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Ms Melody Mary Couch from Pflugerville, TX

Age 63 b. 11/24/1962
📍 1416 Morning Mist Ln, #pflugerville, TX 78660-7974
✉️ melodysom@ca.rr.com, melodymarycouch@ameritech.net, melodycouch@earthlink.net, melodymarycouch@yahoo.com, melodysom@compuserve.com, melodysom@yahoo.com, melodysom@hotmail.com, melodymarycouch@hotmail.com, mcouch@wmconnect.com, marissacouchon@gmail.com, melodycouch@sbcglobal.net, ron.hickey@cbnorcal.com, marissacouch@yahoo.com
👨‍👩‍👧 Relatives: Carl G Couch,Jeremiah Couch,Marissa Couch,Maryanne T Couch,Ricky E Rountree,Robert Thomas Wroe,Robert Russell Wroe,Adelina R Ribuca,Barbara Ann Laurista,Bill A Laurista,Christine L Ribuca,Claudia R Ribuca,Deana L Henry,Debera S Rountree,Debra S Rountree,Dominga R Tabutol,Dorothy L Wroe,Elpidio R Ribuca,Emily N Rountree,Jean Couch,Jessica Rountree,John David Rountree,Joy Marie Rountree,Judy A Delgado,Jun P Laurista Jr,Karen L Wroe,Kayren Lea Youngblood,Laurie Laurista,Melissa Frederick Roundtree,Melissa L Rountree,Nelia L Botello,Pamela K Berry,Roldan P Laurista,Ronald F Ribuca,Sarah S Smith,Susan J Rountree,Susan Rountree,Tammie J Couch,Warner John Ribuca,William H Rountree,William L Rountree Jr,William L Rountree Jr,Willie Naydean Rountree,Willis Padilla Laurista,Alen L Frederick Jr,Greg A Berry,Janie Allen,Richard Silva Allen,Ronald W Berry Sr,Saundra J Mayberry
🕐 16 previous addresses

Melody R Couch

Age 46 b. 1979-04-25
📍 Apt 903, 4900 Pear Ridge Dr, Dallas Tx
📞 (817) 751-4339, (817) 313-8509, (972) 803-3933
✉️ SINFULLY_DESIRABLE@HOTMAIL.COM, sinfully_desirable@hotmail.com, sinfully_desirable@att.net

Melody Couch

Age 63 b. 1962-11-24
📍 3797 Rohner St, Apt B, Fortuna Ca
📞 (707) 502-1951, (707) 496-3851
✉️ MARISSACOUCH@YAHOO.COM, marissacouch@yahoo.com

Melody Couch

Age 68 b. 1957-10-06
📍 1025 Royce Ave, Kalamazoo Mi
📞 (269) 384-2857, (269) 598-8175
✉️ MLDYCCH@YAHOO.COM

Melody Couch from Fayetteville, AR

Age 43
📍 624 White Bluff Dr, Fayetteville, AR 72701
📞 (479) 575-0186, (501) 575-0186
👨‍👩‍👧 Relatives: Carl D Couch,Wesley B Couch,Carl L Dennis,Michael D Dennis,Michelle Antoinette Mills,Barbara J Dennis,Carl D Couch

Melody Couch from Jonesboro, AR

Age 42
📍 1040 Sandino Dr, Jonesboro, AR 72401
📞 (870) 932-1339, (870) 932-1339, (870) 972-0958, (501) 888-9317
👨‍👩‍👧 Relatives: Allan Clarence Couch,Gary Allen Perry,Murl Couch,Melody Perry

Melody Couch from Kalamazoo, MI

Age 68 b. Oct 1957 Kalamazoo Co.
📍 1025 Royce Ave
📞 (269) 384-2857

Melody Couch

📍 7236 Dogwood Ave, Calif City Ca
📞 (760) 338-1294, (760) 373-3385
✉️ MOMMYCRAZYLADY@AOL.COM

Melody Couch from Tulare, CA

📍 1255 N Cherry St # 561
📞 (559) 967-5328 (VERIZON WIRELESS)
✉️ MELODYSOM@YAHOO.COM

Melody Couch from Forest City, NC

Age 49 b. Jun 1976 Rutherford Co.
📍 675 Lee Rd
📞 (828) 287-9441

Melody Couch from Monroe, WI

Age 72 b. Jun 1953 Green Co.
📍 2715 3rd St
📞 (608) 325-3936

Melody Couch

📍 293 Justice Rd, Rutherfordton Nc
📞 (828) 223-4341, (828) 223-4341
✉️ MELODYJIMMY@GMAIL.COM

Melody Couch from Fayetteville, AR

Age 56 b. 1970 Female
📍 624 White Bluff Dr
📞 (479) 575-0186

Melody Couch from Bono, AR

Age 54 b. Oct 1971 Craighead Co.
📍 113 Highway 63

Melody Couch from Dubuque, IA

Age 72 b. Oct 1953 Dubuque Co.
📍 2750 Cottonwood Ct
👤 aka Couch Melody L

Melody Couch from Lake City, AR

Age 42 b. 1984 Female
📍 4019 W Ridge Rd
💼 1702
📞 (870) 616-0271

Melody Couch from Revere, MA

0
📍 243 Cooledge St, Revere, MA 02151

Melody Couch from Shelby, NC

Cleveland Co.
📍 110 E Double Shoals Rd
📞 (603) 647-0135

Melody Couch from Wasco, CA

Kern Co.
📍 824 Stephen Ct
📞 (805) 758-2446
👤 aka Melody L Hornburger, Melody Mcnew, Melody L Reynolds

Melody Couch from Revere, MA

📍 243 Cooledge St

Melody Couch from Tryon, OK

Lincoln Co.
📍 Rr 2 Aa Po Box 13

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 21 contact records for Melody Couch across 9 states. The most recent address on file is in Kalamazoo, Michigan. Of these records, 16 include phone numbers and 7 include email addresses. Ages range from 42 to 43, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Couch Melody

Craighead County
PIN: 07-146201-00300
· 4019 W Ridge Rd, LAKE CITY ar
Assessed: $125,300

Couch Melody

Craighead County
· 4019 W Ridge Rd, Ar 72437.0
Assessed: $125,300

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

Melody Kaye Couch

108 Coleman Drive, Black Oak, AR, 72414

Melody Lorena Couch

11 Rio Pinar TRL, Ormond Beach, , 32174

melody HUTCHINS couch

Unaffiliated Reg: 02/14/2001
293 Justice Rd, Rutherfordton, NC, 28139
DOB: 1976 Gender: Female
County: Rutherford

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

2006 PONTIAC VIBE
· Registered to: Melody Couch
· VIN: 5Y2SL658X6Z448090
·
426 W Pearl St, Belleville, WI, 53508
·
(608) 424-0077
2000 OLDSMOBILE INTRIGUE
· Registered to: Melody Couch
· VIN: 1G3WX52H9YF329164
·
426 W Pearl St, Belleville, WI, 53508
·
(608) 424-0077

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 2 vehicle registration records are associated with Melody Couch. Registered makes include Pontiac, Oldsmobile. The most recent model year on record is 2006. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Melody Couch

Rutherfordton, North Carolina, United States Hospital & Health Care
LinkedIn

Gonzalez;Fernando

Melody CouchChief Executive
(954) 479-2974mcouch@optonline.net
1290 Nw 54th Ave, Lauderhill, FL33313
stonetree.tv

Family Eye Ctr South

Melody CouchOwner
(954) 479-2974mcouch@optonline.net
1290 Nw 54th Ave, Lauderhill, FL33313

Melody Couch

Child Care At Self

Family Eye Ctr South

Melody CouchOwner
(954) 479-2974mcouch@optonline.net
1290 Nw 54th Ave, Lauderhill, FL33313

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 18 business affiliations were found for Melody Couch. Companies include Family Eye Ctr South. Roles listed include Chief Executive and Owner. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: AK
AK
Incorporator/Organizer: Melody Couch

Source: Public Records Melody Couch appears in 1 corporate filing from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Melody Couch

John Burroughs High School - Burbank, CA, CA
1975

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Melody Couch 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.

$20 Jan 26, 2015
2014 DEM
Michigan Democratic State Central Commitee
Couch, Melody Neonatal Nurse @ Bronson Methodist Hospital Kalamazoo, MI
$75 Apr 20, 2012
2012
Police Officers Assn Of Mi Poam
Couch, Melody P Kalamazoo, MI
$100 Jul 30, 2004
2004 DEM
Thomson, Gof
Couch, Melody Monroe, WI
$20 Jan 11, 2013
2014
Police Officers Assn Of Mi Poam
Couch, Melody P Kalamazoo, MI
$1 Jan 8, 2019
2020
Need To Impeach
Couch, Melody Dsp @ D & S Community Services Austin, TX
$20 Jan 26, 2015
DEM
Michigan Democratic State Central Commitee
Contributor Neonatal Nurse @ Bronson Methodist Hospital Kalamazoo, MI
$20
2014
Police Officers Assn Of Mi Poam
Contributor Kalamazoo, MI

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 7 political contribution records found for Melody Couch. Total disclosed contributions amount to $256. Recipients include Michigan Democratic State Central Commitee, Police Officers Assn Of Mi Poam. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Melody K Couch

Age 46 Female
·
624 White Bluff Dr, Fayetteville, AR 72701 (Washington County)
36.0887, -94.0207
· (870) 219-4243
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Built 2005 Purchased 2015
MP

Melody Couch

Age 53 Female
·
205 E Center Ave, Seymour, MO 65746 (Webster County)
37.1478, -92.7660
· (417) 935-9314
Marital: Married TZ: Central
Occ: Professional Edu: High School
Homeowner Single Family
MP

Melody J Couch

Age 58 Female
·
7236 Dogwood Ave, Calif City, CA 93505 (Kern County)
35.1228, -117.9990
· (760) 373-3385
Marital: Single TZ: Pacific
Edu: Graduate School
Homeowner Single Family Built 1990 Purchased 2004
MP

Melody Couch

Female
·
4200 Washington St, Hollywood, FL 33021 (Broward County)
26.0028, -80.1864
TZ: Eastern
Single Family
MP

Melody P Couch

Age 59 Female
·
1025 Royce Ave, Kalamazoo, MI 49001 (Kalamazoo County)
42.2555, -85.5676
· (269) 598-8167
Marital: Married TZ: Eastern
Occ: Healthcare Edu: Some College
Homeowner Single Family
MP

Melody Couch

Age 44 Female
·
400 N Market St, Sparta, IL 62286 (Randolph County)
38.1279, -89.7028
Marital: Single TZ: Central
Edu: Some College
Single Family
MP

Melody M Couch

Age 54 Female
·
3797 Rohner St, Fortuna, CA 95540 (Humboldt County)
40.5819, -124.1310
Marital: Married TZ: Pacific
Occ: Professional
Multi-Family
MP

Melody L Couch

Age 64 Female
·
426 W Pearl St, Belleville, WI 53508 (Dane County)
42.8589, -89.5404
· (608) 424-0077
Marital: Married TZ: Central
Occ: Healthcare Edu: Graduate School
Homeowner Single Family Purchased 2009
MP

Melody Couch

Female
·
4019 W Ridge Rd, Lake City, AR 72437 (Craighead County)
35.8236, -90.4526
TZ: Central
Homeowner Single Family Purchased 2016
MP

Melody L Couch

Age 28 Female
·
601 Rip Collins Dr, Daytona Beach, FL 32114 (Volusia County)
29.1984, -81.0424
TZ: Eastern
Multi-Family

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

Melissa Koch

Sole Proprietorship

$4,642 Paid in Full
Address:
2255 John F Kennedy Rd
Dubuque, IA52002-2846
Approved

Feb 13, 2021

Forgiven

$4,681

Jobs Reported

1

Loan #

8367138400

Loan Size

Small

Daro Commodities, INC

Subchapter S Corporation

$44,080 Paid in Full
Address:
1255 N Cherry St
Tulare, CA93274-2233
Approved

Jun 30, 2020

Forgiven

$44,587

Jobs Reported

4

Loan #

6792138010

Loan Size

Small

Bria Wilson

Sole Proprietorship

$4,790 Paid in Full
Address:
2107 Lago Trl
Killeen, TX76543-2955
Approved

Apr 3, 2021

Forgiven

$4,814

Jobs Reported

1

Loan #

6234318708

Loan Size

Small

Augustine Pena

Sole Proprietorship

$6,360 Paid in Full
Address:
1255 N Cherry St # 173
Tulare, CA93274-2233
Approved

Mar 20, 2021

Forgiven

$6,448

Jobs Reported

1

Loan #

6176348609

Loan Size

Small

John Blankenship

Sole Proprietorship

$10,881 Paid in Full
Address:
1255 N Cherry St
Tulare, CA93274-2233
Approved

Apr 14, 2021

Forgiven

$10,953

Jobs Reported

1

Loan #

3488548801

Loan Size

Small

Melissa'S Salon

Sole Proprietorship

$4,600 Paid in Full
Address:
2255 John F Kennedy Rd
Dubuque, IA52002-2846
Approved

Jul 28, 2020

Forgiven

$4,630

Jobs Reported

1

Loan #

9258328110

Loan Size

Small

Stuhaan Cattle Corporation

Corporation

$35,119 Paid in Full
Address:
1255 N cherry St PMB 573
Tulare, CA93274
Approved

Apr 28, 2020

Forgiven

$35,316

Jobs Reported

4

Loan #

1779477308

Loan Size

Small

Sarah Petitgout

Sole Proprietorship

$5,380 Paid in Full
Address:
2255 John F Kennedy Rd Ste 200
Dubuque, IA52002-2846
Approved

Feb 3, 2021

Forgiven

$5,401

Jobs Reported

1

Loan #

2016538403

Loan Size

Small

Jktm, LLC

Limited Liability Company(LLC

$4,500 Paid in Full
Address:
2255 John F Kennedy Rd
Dubuque, IA52002-2846
Approved

Apr 27, 2020

Forgiven

$4,532

Jobs Reported

1

Loan #

4938357200

Loan Size

Small

Julie Hildebrand

Sole Proprietorship

$2,005 Paid in Full
Address:
2255 John F Kennedy Rd
Dubuque, IA52002-2846
Approved

Feb 18, 2021

Forgiven

$2,016

Jobs Reported

1

Loan #

1148618509

Loan Size

Small

Joan Knockel

Limited Liability Company(LLC

$4,500 Paid in Full
Address:
2255 John F Kennedy Rd Asbury Square
Dubuque, IA52002
Approved

Feb 19, 2021

Forgiven

$4,515

Jobs Reported

1

Loan #

2067068502

Loan Size

Small

John T Blankenship Cpa

Sole Proprietorship

$16,870 Paid in Full
Address:
1255 N Cherry St
Tulare, CA93274-2233
Approved

May 1, 2020

Forgiven

$17,058

Jobs Reported

2

Loan #

5636037709

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 12 PPP loan records are linked to businesses associated with Melody Couch. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Melody Couch on the map

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Found 56 results across 13 states

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Melody Couch in Dallas, TX: Background Summary

Location
Apt 903, 4900 Pear Ridge Dr, Dallas Tx, Dallas, TX
Other Locations
Kalamazoo, MI · Tulare, CA · Forest City, NC and 9 more
Profiles Found
21 people with this name
Phone Numbers
(707) 442-3306 and 19 others on file
Email
melodysom@ca.rr.com and 17 others on file
Possible Relatives
Carl G Couch, Jeremiah Couch, Marissa Couch, Maryanne T Couch, Ricky E Rountree and 54 more
Career
Chief Executive, Owner at Family Eye Ctr South
Voter Registration
Registered No Party Preference
Properties
2properties owned
Vehicles
2 linked — 2006 Pontiac Vibe, 2000 Oldsmobile Intrigue
Contributions
$256 total — Michigan Democratic State Central Commitee, Police Officers Assn Of Mi Poam
PPP Loans
$144K for Melissa Koch, Daro Commodities, 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 Melody Couch. 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 Melody Couch

Search Complexity: High

87 public records across 13states, belonging to approximately 21 different individuals. With 21 distinct profiles across 13 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 13 states. Highest concentration: Arkansas (16%), followed by Florida and Illinois. Spans the South and Midwest regions.

AR14recordsFL9recordsIL7recordsCA5recordsMI4recordsWI4records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (41%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (18) and PPP Loan Records (12).

31
Contact & Address Records
18
Business & Corporate Filings
12
PPP Loan Records
7
Political Contribution Records
3
Voter Registration Records
2
Property Ownership Records

Age Distribution

Age range: approximately 31 years, suggesting multiple generations. Largest group: Senior (65+) (25%).

Senior (65+)2peopleMiddle-Age (40-64)6people

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

Frequently Asked Questions About Melody Couch

Is Melody Couch a registered voter?
Yes, voter registration records show Melody Couch is registered in Arkansas. We found 3 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Melody Couch own property?
County assessor records show 2 properties associated with Melody Couch . 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 Melody Couch?
Records show 2 vehicle registrations associated with Melody Couch, including a 2006 PONTIAC VIBE. Registered makes include Pontiac, Oldsmobile. 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 Melody Couch?
We found 18 business affiliations for Melody Couch. Business records are compiled from state registries, SEC filings, and professional databases.
Has Melody Couch made political donations?
FEC disclosure records show 7 reported political contributions from Melody Couch, totaling $256. Recipients include Michigan Democratic State Central Commitee and Police Officers Assn Of Mi Poam. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Melody Couch?
Our database contains 87 total records for Melody Couch spanning 13 states. This includes 21 distinct contact records, 16 with phone numbers, 7 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Melody Couch?
The 87 records displayed for Melody Couch 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 Melody Couch 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.