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Michael Freas

Age 74 b. 1951-09-27
📍 4503 Sw Brooklyn Ave Apt 16, Bentonville Ar
📞 (479) 366-9557, (479) 866-9707
✉️ SHELBY629@ATT.NET, shelby629@att.net

Michael Freas

Age 80 b. 1945-07-29
📍 23600 Effingham Bl, Euclid Oh 44117
📞 (216) 978-8059, (216) 978-8059, (216) 481-9163
✉️ MFREAS@SBCGLOBAL.NET, mfreas@sbcglobal.net

Michael Freas

Age 64 b. 1961-11-20
📍 4813 Monet Way, Sacramento Ca
📞 (916) 331-5806, (916) 342-5802
✉️ MKFREAS@SBCGLOBAL.NET

Michael Freas

Age 45 b. 1980-04-10
📍 818 N Hyer Ave, Orlando Fl
📞 (407) 535-2714, (407) 535-2714
✉️ MIKEFREAS@GMAIL.COM

Michael Freas

Age 45 b. 1980-04-09
📍 1315 Eliza St, Key West Fl
📞 (305) 896-6314, (305) 896-6314
✉️ INFO@FOTOBYFREAS.COM

Michael Freas from North Tonawanda, NY

Age 60
📍 3310 Craig Dr, North Tonawanda, NY 14120
📞 (716) 743-1283, (716) 743-1283, (716) 553-8183, (716) 633-8054
👨‍👩‍👧 Relatives: Adrienne M Freas,Elizabeth Marie Freas,Michelle L Freas,Kimberly A Freas

Michael Freas from Sacramento, CA

Age 65 b. 1961 Male
📍 4813 Monet Way
💼 1702
📞 (916) 335-7338 (Cell)
✉️ kfreas09@hotmail.com

Michael Freas from Los Angeles, CA

Age 70 b. Dec 1955 Los Angeles Co.
📍 6255 W Sunset Blvd Unit 1026
📞 (602) 899-3536

Michael Freas from San Diego, CA

Age 52 b. Jul 1973 San Diego Co.
📍 3594 Scamp St
📞 (858) 300-5692

Michael Freas

📍 23600 Effingham Blvd, Euclid Oh 44117
📞 (216) 481-9163, (216) 978-8059
✉️ MFREAS@SBCGLOBAL.NET

Michael Freas from Palm Bch Gdns, FL

Age 65 b. Jan 1961 Palm Beach Co.
📍 1700 S Estrella Ct
📞 (231) 885-2642

Michael Freas from Heath, OH

Age 60 b. Sep 1965 Licking Co.
📍 151 Putnam Rd
📞 (860) 658-9546

Michael Freas from Springdale, AR

Age 74 b. Sep 1951
📍 126 Rhodes Ave Apt 94
📞 (479) 927-9790
👤 aka Mike Freas

Michael Freas from Mesick, MI

Age 65 b. Aug 1960 Wexford Co.
📍 8490 W 12 3/4 Rd
📞 (231) 885-2690

Michael Freas from Heath, OH

Age 60 b. Sep 1965 Licking Co.
📍 329 Clinton Dr
📞 (740) 522-8422

Michael Freas from Euclid, OH

Age 80 b. Jul 1945 Cuyahoga Co.
📍 23600 Effingham Blvd
📞 (216) 481-9163

Michael Freas from Kailua, HI

Age 52 b. Jul 1973 Honolulu Co.
📍 1872 Marmande Dr
📞 (858) 300-5692
👤 aka Amy C Freas

Michael Freas

📍 23600 Effingham, Euclid Oh 44117
📞 (216) 481-9163
✉️ MFREAS@SBCGLOBAL.NET

Michael Freas from Bentonville, AR

Male
📍 300 Moberly Ln
📞 (479) 366-9554 (AT&T MOBILITY)

Michael Freas from Panorama City, CA

0000 Male
📍 8548 Wakefield Ave
📞 (323) 365-8970

Michael Freas from Pennsville, NJ

Age 59 b. Oct 1966
📍 20 Fort Sumpter Rd

Michael Freas from Alloway, NJ

Age 60 b. 1966 Salem Co.
📍 Po Box 730

Michael Freas from Sacramento, CA

Age 64 b. Nov 1961 Sacramento Co.
📍 2592 Warrego Wa

Michael Freas from Key West, FL

Age 45 b. Apr 1980
📍 1315 Eliza St
👤 aka Michael Fr

Michael Freas from Bloomingdale, OH

Age 56 b. Jan 1970 Jefferson Co.
📍 2569 Twp Hy 220

Michael Freas from Clarksville, TN

Age 58 b. Jun 1967 Montgomery Co.
📍 922 Power St 93

Michael Freas from Portage, MI

Age 58 b. Jun 1967 Kalamazoo Co.
📍 5431 Meredith St

Michael Freas from Rochester, NY

Monroe Co.
📍 54 Melville St
📞 (585) 224-3636
👤 aka Michael S Littleton

Michael Freas from Ridgecrest, CA

Kern Co.
📍 Vx 9 Eagr Shop

Michael Freas from Milwaukee, WI

Milwaukee Co.
📍 939 N 15th
👤 aka Michael P Freas

Michael Freas from Wilmington, NC

New Hanover Co.
📍 415 Orange St 2

Michael Freas from Auburndale, FL

Polk Co.
📍 112 Rose St

Michael Freas from Kalamazoo, MI

Kalamazoo Co.
📍 232 Woodward Ave

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 33 contact records for Michael Freas across 11 states. The most recent address on file is in Sacramento, California. Of these records, 21 include phone numbers and 8 include email addresses. The listed age is 60. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Freas Michael J

Cuyahoga County
· 23600 Effingham Blvd, Euclid Oh 44117
Sale: $90,000 (1985/07/10)

Freas, Michael R

Residential Salem County
· PO Box 730, 08001

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

Michael Allen Freas

Reg: 02/08/2016
811 Laventure Rd, Mount Vernon, WA, 98274
DOB: 07/14/1973 Gender: Male
County: SK

Michael Freas

Ludowici, 31316
DOB: 1/1/1967 Gender: Male
Congress: 001

Michael D Freas

Republican
2 Somers Ave, Ocean View, 08230
DOB: 11/6/1990
County: Cape May

Michael S Freas

Democrat Reg: 04/03/2006
2126 East Blvd, Bethlehem, PA, 18017
DOB: 02/27/1967 Gender: Male

Michael Freas

Republican Reg: 10/21/2016
121 7th St 507, Pittsburgh, PA, 15222
DOB: 04/20/1990 Gender: Male

michael SHAWN freas

Republican Reg: 04/05/2013
3916 Cullerton St, Hope Mills, NC, 28348
DOB: 1967 Gender: Male
County: Cumberland

Michael D Freas

Reg: M149444
3310 Craig Dr
DOB: 19531119 Gender: Male
Senate: 27

Michael Freas

121 7th St 507
DOB: 04/20/1990 Gender: Male

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 8 voter registration records were found for Michael Freas in Washington, Pennsylvania, North Carolina. Records show affiliations with R, D, REP, which may reflect different individuals or changes over time. 2 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2010 FORD EDGE
· Registered to: Michael Freas
· VIN: 2FMDK3JCXABA36232
·
8490 W 12 3/4 Rd, Mesick, MI, 49668
2004 Cadillac CTS
· Registered to: Michael Freas
· VIN: 1G6DN57S440170779
·
7929 Bluffridge Dr, Raleigh, NC, 27615
·
(919) 818-3384
2013 Toyota RAV4
· Registered to: Michael Freas
· VIN: 2T3DFREV3DW026425
·
3310 Craig Dr, N Tonawanda, NY, 14120
·
(716) 743-1283
2008 Nissan Altima
· Registered to: Michael Freas
· VIN: 1N4AL21E08C216741
·
3310 Craig Dr, North Tonawanda, NY, 14120-1268
·
(716) 743-1283
2013 Hyundai Sonata
· Registered to: Michael Freas
· VIN: 5NPEB4AC8DH718825
·
23600 Effingham Blvd, Euclid, OH, 44117
·
(216) 481-9163
2018 Nissan Sentra
· Registered to: Michael Freas
· VIN: 3N1AB7AP0JL635634
·
329 Clinton Dr, Heath, OH, 43056
·
(740) 281-7485
2018 HYUNDAI SONATA
· Registered to: Michael Freas
· VIN: 5NPE24AF0JH722566
·
23600 Effingham Blvd, Euclid, OH, 44117
2013 Nissan Sentra
· Registered to: Michael Freas
· VIN: 3N1AB7AP0DL722602
·
329 Clinton Dr, Heath, OH, 43056
·
(740) 281-7485
2009 CHEVROLET SILVERADO K1500 PICKUP
· Registered to: Michael Freas
· VIN: 1GCEK14X99Z104489
·
1420 Carson Rd, New Cumberland, WV, 26047
2012 Ford Explorer
· Registered to: Michael Freas
· VIN: 1FMHK8F85CGA11933
·
2616 Alamance Cir, Virginia Beach, VA, 23456
·
(858) 740-7110
2003 CHEVROLET CAVALIER 4DR SEDAN
· Registered to: Michael Freas
· VIN: 1G1JC52F937149991
·
1420 Carson Rd, New Cumberland, WV, 26047
1964
· Registered to: Michael Freas
·
151 Putnam Rd, Heath, OH, 43056
· Registered to: Michael Freas
·
329 Clinton Dr, Heath, OH, 43056

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 13 vehicle registration records are associated with Michael Freas. Registered makes include Ford, Cadillac, Toyota, Nissan and others. The most recent model year on record is 2018. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Jackson's English & Western Store

+12697922550jacksonswestern@gmail.com

Toad Web Sites Inc

Michael FreasOwner
(716) 553-8183afreas@netscape.net
3310 Craig Dr, N Tonawanda, NY14120
toadwebsites.com

Toad Web Sites Inc

Michael FreasOwner
(716) 553-8183afreas@netscape.net
3310 Craig Dr, N Tonawanda, NY14120

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 5 business affiliations were found for Michael Freas. Companies include Toad Web Sites Inc. Roles listed include Null and Owner. Records are compiled from state business registries, SEC filings, and professional networking databases.

Michael Freas

Foothill High School - Sacramento, CA, CA
1979

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

$10 Sep 30, 2020
2020 REP
Ernst, Joni K
Freas, Michael Retired Euclid, OH
$0 Sep 19, 2020
2020
Trump Make America Great Again Committee
Freas, Michael Retired Euclid, OH
$5 Sep 19, 2020
2020 REP
Trump, Donald J
Freas, Michael Retired Euclid, OH
$10 Sep 26, 2020
2020
Trump Make America Great Again Committee
Freas, Michael Retired Euclid, OH
$0 Sep 19, 2020
Trump Make America Great Again Committee
Contributor Retired Euclid, OH

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 5 political contribution records found for Michael Freas. Total disclosed contributions amount to $25. Recipients include Trump Make America Great Again Committee. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Michael Freas

Male
·
422 Fleming St, Key West, FL 33040 (Monroe County)
24.5558, -81.8032
TZ: Eastern
Single Family
MP

Michael Freas

Male
·
166 James Pl, Pittsburgh, PA 15228 (Allegheny County)
40.3652, -80.0608
· (412) 343-7327
Marital: Married TZ: Eastern
Homeowner Single Family Built 2002 Purchased 2001
MP

Michael Freas

Male
·
2241 Virginia Ave, Santa Monica, CA 90404 (Los Angeles County)
34.0225, -118.4680
TZ: Pacific
Multi-Family
MP

Michael Freas

Age 44 Male
·
12938 Pine Ln, Lusby, MD 20657 (Calvert County)
38.3268, -76.4176
· (858) 300-5692
Marital: Married TZ: Eastern
Single Family
MP

Michael D Freas

Age 63 Male
·
3310 Craig Dr, N Tonawanda, NY 14120 (Niagara County)
43.0904, -78.8609
· (716) 417-2018
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1994 Purchased 1994
MP

Michael L Freas

Age 47 Male
·
1420 Carson Rd, New Cumberlnd, WV 26047 (Hancock County)
40.5237, -80.5245
Marital: Married TZ: Eastern
Occ: Professional
Homeowner Single Family Built 1995
MP

Michael R Freas

Age 50 Male
·
PO Box 730, Alloway, NJ 08001 (Salem County)
39.5589, -75.3628
Marital: Married TZ: Eastern
Homeowner Single Family
MP

Michael T Freas

Male
·
8490 W 12 3/4 Rd, Mesick, MI 49668 (Wexford County)
44.4279, -85.7459
· (231) 885-2690
TZ: Eastern
Homeowner Single Family Purchased 1994
MP

Michael S Freas

Age 51 Male
·
329 Clinton Dr, Heath, OH 43056 (Licking County)
40.0164, -82.4567
· (740) 281-7485
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1957 Purchased 1994
MP

Michael D Freas

Age 27 Male
·
700 Washington St, Hoboken, NJ 07030 (Hudson County)
40.7448, -74.0287
Marital: Single TZ: Eastern
Multi-Family
MP

Michael J Freas

Age 72 Male
·
23600 Effingham Blvd, Euclid, OH 44117 (Cuyahoga County)
41.5720, -81.5184
· (216) 469-1318
Marital: Married TZ: Eastern
Occ: Healthcare Edu: Graduate School
Homeowner Single Family Built 1961 Purchased 1985
MP

Michael Freas

Age 61 Male
·
617 S Irving Blvd, Los Angeles, CA 90005 (Los Angeles County)
34.0628, -118.3180
Marital: Single TZ: Pacific
Single Family
MP

Michael D Freas

Age 20 Male
·
5636 Woods Church Rd, Walhonding, OH 43843 (Coshocton County)
40.3156, -82.2109
Marital: Married TZ: Eastern
Homeowner Single Family Built 2005
MP

Michael Freas

Male
·
3916 Cullerton St, Hope Mills, NC 28348 (Cumberland County)
34.9652, -78.9839
· (910) 491-2998
TZ: Eastern
Homeowner Single Family Built 2001 Purchased 2012
MP

Michael Freas

Age 55 Male
·
4813 Monet Way, Sacramento, CA 95842 (Sacramento County)
38.6868, -121.3520
· (916) 335-7338
Marital: Married TZ: Pacific
Occ: Professional Edu: Some College
Homeowner Single Family Built 1976 Purchased 1990
MP

Michael L Freas

Age 44 Male
·
7929 Bluffridge Dr, Raleigh, NC 27615 (Wake County)
35.8893, -78.6725
· (919) 818-3384
Marital: Single TZ: Eastern
Edu: High School
Homeowner Single Family Built 1985 Purchased 2004

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 16 demographic profiles associated with Michael Freas. 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 Freas. These loans were issued to businesses, not individuals.

Andre Rock

Self-Employed Individuals

$8,333 Paid in Full
Address:
2126 East Blvd
Bethlehem, PA18017-5032
Approved

Apr 24, 2021

Forgiven

$8,374

Jobs Reported

1

Loan #

1302938902

Loan Size

Small

Andre Rock

Self-Employed Individuals

$8,333 Paid in Full
Address:
2126 East Blvd
Bethlehem, PA18017-5032
Approved

Apr 1, 2021

Forgiven

$8,377

Jobs Reported

1

Loan #

4858588707

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 2 PPP loan records are linked to businesses associated with Michael Freas. 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 Freas on the map

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Found 69 results across 15 states

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Michael Freas in Bentonville, AR: Background Summary

Location
4503 SW Brooklyn Ave Apt 16, Bentonville Ar, Bentonville, AR
Other Locations
Sacramento, CA · Los Angeles, CA · San Diego, CA and 19 more
Profiles Found
33 people with this name
Phone Numbers
(479) 366-9557 and 19 others on file
Email
shelby629@att.net and 5 others on file
Possible Relatives
Adrienne M Freas, Elizabeth Marie Freas, Michelle L Freas, Kimberly A Freas
Career
Owner at Toad Web Sites Inc
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
13 linked — 2010 Ford Edge, 2004 Cadillac Cts and 11 more
Contributions
$25.25 total — Trump Make America Great Again Committee
PPP Loans
$16,666 for Andre Rock, Andre Rock

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 Freas. Because public records are indexed by name rather than by a unique identifier, the 94 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 Freas

Search Complexity: High

94 public records across 15states, belonging to approximately 33 different individuals. With 33 distinct profiles across 15 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 15 states. Highest concentration: Ohio (18%), followed by California and New York. Spans the Midwest and South regions.

OH17recordsCA13recordsNY8recordsMI5recordsNC5recordsAR4records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (55%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Vehicle Registration Records (13) and Voter Registration Records (8).

42
Contact & Address Records
13
Vehicle Registration Records
8
Voter Registration Records
5
Business & Corporate Filings
5
Political Contribution Records
2
Property Ownership Records

Age Distribution

Age range: approximately 35 years, suggesting multiple generations. Largest group: Senior (65+) (45%).

Senior (65+)5peopleMiddle-Age (40-64)6people

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

Frequently Asked Questions About Michael Freas

Is Michael Freas a registered voter?
Yes, voter registration records show Michael Freas is registered in Washington. We found 8 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Michael Freas own property?
County assessor records show 2 properties associated with Michael Freas . 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 Freas?
Records show 13 vehicle registrations associated with Michael Freas, including a 2010 FORD EDGE. Registered makes include Ford, Cadillac, Toyota, Nissan. 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 Freas?
We found 5 business affiliations for Michael Freas (null). Business records are compiled from state registries, SEC filings, and professional databases.
Has Michael Freas made political donations?
FEC disclosure records show 5 reported political contributions from Michael Freas, totaling $25. Recipients include Trump Make America Great Again Committee. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Michael Freas?
Our database contains 94 total records for Michael Freas spanning 15 states. This includes 33 distinct contact records, 21 with phone numbers, 8 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 Freas?
The 94 records displayed for Michael Freas 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 Freas 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.