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Michael Baggetta

Age 70 b. 1956-01-25
📍 Apt 4, 924 Academy Ave, Belmont Ca
📞 (650) 888-3401, (530) 432-0731
✉️ MBAGGETTA@DALYCITY.ORG, mbaggetta@dalycity.org

Michael Baggetta

Age 46 b. 1979-06-16
📍 555 W Jackson Ave Unit 501, Knoxville Tn
📞 (646) 326-8966
✉️ MABNOTES@GMAIL.COM, mabnotes@gmail.com

Michael Baggetta from Penn Valley, CA

Age 75 b. Aug 1950 Male
📍 Po Box 2195
💼 2100
📞 (650) 888-3401 (Cell), (530) 432-0731, (317) 924-1732, (518) 477-5639

Michael Baggetta from Agawam, MA

Age 38
📍 177 Adams St, Agawam, MA 01001
📞 (603) 742-3217, (413) 786-8158, (413) 786-8241, (646) 638-2459, (202) 885-7360
👨‍👩‍👧 Relatives: Beverly C Baggetta,Albert Baggetta,Michael A Baggetta,A Baggetta

Michael Baggetta from Rensselaer, NY

Age 56
📍 156 Broadway, Rensselaer, NY 12144
📞 (518) 274-4920, (518) 786-1691, (518) 272-6466, (518) 785-3478, (518) 783-9830
👨‍👩‍👧 Relatives: Pamela C Baggetta,Janet L Merrifield,Diane L Cottrell,Michael W Couture,Baby Couture,Patricia Kathleen Couture,Debra L Morrison,Janet L Baggetta,Carl Baggetta
🏪 Webstreet Capital Corp

Michael Baggetta from East Schodack, NY

Age 63
📍 212 Rice Rd, East Schodack, NY 12063
📞 (518) 477-5639
👨‍👩‍👧 Relatives: Debra A Baggetta,Tristan M Baggetta

Michael Baggetta from West Linn, OR

Age 66 b. Jul 1959 Clackamas Co.
📍 1321 Stonehaven Dr
📞 (503) 699-5049

Michael Baggetta from Mayfield, PA

Age 101 b. Nov 1924 Lackawanna Co.
📍 416 Depew Ave
📞 (570) 876-1030

Michael Baggetta from Jersey City, NJ

Male
📍 131 Lincoln St
📞 (201) 615-2824 (VERIZON WIRELESS)

Michael Baggetta from Belmont, CA

Age 70 b. Jan 1956 San Mateo Co.
📍 924 Academy Ave 4
👤 aka Baggetta Mike

Michael Baggetta from East Schodack, NY

Age 75 b. Aug 1950 Rensselaer Co.
📍 Rr 150 Po Box 212

Michael Baggetta from Milwaukie, OR

Age 58 b. 1968 Clackamas Co.
📍 10673 Se 21st Ave

Michael Baggetta from Huntington Beach, CA

Age 92 b. Jan 1934 Orange Co.
📍 20161 Glacier Ci

Michael Baggetta from Forest City, PA

Age 74 b. Sep 1951 Susquehanna Co.
📍 17 Elkview Dr 1
👤 aka Baggetta Michael D

Michael Baggetta from Brooklyn, NY

Age 46 b. Jun 1979
📍 59 4th Ave Apt 2l

Michael Baggetta from Watervliet, NY

Age 68 b. Jan 1958 Albany Co.
📍 20 14th St Unit 3

Michael Baggetta from New Brunswick, NJ

Middlesex Co.
📍 18633 Cpo Wa

Michael Baggetta from Latham, NY

Albany Co.
📍 114 Old Loudon Rd

Michael Baggetta from Columbia, SC

Richland Co.
📍 1020 Henderson St A

Michael Baggetta from Los Altos, CA

Santa Clara Co.
📍 591 Arboleda Dr

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 20 contact records for Michael Baggetta across 7 states. The most recent address on file is in Penn Valley, California. Of these records, 9 include phone numbers and 2 include email addresses. Ages range from 38 to 63, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Baggetta, Michael

Rensselaer County
PIN: 190.1-5-2
· 3072 Ny 150, NY
Built: 1939.0
Assessed: $125,000

Michael J Baggetta

2021 Oneida County
· Little Beaver Lake, Forestport

Michael J Baggetta

2024 Oneida County
· Little Beaver Lake, Forestport

Michael Baggetta

2022 Rensselaer County
· 3072 Ny 150, Schodack

Michael Baggetta

2023 Rensselaer County
· 3072 Ny 150, Schodack

Michael J Baggetta

2023 Oneida County
· Little Beaver Lake, Forestport

Michael Baggetta

2021 Rensselaer County
· 3072 Ny 150, Schodack

Michael Baggetta

2024 Rensselaer County
· 3072 Ny 150, Schodack

Michael J Baggetta

2022 Oneida County
· Little Beaver Lake, Forestport

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 9 property records linked to Michael Baggetta. Values shown are from county assessor records and may differ from current market prices.

Michael D Baggetta

Democrat Reg: 02/23/1983
349 Elkview Dr, Clifford Township, PA, 18421
DOB: 09/24/1949 Gender: Unknown

Michael James Baggetta

Republican
305 North Blvd, Salisbury, MD, 21801
Gender: Male
County: Wicomico

Michael D Baggetta

Reg: 30089866
32 Dove St 3
DOB: 19580110 Gender: Male
Senate: 20

Michael J Baggetta

Reg: 1984217903
3072 Ny 150
DOB: 19500821 Gender: Male
Senate: 19

Michael A Baggetta

Reg: 306221520
514 46 Street Apt 2b
DOB: 19790616 Gender: Male
Senate: 7

Michael D Baggetta

349 Elkview Dr
DOB: 09/24/1949 Gender: Unknown

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 6 voter registration records were found for Michael Baggetta in Pennsylvania, Maryland. Records show affiliations with D, REP, which may reflect different individuals or changes over time. 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.

2012 FORD MUSTANG
· Registered to: Michael Baggetta
· VIN: 1ZVBP8AM6C5206755
·
20161 Glacier Cir, Huntington Beach, CA, 92646-4821
·
(714) 968-4015
2009 FORD ESCAPE
· Registered to: Michael Baggetta
· VIN: 1FMCU04G49KC34499
·
20161 Glacier Cir, Huntington Beach, CA, 92646-4821
·
(714) 968-4015
2009 FORD F-150
· Registered to: Michael Baggetta
· VIN: 1FTRX14869FA45513
·
349 Elkview Dr, Clifford Township, PA, 18421-7740
·
(570) 785-3949

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 3 vehicle registration records are associated with Michael Baggetta. Registered makes include Ford. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Rebel CMC

Business Development
mbaggetta@yahoo.com
New York,
LinkedIn

Webstreet Capital Corporation

President
(518) 689-0464
Cropseyville, NY
Commodity and Security Brokers, Exchanges, Services and Dealers (Finance)

Michael Baggetta

Michael Baggetta
(626) 296-5561earthsremedies@earthlink.net
Latham, NY12110

Silverton Art Association

Michael BaggettaBoard Member
Silverton, OR

Michael Baggetta

Head Men'S Lacrosse Coach
Ferrum College
Ferrum, Virginia, United States Sports
mbaggetta@ferrum.edu 18034677645.0
LinkedIn

Michael Baggetta

Developer Of Teamskills Materials At Bcm International INC
Bcm International INC.
New York
LinkedIn

Bredemann Chevrolet

Michael BaggettaOwner
(201) 615-2824mbaggetta@earthlink.net
131 Lincoln St, Jersey City, NJ7307
bredemann.com

Michael D Baggetta

Business Development Execut · Watervliet, New York

Bredemann Chevrolet

Michael BaggettaOwner
(201) 615-2824mbaggetta@earthlink.net
131 Lincoln St, Jersey City, NJ7307

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 20 business affiliations were found for Michael Baggetta. Companies include Webstreet Capital Corporation, Michael Baggetta, Ferrum College and 1 more. Roles listed include Business Development and Board Member. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Officer: Michael Baggetta
Registered Agent: Michael Baggetta

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

michael baggetta

A
Addr: Troy, NY

Source: State Professional Licensing Boards · Dept. of Professional Regulation Michael Baggetta holds 1 state-issued professional license on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Michael Baggetta

Edison High School - Huntington Beach, CA, CA
1977

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Michael Baggetta 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.

$5 Apr 23, 2016
2016 DEM
Edwards, Donna Fern
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Mar 22, 2017
2018
Stop The Speaker Pac
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$3 Mar 30, 2020
2020
Stop Republicans
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Apr 23, 2016
2016 DEM
Gillibrand, Kirsten Elizabeth Mrs.
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Aug 26, 2012
2012 DEM
Hirono, Mazie K
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Aug 26, 2012
2012 DEM
Gillibrand, Kirsten Elizabeth Mrs
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$10 May 19, 2017
2018
Stop The Speaker Pac
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$15 Apr 24, 2017
2018 DEM
Gillibrand, Kirsten Elizabeth Mrs.
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Aug 26, 2012
2012 DEM
Baldwin, Tammy
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Jun 29, 2017
2018 DEM
Warren, Elizabeth
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Aug 26, 2012
2012 DEM
Berkley, Shelley
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Aug 26, 2012
2012 DEM
Heitkamp, Heidi
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Sep 15, 2012
2012 DEM
Meng, Grace
Baggetta, Michael Hs Teacher Retired @ Bkwcsd East Schodack, NY
$5 Mar 22, 2017
2018
Stop The Speaker Pac
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Jun 3, 2017
2018 DEM
Gillibrand, Kirsten Elizabeth
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Jun 13, 2017
2018 DEM
Gillibrand, Kirsten Elizabeth
Baggetta, Michael High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY
$5 Sep 15, 2012
2012 DEM
Gillibrand, Kirsten Elizabeth Mrs
Baggetta, Michael Hs Teacher Retired @ Bkwcsd East Schodack, NY
$5 Apr 23, 2016
DEM
Edwards, Donna Fern
Contributor High School Teacher Retired @ Berne Knox Westerlo Csd East Schodack, NY

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 18 political contribution records found for Michael Baggetta. Total disclosed contributions amount to $103. Recipients include Edwards, Donna Fern. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Michael D Baggetta

Age 59 Male
·
20 14th St, Watervliet, NY 12189 (Albany County)
42.7246, -73.7009
Marital: Single TZ: Eastern
Occ: White Collar Edu: Some College
Multi-Family
MP

Michael D Baggetta

Age 67 Male
·
349 Elkview Dr, Clifford Twp, PA 18421 (Susquehanna County)
41.6501, -75.4646
· (570) 785-3949
Marital: Inferred Married TZ: Eastern
Edu: High School
Homeowner Single Family
MP

Michael Baggetta

Age 92 Male
·
416 Depew Ave, Jermyn, PA 18433 (Lackawanna County)
41.5380, -75.5428
· (570) 876-4594
Marital: Inferred Married TZ: Eastern
Edu: Some College
Homeowner Single Family Purchased 1999
MP

Michael J Baggetta

Age 32 Male
·
4215 Sleepy Lake Dr, Fairfax, VA 22033 (Fairfax County)
38.8641, -77.3727
TZ: Eastern
Single Family
MP

Michael A Baggetta

Age 83 Male
·
20161 Glacier Cir, Huntingtn Bch, CA 92646 (Orange County)
33.6703, -117.9600
· (714) 968-4015
Marital: Married TZ: Pacific
Edu: High School
Homeowner Single Family Built 1971 Purchased 2007
MP

Michael F Baggetta

Male
·
10673 SE 21st Ave, Milwaukie, OR 97222 (Clackamas County)
45.4459, -122.6410
TZ: Pacific
Homeowner Single Family Built 2006 Purchased 2007
MP

Michael A Baggetta

Age 38 Male
·
8934 Fox Lake Dr, Knoxville, TN 37923 (Knox County)
35.9309, -84.0830
Marital: Married TZ: Eastern
Edu: High School
Single Family
MP

Michael J Baggetta

Age 67 Male
·
PO Box 212, East Schodack, NY 12063 (Rensselaer County)
42.5583, -73.6309
Marital: Inferred Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1939

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 8 demographic profiles associated with Michael Baggetta. 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 Michael Baggetta. These loans were issued to businesses, not individuals.

Demarie LLC

Limited Liability Company(LLC

$36,842 Paid in Full
Address:
156 Broadway
Brooklyn, NY11211-8758
Approved

Mar 5, 2021

Forgiven

$37,075

Jobs Reported

2

Loan #

7109308504

Loan Size

Small

Brow Oil Company

Subchapter S Corporation

$145,495 Paid in Full
Address:
177 Adams St
Braintree, MA02184-1917
Approved

Apr 15, 2020

Forgiven

$129,792

Jobs Reported

9

Loan #

9939177101

Loan Size

Small

Rk Hall Re LLC

Subchapter S Corporation

$20,832 Paid in Full
Address:
156 Broadway
Brooklyn, NY11211-8758
Approved

May 1, 2021

Forgiven

$20,923

Jobs Reported

1

Loan #

6201838900

Loan Size

Small

Terance M Ruso, Cpa

Sole Proprietorship

$42,716 Paid in Full
Address:
156 Broadway
Rensselaer, NY12144-2805
Approved

May 2, 2020

Forgiven

$43,039

Jobs Reported

9

Loan #

9438897303

Loan Size

Small

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

Find Michael Baggetta on the map

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Found 53 results across 10 states

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Michael Baggetta in Belmont, CA: Background Summary

Location
Apt 4, 924 Academy Ave, Belmont Ca, Belmont, CA
Other Locations
Penn Valley, CA · West Linn, OR · Mayfield, PA and 11 more
Profiles Found
20 people with this name
Phone Numbers
(650) 888-3401 and 9 others on file
Email
mbaggetta@dalycity.org and 1 other on file
Possible Relatives
Beverly C Baggetta, Albert Baggetta, Michael A Baggetta, A Baggetta, Pamela C Baggetta and 10 more
Career
Business Development, Board Member at Webstreet Capital Corporation, Michael Baggetta
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
3 linked — 2012 Ford Mustang, 2009 Ford Escape and 1 more
Contributions
$103 total — Edwards, Donna Fern
PPP Loans
$246K for Demarie LLC, Brow Oil Company

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 Michael Baggetta. Because public records are indexed by name rather than by a unique identifier, the 98 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 Michael Baggetta

Search Complexity: High

98 public records across 10states, belonging to approximately 20 different individuals. With 20 distinct profiles across 10 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 10 states. Highest concentration: New York (15%), followed by California and Pennsylvania. Spans the Northeast and West regions.

NY15recordsCA11recordsPA9recordsNJ7recordsOR4recordsMA2records

Record Type Breakdown

Data spans 9 record categories. Largest: Contact & Address Records (30%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (20) and Political Contribution Records (18).

27
Contact & Address Records
20
Business & Corporate Filings
18
Political Contribution Records
9
Property Ownership Records
6
Voter Registration Records
4
PPP Loan Records

Age Distribution

Age range: approximately 64 years, suggesting multiple generations. Largest group: Senior (65+) (58%).

Senior (65+)7peopleMiddle-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 Michael Baggetta

Is Michael Baggetta a registered voter?
Yes, voter registration records show Michael Baggetta is registered in Pennsylvania with D affiliation. We found 6 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Michael Baggetta own property?
County assessor records show 9 properties associated with Michael Baggetta . 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 Michael Baggetta?
Records show 3 vehicle registrations associated with Michael Baggetta, including a 2012 FORD MUSTANG. 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 Michael Baggetta?
We found 20 business affiliations for Michael Baggetta (Business Development). Other companies include Michael Baggetta, ferrum college. Business records are compiled from state registries, SEC filings, and professional databases.
Has Michael Baggetta made political donations?
FEC disclosure records show 18 reported political contributions from Michael Baggetta, totaling $103. Recipients include Edwards, Donna Fern. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Michael Baggetta?
Our database contains 98 total records for Michael Baggetta spanning 10 states. This includes 20 distinct contact records, 9 with phone numbers, 2 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 Michael Baggetta?
The 98 records displayed for Michael Baggetta 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 Michael Baggetta 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.