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Melody A Hendrickson from Higgins, TX

Age 50 b. 8/18/1975
📍 Po Box 145, #higgins, TX 79046-0145
✉️ modyhen3@yahoo.com, modyhen@yahoo.com, hhandmh@logixonline.net
👨‍👩‍👧 Relatives: Anne M Hendrickson,Aspen R Boyett,Hickory J Hendrickson,Jennifer M Bulla,Jonah Ash Hendrickson,Matt Morgan,Matthew Todd Morgan,Michael L Hendrickson,Misty Kay Gilmer,Ann L Bulla,Aspen R Boyett,Berneice C Parker,Cameron L Boyett,David K Bulla,Dean Gilmer Casey,Draper A Morgan,Edith V Morgan,Ezra F Hendrickson,Gena Boyett,Gena K Boyett,Gilmer Casey,Greggory Don Morgan,Hickory J Hendrickson,J Morgan,Jaci L Morgan,Jamie L Wilkinson,Janice E Kotarba,Jennifer R Denson,Jennifer R Denson,Jimmy D Saunders,John D Morgan,Johnny D Morgan,Jolie D Vega,Julie Michelle Morgan,Justyce Boyett,Margaret J Hendrickson,Mary M Hendrickson,Michael E Boyett,Michael Boyett,Michael Boyett,Misty Gilmer,Molly D Morgan,Monty D Morgan,Monty L Morgan,Rebecca K Morgan,Sara O Hendrickson,Stephanie Jones Morgan,Wendell E Hendrickson,Wendell Eli Hendrickson,Judy F Saunders
🕐 10 previous addresses

Ms Melody Marie Hendrickson from Reisterstown, MD

Age 60 b. 9/30/1965
📍 642 Glynlee Ct, #reisterstown, MD 21136-1724
✉️ mhendrickson@bcps.org, melodyhendrickson@msn.com
👨‍👩‍👧 Relatives: Logan Kobi,Debbie C Logan,Deborah C Vonhendricks,Keesha Logan,Princess D Logan,Saly Camara Logan,Shawna A Dixon,Ahmad K Logan,Ahmad K Logan,Akilah Maria Davis Takara,Akilah Maria Von Hendericks Takara,Alexandra B Olds,Betty Logan Smith,Camara Saly,Carol A Logan,Carol A Logan,Ms Christine J Benowskj,Christine J Benowskyj,Danny A Ranches Sr,Davis Takara,Dwayne C Logan,Etta M Logan,Frederick C Logan Jr,Frederick C Logan,Jamal A Vonhendricks,Kareem A Vonhendricks,Karim S Vonhendricks,Kasene M Logan,Kathline Olds,Khalil R Logan,Lisa L Logan,Malik A Vonhendricks,Mardea Logan,Michelle Heath Davis,Najiyah A Vonhendricks,Nicole Y Logan,Quanti Emanuel Davis,Ruth E Hendricks,Samuel I Davis 3rd,T Olds,T Olds,T Olds,T Olds,Taffy Olds,Takara Am Vonhendricks,Tjmkan Vonhendricks,Viola Davis Coleman,James Edward Davis Jr,Michelle Davis,Nichol M Davis
🕐 15 previous addresses

Melody Hendrickson

Age 52 b. 1973-05-18
📍 3062 S 149th St, New Berlin Wi
📞 (800) 288-2020, (414) 737-3838
✉️ MELSTEPHENS@MARYKAY.COM, melstephens@marykay.com, melodyannhendrickson@gmail.com

Melody Hendrickson

Age 60 b. 1965-07-17
📍 2007 Harbell Ave Sw, Palm Bay Fl
📞 (516) 662-8687, (321) 727-1388
✉️ MELAH07@AOL.COM

Melody Joy Hendrickson from Menifee, CA

Age 47 b. 5/6/1978
📍 29135 Meandering Cir, #menifee, CA 92584-7312
👨‍👩‍👧 Relatives: Robert D Hendrickson Jr,Alicia J Coleman,Amanda F Hendrickson,Charles M Coleman,Cynthia S Coleman,Jason Coleman,Jason E Coleman,John R Coleman Jr,Jonathan Wayne Hendrickson,Maleca L Coleman,Maleca Lynett Coleman,Matthew D Coleman,Matthew Ryan Coleman,Melodyy Hendrickson,Michael E Coleman,Anesha Coleman,Anesha Lashawn Coleman,Aneysa Coliman,Anne M Moulton,Ashlee Marie Hendrickson,Ashley B Robinson,Barbara E Stark,Bob J Jackson,Brandon Hendrickson,Carol L Hendrickson,Connie L Chavez,Cynthia Marie Jackson,Deborah Vernell Jackson,Eric Wade Robinson,Gary Gene Hendrickson,Howard W Robinson,Irene Anaya,Jennifer D Hays,Jon Hendrickson,Jon W Hendrickson,Joyce A Leibelt,Julie Ann Rork,Karen Sue Hendrickson,Kristen L Hendrickson,Michael W Geiser Sr,Robert D Hendrickson,Robert Jerome Jackson,Tani P Robinson,Thomas E Hendrickson,Trisha Suzanne Fenn,Wade Robinson,Wayne C Hendrickson,William W Hendrickson
🕐 12 previous addresses

Melody Hendrickson from Palm Bay, FL

Age 60 b. Jul 1965 Brevard Co.
📍 2007 Harbell Ave Sw
📞 (321) 727-1388, (516) 799-3207

Melody Hendrickson from Saint Cloud, MN

Age 61 b. Mar 1965 Benton Co.
📍 29 14th Ave Ne
📞 (847) 256-0158, (218) 657-2244

Melody Hendrickson from Reisterstown, MD

Age 61 b. 1965 Female
📍 642 Glynlee Ct
📞 (443) 676-3955 (Cell)
✉️ melodyhendrickson@msn.com

Melody Hendrickson from Morristown, NJ

0
📍 57 Highland Ave, Morristown, NJ 07960
👨‍👩‍👧 Relatives: Elizabeth M Hendrickson,Kelly M Hendrickson,Kizzy A Hendrickson,Larry J Hendrickson

Melody Hendrickson from Palm Bay, FL

Age 49
📍 2007 Harbell Ave, Palm Bay, FL 32908
📞 (321) 727-1388, (516) 799-3207, (321) 727-1388, (516) 799-3207, (516) 538-4741, (516) 578-5910
👨‍👩‍👧 Relatives: Jelody A Hendrickson

Melody Hendrickson from Colbert, WA

Age 71 b. Dec 1954 Spokane Co.
📍 20404 N Perry Rd
📞 (530) 671-5035

Melody Hendrickson from Massapequa, NY

Age 60 b. Jul 1965 Nassau Co.
📍 120 N East Blvd 1
📞 (706) 210-8372

Melody Hendrickson from Mound, MN

Age 63 b. Jan 1963 Hennepin Co.
📍 875 Sunnyfield Rd N
📞 (952) 472-4156

Melody Hendrickson from Reisterstown, MD

Age 60 b. Sep 1965 Baltimore Co.
📍 47 Pendragon Ct

Melody Hendrickson from Riverdale, MD

Age 60 b. Sep 1965
📍 5408 Kenilworth Ave
👤 aka Melody Marie Henderickson, Melody Marie Logan, Mel Hendrickson

Melody Hendrickson from Newport Beach, CA

Age 49 b. Dec 1976 Orange Co.
📍 39 Drake St

Melody Hendrickson from Cheney, WA

Spokane Co.
📍 110 N 8th St

Melody Hendrickson from Portland, OR

📍 Portland, OR, 97217

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 18 contact records for Melody Hendrickson across 9 states. The most recent address on file is in Palm Bay, Florida. Of these records, 12 include phone numbers and 5 include email addresses. The listed age is 49. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Hendrickson Melody S

Columbia County
· 21699 Swedetown Rd, Clatskanie

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

Melody Hendrickson

Fayetteville, 30215
DOB: 1/1/1966 Gender: Female
Congress: 003

Melody M Hendrickson

Democrat
642 Glynlee Ct, Reisterstown, MD, 21136
Gender: Female
County: Baltimore County

Melody Lyn Hendrickson

County: Greene

Melody A Hendrickson

Reg: 03643547
120 East Blvd, 12, 11758
DOB: 19650718 Gender: Female

Melody Hendrickson

Democrat Reg: 6/14/2010
11175 SW Eden Ct, Tigard, OR, 97223
DOB: 1/1/1974
County: Washington

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 5 voter registration records were found for Melody Hendrickson in Maryland, Oregon. Party affiliation is listed as DEM. 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.

1998 FORD WINDSTAR
· Registered to: Melody Hendrickson
· VIN: 2FMZA514XWBD92488
·
1709 290th Ave, Mora, MN, 55051
·
(218) 657-2688
2017 Subaru Wrx
· Registered to: Melody Hendrickson
· VIN: JF1VA1E60H8800192
·
875 Sunnyfield Rd N, Mound, MN, 55364
·
(952) 250-8736
2010 Ford F150
· Registered to: Melody Hendrickson
· VIN: 1FTFW1EV3AFB05312
·
1709 290Th Ave, Mora, MN, 55051
·
(218) 657-2688
1999 FORD F150 PICKUP
· Registered to: Melody Hendrickson
· VIN: 1FTZX1725XKB88738
·
1709 290th Ave, Mora, MN, 55051
·
(218) 657-2688

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 4 vehicle registration records are associated with Melody Hendrickson. Registered makes include Ford, Subaru. 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.

First American Title Insurance Company

Human Resources Manager
+15616898200
Portland,
LinkedIn

Melody Hendrickson

Wellness Coach | Independent Business Owner
Isagenix
Brookfield, Wisconsin, United States Health, Wellness And Fitness
LinkedIn

Melody Hendrickson

Wellness Coach | Independent Business Owner
Isagenix
Wisconsin
LinkedIn

Melody (Melody Stephens) Hendrickson

Entrepreneur · New Berlin, Wisconsin

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 7 business affiliations were found for Melody Hendrickson. Companies include Isagenix. Roles listed include Human Resources Manager. Records are compiled from state business registries, SEC filings, and professional networking databases.

Melody Hendrickson

San Mateo High School - San Mateo, CA, CA
1995

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Melody Hendrickson 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 Aug 1, 2010
2010 REP
McGartland, Molly M
Hendrickson, Melody Stephens Realtor @ Coldwell Banker New Berlin, WI
$500 Aug 1, 2010
REP
McGartland, Molly M
Contributor Realtor @ Coldwell Banker New Berlin, WI

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 2 political contribution records found for Melody Hendrickson. Total disclosed contributions amount to $1,000. Recipients include McGartland, Molly M. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Melody M Hendrickson

Age 51 Female
·
642 Glynlee Ct, Reisterstown, MD 21136 (Baltimore County)
39.4623, -76.8014
· (410) 517-3191
Marital: Single TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1983 Purchased 1999
MP

Melody L Hendrickson

Age 36 Female
·
1011 N Hutchinson Ave, Springfield, MO 65803 (Greene County)
37.2200, -93.3409
TZ: Central
Homeowner Single Family Built 2001 Purchased 2015
MP

Melody Hendrickson

Age 62 Female
·
20404 N Perry Rd, Colbert, WA 99005 (Spokane County)
47.8421, -117.3890
· (509) 466-8137
Marital: Single TZ: Pacific
Edu: High School
Homeowner Single Family Built 1970 Purchased 1998
MP

Melody Hendrickson

Age 52 Female
·
2007 Harbell Ave SW, Palm Bay, FL 32908 (Brevard County)
27.9487, -80.6816
· (516) 799-3207
Marital: Single TZ: Eastern
Edu: High School
Homeowner Single Family
MP

Melody L Hendrickson

Age 65 Female
·
PO Box 466, Ashville, NY 14710 (Chautauqua County)
42.1043, -79.3811
Marital: Married TZ: Eastern
Homeowner Single Family Built 1955 Purchased 1994
MP

Melody S Hendrickson

Age 43 Female
·
11175 SW Eden Ct, Portland, OR 97223 (Washington County)
45.4244, -122.7910
Marital: Married TZ: Pacific
Homeowner Single Family Built 1983 Purchased 2010
MP

Melody A Hendrickson

Age 32 Female
·
3 Santa Fe St, Alva, OK 73717 (Woods County)
36.8071, -98.6572
Marital: Single TZ: Central
Single Family
MP

Melody K Hendrickson

Age 31 Female
·
2515 Tripp Dr, Reno, NV 89512 (Washoe County)
39.5528, -119.7930
Marital: Single TZ: Pacific
Occ: Management Edu: High School
Multi-Family
MP

Melody A Hendrickson

Age 54 Female
·
875 Sunnyfield Rd N, Mound, MN 55364 (Hennepin County)
44.9626, -93.6912
· (952) 472-4156
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Purchased 2016

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 9 demographic profiles associated with Melody Hendrickson. 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 Hendrickson. These loans were issued to businesses, not individuals.

Morrow & Nix, LLC

Limited Liability Company(LLC

$12,165 Paid in Full
Address:
PO Box 466
West Point, GA31833-0466
Approved

Apr 10, 2020

Forgiven

$12,284

Jobs Reported

2

Loan #

1245337100

Loan Size

Small

Smitjh Diesel Repair

Sole Proprietorship

$118,350 Paid in Full
Address:
PO Box 466
Checotah, OK74426-0466
Approved

Apr 27, 2020

Forgiven

$119,155

Jobs Reported

12

Loan #

4416637204

Loan Size

Small

Screaming Penguin, INC.

Subchapter S Corporation

$10,415 Paid in Full
Address:
57 Highland Ave
Jersey City, NJ07306
Approved

May 1, 2020

Forgiven

$10,511

Jobs Reported

2

Loan #

2260627706

Loan Size

Small

Bruce Bridges

Self-Employed Individuals

$8,360 Paid in Full
Address:
PO Box 145
Springlake, TX79082
Approved

Apr 15, 2020

Forgiven

$8,438

Jobs Reported

1

Loan #

1582677207

Loan Size

Small

Ft. Recovery Automotive, INC.

Cooperative

$29,710 Paid in Full
Address:
PO Box 466
Fort Recovery, OH45846-0466
Approved

Apr 27, 2020

Forgiven

$29,869

Jobs Reported

3

Loan #

6028647204

Loan Size

Small

Phyllis Bridges

Self-Employed Individuals

$8,240 Paid in Full
Address:
PO Box 145
Springlake, TX79082
Approved

Apr 27, 2020

Forgiven

$8,314

Jobs Reported

1

Loan #

5679197210

Loan Size

Small

Boys & Girls Clubs Of Schenectady

Professional Association

$334,000 Paid in Full
Address:
PO Box 466
Schenectady, NY12301-0466
Approved

Apr 9, 2020

Forgiven

$325,827

Jobs Reported

24

Loan #

9324487006

Loan Size

Medium

Leasing To The Top LLC

Limited Liability Company(LLC

$37,200 Paid in Full
Address:
PO Box 466
Elk River, MN55330-0466
Approved

Apr 28, 2020

Forgiven

$37,797

Jobs Reported

7

Loan #

6452987200

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 8 PPP loan records are linked to businesses associated with Melody Hendrickson. 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 Hendrickson on the map

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Found 38 results across 13 states

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Melody Hendrickson in New Berlin, WI: Background Summary

Location
3062 S 149th St, New Berlin Wi, New Berlin, WI
Other Locations
Palm Bay, FL · Saint Cloud, MN · Reisterstown, MD and 7 more
Profiles Found
18 people with this name
Phone Numbers
(580) 497-2853 and 17 others on file
Email
modyhen3@yahoo.com and 7 others on file
Possible Relatives
Anne M Hendrickson, Aspen R Boyett, Hickory J Hendrickson, Jennifer M Bulla, Jonah Ash Hendrickson and 139 more
Career
Human Resources Manager at Isagenix
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
4 linked — 1998 Ford Windstar, 2017 Subaru Wrx and 2 more
Contributions
$1,000 total — McGartland, Molly M
PPP Loans
$558K for Morrow & Nix, LLC, Smitjh Diesel Repair

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 Hendrickson. Because public records are indexed by name rather than by a unique identifier, the 64 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 Hendrickson

Search Complexity: High

64 public records across 13states, belonging to approximately 18 different individuals. With 18 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 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 13 states. Highest concentration: Minnesota (11%), followed by Maryland and Wisconsin. Spans the Midwest and South regions.

MN7recordsMD6recordsWI5recordsFL4recordsCA3recordsWA3records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (50%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (8) and Business & Corporate Filings (7).

27
Contact & Address Records
8
PPP Loan Records
7
Business & Corporate Filings
5
Voter Registration Records
4
Vehicle Registration Records
2
Political Contribution Records

Age Distribution

Age range: approximately 24 years, suggesting multiple generations. Largest group: Senior (65+) (13%).

Senior (65+)1personMiddle-Age (40-64)7people

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

Frequently Asked Questions About Melody Hendrickson

Is Melody Hendrickson a registered voter?
Yes, voter registration records show Melody Hendrickson is registered. We found 5 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Melody Hendrickson own property?
County assessor records show 1 property associated with Melody Hendrickson . 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 Hendrickson?
Records show 4 vehicle registrations associated with Melody Hendrickson, including a 1998 FORD WINDSTAR. Registered makes include Ford, Subaru. 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 Hendrickson?
We found 7 business affiliations for Melody Hendrickson (Human Resources Manager). Business records are compiled from state registries, SEC filings, and professional databases.
Has Melody Hendrickson made political donations?
FEC disclosure records show 2 reported political contributions from Melody Hendrickson, totaling $1,000. Recipients include McGartland, Molly M. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Melody Hendrickson?
Our database contains 64 total records for Melody Hendrickson spanning 13 states. This includes 18 distinct contact records, 12 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 Melody Hendrickson?
The 64 records displayed for Melody Hendrickson 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 Hendrickson 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.