:
505 N Figueroa St
Los Angeles, CA90012-1584
Approved

Apr 3, 2021

Jobs Reported

1

Loan #

6012348700

Loan Size

Small

Jocelyn Smith

Independent Contractors

$6,250 Exemption 4
Address:
505 N Figueroa St Apt 649
Los Angeles, CA90012-2197
Approved

May 14, 2021

Jobs Reported

1

Loan #

1992929009

Loan Size

Small

Rasoul Arab

Sole Proprietorship

$9,615 Paid in Full
Address:
505 N Figueroa St Apt 739
Los Angeles, CA90012-2199
Approved

Apr 9, 2021

Forgiven

$9,646

Jobs Reported

1

Loan #

1261038808

Loan Size

Small

Vladyslav Khyzhniak

Independent Contractors

$20,800 Exemption 4
Address:
505 N Figueroa St
Los Angeles, CA90012-1584
Approved

Apr 29, 2021

Jobs Reported

1

Loan #

4779418900

Loan Size

Small

Gary Wright Jr

Sole Proprietorship

$20,833 Paid in Full
Address:
505 N Figueroa St
Los Angeles, CA90012-1584
Approved

Apr 13, 2021

Forgiven

$20,944

Jobs Reported

1

Loan #

2811468808

Loan Size

Small

Ervin Knight

Sole Proprietorship

$20,670 Paid in Full
Address:
505 N Figueroa St
Los Angeles, CA90012-1584
Approved

May 20, 2021

Forgiven

$20,895

Jobs Reported

1

Loan #

4013529008

Loan Size

Small

Jamie Brister

Sole Proprietorship

$11,696 Paid in Full
Address:
505 N Figueroa St Apt 522
Los Angeles, CA90012-2193
Approved

Apr 18, 2021

Forgiven

$11,732

Jobs Reported

1

Loan #

5643118801

Loan Size

Small

Michael Butler

Self-Employed Individuals

$20,779 Paid in Full
Address:
505 N Figueroa St Apt 626
Los Angeles, CA90012-2195
Approved

Apr 21, 2021

Forgiven

$20,860

Jobs Reported

1

Loan #

7227888809

Loan Size

Small

Kimirochelle Porter

Sole Proprietorship

$20,832 Paid in Full
Address:
505 N Figueroa St Apt 748
Los Angeles, CA90012-1582
Approved

Mar 13, 2021

Forgiven

$20,952

Jobs Reported

1

Loan #

1902878607

Loan Size

Small

David Banks

Sole Proprietorship

$20,832 Paid in Full
Address:
505 N Figueroa St Apt 442
Los Angeles, CA90012-2192
Approved

Apr 22, 2021

Forgiven

$20,936

Jobs Reported

1

Loan #

7985528805

Loan Size

Small

Terrance Burney

Sole Proprietorship

$20,832 Exemption 4
Address:
505 N Figueroa St
Los Angeles, CA90012-1584
Approved

May 20, 2021

Forgiven

$21,112

Jobs Reported

1

Loan #

3763439010

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 29 PPP loan records are linked to businesses associated with LU Ching. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Ching Lu

OpenLibrary
Born 1856 — Died 1928

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 LU Ching on the map

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Found 42 results across 14 states

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LU Ching in San Gabriel, CA: Background Summary

Location
PO Box 122, San Gabriel, CA 91778
Other Locations
Van Nuys, CA · Sugar Land, TX · Palo Alto, CA and 23 more
Profiles Found
31 people with this name
Phone Numbers
(718) 395-3124 and 17 others on file
Possible Relatives
Ching Jen Chen, Fu Z Zhang, Gloria Ching, Kim Ching, Kim H Ching and 37 more
Properties
1property owned
Vehicles
1 linked — 2005 Honda Element
Contributions
$3,000 total — Giuliani, Rudolph W
PPP Loans
$508K for Yuliia Yurevych, True Vines LLC

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 LU Ching. Because public records are indexed by name rather than by a unique identifier, the 80 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 LU Ching

Search Complexity: High

80 public records across 14states, belonging to approximately 31 different individuals. With 31 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 (19%), followed by New York and New Jersey. Spans the West and Northeast regions.

CA15recordsNY5recordsNJ3recordsFL3recordsWA3recordsTX3records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (46%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (29) and Business & Corporate Filings (4).

34
Contact & Address Records
29
PPP Loan Records
4
Business & Corporate Filings
3
Political Contribution Records
2
Property Ownership Records
1
Voter Registration Records

Age Distribution

Age range: approximately 53 years, suggesting multiple generations. Largest group: Senior (65+) (73%).

Senior (65+)8peopleMiddle-Age (40-64)3people

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

Frequently Asked Questions About LU Ching

Is LU Ching a registered voter?
Yes, voter registration records show LU Ching is registered. We found 1 voter registration entry across 0 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does LU Ching own property?
County assessor records show 2 properties associated with LU Ching . 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 LU Ching?
Records show 1 vehicle registration associated with LU Ching, including a 2005 Honda Element. 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 LU Ching?
We found 4 business affiliations for LU Ching (null). Business records are compiled from state registries, SEC filings, and professional databases.
Has LU Ching made political donations?
FEC disclosure records show 3 reported political contributions from LU Ching, totaling $3,000. Recipients include Giuliani, Rudolph W. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for LU Ching?
Our database contains 80 total records for LU Ching spanning 14 states. This includes 31 distinct contact records, 15 with phone numbers. 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 LU Ching?
The 80 records displayed for LU Ching 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 LU Ching 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.