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Roberta Early from Naples, FL

Age 63 b. Sep 1962 Collier Co.
📍 3093 52nd St Sw
📞 (941) 353-4003, (239) 353-4003, (239) 304-1474

Roberta Early from Naples, FL

Age 51
📍 2820 53rd St, Naples, FL 34116
📞 (239) 353-4003, (941) 353-4003, (732) 787-3073
👨‍👩‍👧 Relatives: John James Early,Kimberly M Early,John Early,Shaun Patrick Early,Eugene Early

Roberta Early from Waterford, MI

Age 73 b. Jun 1952 Oakland Co.
📍 3600 Fort Dr
📞 (248) 673-6069

Roberta Early

📍 3087 Princeton St, Wellsboro Pa
📞 (717) 945-3844, (111) 111-0002
✉️ BOBBIE522005@YAHOO.COM

Roberta J Early from Jacksonville, FL

Age 29
📍 750 Fernway St, Jacksonville, FL 32208
📞 (904) 924-9489

Roberta Early from Norfolk, VA

Age 92 b. Jan 1934 Norfolk City Co.
📍 7029 Adele Ct
📞 (804) 857-0947

Roberta Early from Christiansburg, VA

Age 62 b. 1964 Montgomery Co.
📍 2322 Castle Rd
📞 (540) 382-1021

Roberta Early from Polson, MT

Age 55 b. Dec 1970 Lake Co.
📍 907 4 Th Ave E A
📞 (312) 432-9372
👤 aka Roberta J Harrell

Roberta Early from Saint Petersburg, FL

Age 90 b. 1936 Female
📍 6495 Shoreline Dr Apt 8404
✉️ rearly2311@comcast.net

Roberta Early from Brighton, MI

0
📍 6251 Stephen, Brighton, MI 48116
👨‍👩‍👧 Relatives: Walter Frank Early

Roberta Early from Jacksonville, FL

Age 56 b. Oct 1969
📍 12450 Biscayne Blvd Apt 1619

Roberta Early from Plainfield, IL

Age 90 b. 1936 Will Co.
📍 13760 S Hickory Ln

Roberta Early from Keansburg, NJ

Age 63 b. Sep 1962
📍 43 Collins St

Roberta Early from Verona, WI

Age 90 b. Feb 1936 Dane Co.
📍 904 Hemlock Dr

Roberta Early from Livermore, CA

Age 72 b. Sep 1953 Alameda Co.
📍 1663 Elm St

Roberta Early from Jacksonville, FL

Duval Co.
📍 5324 Westchase Ct Apt 2
📞 (417) 883-9485

Roberta Early from Vashon, WA

King Co.
📍 Po Box 5082

Roberta Early from Berwick, PA

Columbia Co.
📍 503 W 2nd St

Unknown Person

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 19 contact records for Roberta Early across 10 states. The most recent address on file is in Naples, Florida. Of these records, 9 include phone numbers and 2 include email addresses. Ages range from 29 to 51, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Early Roberta

Duval County
PIN: 0213200000R
· 7884 Pipit Ave, Jacksonville 32219
Value: $86,941

Early Roberta

Duval County
PIN: 0213200000R
· 7884 Pipit Ave, Jacksonville
Built: 2008.0
Assessed: $84,490

Early Roberta

Duval County
· 7884 Pipit Ave, Jacksonville-West 32219.0
Built: 2008.0
Assessed: $84,490

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 3 property records linked to Roberta Early in Jacksonville-West. Values shown are from county assessor records and may differ from current market prices.

Roberta Lee Early

Republican Reg: 09/19/2016
41 Katie Dr, Ronks, PA, 17572
DOB: 06/02/1952

Roberta Lee Early

41 Katie Dr
DOB: 06/02/1952

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Roberta Early in Pennsylvania. Party affiliation is listed as R. 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.

2005 Chevrolet Uplander
· Registered to: Roberta Early
· VIN: 1GNDV33L85D287797
·
13760 S Hickory Ln, Plainfield, IL, 60544
·
(815) 407-1282
2011 CHEVROLET EQUINOX
· Registered to: Roberta Early
· VIN: 2CNALPEC3B6243993
·
13760 S Hickory Ln, Plainfield, IL, 60544-6447
·
(815) 407-1282
2001 CHRYSLER PT CRUISER CUV
· Registered to: Roberta Early
· VIN: 3C8FY4BB91T619501
·
PO Box 674, Hastings, FL, 32145

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 3 vehicle registration records are associated with Roberta Early. Registered makes include Chevrolet, Chrysler. The most recent model year on record is 2011. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Boscobel Utilities

Roberta EarlyExecutive Director
(608) 375-4144robertaearly@boscobelwisconsin.com
Boscobel, WI

Roberta Early

United States

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 3 business affiliations were found for Roberta Early. Companies include Boscobel Utilities. Records are compiled from state business registries, SEC filings, and professional networking databases.

Roberta Early

Haverling Sr. High School - Bath, NY, NY
1948

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Roberta Early 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.

MP

Roberta Early

Female
·
17 Nichols St, Wellsboro, PA 16901 (Tioga County)
41.7524, -77.3033
TZ: Eastern
Single Family
MP

Roberta Early

Age 47 Female
·
7884 Pipit Ave, Jacksonville, FL 32219 (Duval County)
30.3963, -81.7331
· (904) 432-6867
TZ: Eastern
Occ: Service Industry Edu: High School
Homeowner Single Family Built 2008 Purchased 2012
MP

Roberta G Early

Age 48 Female
·
213 W Colquitt St, Sparks, GA 31647 (Cook County)
31.1671, -83.4413
TZ: Eastern
Occ: Professional
Single Family
MP

Roberta Early

Female
·
41 Katie Dr, Ronks, PA 17572 (Lancaster County)
39.9666, -76.1229
TZ: Eastern
Homeowner Single Family Built 1996
MP

Roberta Early

Female
·
45152 Airstream Ave, Callahan, FL 32011 (Nassau County)
30.5576, -81.8260
· (904) 651-6677
TZ: Eastern
Single Family
MP

Roberta L Early

Age 81 Female
·
6495 Shoreline Dr, St Petersburg, FL 33708 (Pinellas County)
27.8291, -82.7720
Marital: Married TZ: Eastern
Edu: Some College
Multi-Family
MP

Roberta A Early

Age 54 Female
·
3093 52nd St SW, Naples, FL 34116 (Collier County)
26.1722, -81.7094
· (239) 304-1474
Marital: Married TZ: Eastern
Occ: Management Edu: High School
Homeowner Single Family Built 1984 Purchased 2002

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with Roberta Early. 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 Roberta Early. These loans were issued to businesses, not individuals.

Smart Choice Flooring LLC

Limited Liability Company(LLC

$6,796 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2253
Approved

Mar 17, 2021

Forgiven

$6,862

Jobs Reported

1

Loan #

4042968602

Loan Size

Small

Gaddis Law, LLC

Limited Liability Company(LLC

$11,600 Paid in Full
Address:
102 S Tejon St
Colorado Springs, CO80903-2231
Approved

May 1, 2020

Forgiven

$11,686

Jobs Reported

2

Loan #

9933797708

Loan Size

Small

Don Smith & Associates INC

Corporation

$20,832 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2253
Approved

Feb 27, 2021

Forgiven

$20,945

Jobs Reported

1

Loan #

5237468501

Loan Size

Small

Entworks CORP

Corporation

$112,000 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2253
Approved

Apr 7, 2021

Forgiven

$112,678

Jobs Reported

11

Loan #

8426558703

Loan Size

Small

York Asset Management INC.

Subchapter S Corporation

$19,393 Paid in Full
Address:
102 S Tejon St Ste 500
Colorado Springs, CO80903-2236
Approved

Mar 24, 2021

Forgiven

$19,571

Jobs Reported

1

Loan #

8256568604

Loan Size

Small

Lechner INC.

Subchapter S Corporation

$7,500 Paid in Full
Address:
102 S Tejon St STE 100
Colorado Springs, CO80903-2200
Approved

Apr 12, 2020

Forgiven

$7,610

Jobs Reported

2

Loan #

4153147109

Loan Size

Small

Quinox Solutions LLC

Limited Liability Company(LLC

$119,900 Paid in Full
Address:
102 S Tejon St Ste 220
Colorado Springs, CO80903-2200
Approved

Apr 10, 2020

Forgiven

$120,609

Jobs Reported

8

Loan #

1482467108

Loan Size

Small

Weeks & Luchetta, L.l.p.

Partnership

$116,274 Paid in Full
Address:
102 S Tejon St Ste 910
Colorado Springs, CO80903-2200
Approved

Apr 9, 2020

Forgiven

$117,076

Jobs Reported

10

Loan #

9621427006

Loan Size

Small

Sky 5 Cleaning Systems INC

Corporation

$14,618 Paid in Full
Address:
102 S Tejon St
Colorado Springs, CO80903-2231
Approved

Apr 29, 2021

Forgiven

$14,668

Jobs Reported

2

Loan #

4716068905

Loan Size

Small

Wealth Enhancement & Preservation

Limited Liability Company(LLC

$7,550 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2253
Approved

Mar 13, 2021

Forgiven

$7,629

Jobs Reported

1

Loan #

1622018602

Loan Size

Small

Linda D Buckley Cpa PC

Subchapter S Corporation

$32,953 Paid in Full
Address:
102 S Tejon St Ste 510 Suite 510
Colorado Springs, CO80903-2236
Approved

Mar 16, 2021

Forgiven

$33,222

Jobs Reported

3

Loan #

3345568603

Loan Size

Small

Bobby Stutzman

Sole Proprietorship

$20,832 Exemption 4
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2200
Approved

Jan 26, 2021

Jobs Reported

1

Loan #

6067158307

Loan Size

Small

Colorado Injury Law Center PLLC

Subchapter S Corporation

$35,600 Exemption 4
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2253
Approved

Jan 16, 2021

Jobs Reported

3

Loan #

1266848302

Loan Size

Small

Xponents LLC

Limited Liability Company(LLC

$14,285 Exemption 4
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2253
Approved

May 13, 2021

Jobs Reported

1

Loan #

1482979002

Loan Size

Small

On Site Computer And Network Support LLC

Limited Liability Company(LLC

$32,348 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2253
Approved

Feb 8, 2021

Forgiven

$32,516

Jobs Reported

3

Loan #

5329938410

Loan Size

Small

Rwl Services INC

Corporation

$29,351 Paid in Full
Address:
102 S Tejon St Ste 510
Colorado Springs, CO80903-2236
Approved

Jan 23, 2021

Forgiven

$29,475

Jobs Reported

2

Loan #

4636708308

Loan Size

Small

Transportgrid LLC

Corporation

$51,803 Paid in Full
Address:
102 S Tejon St
Colorado Springs, CO80903-2231
Approved

Mar 10, 2021

Forgiven

$51,817

Jobs Reported

4

Loan #

8972188500

Loan Size

Small

Esohe Igbinedion

Sole Proprietorship

$8,990 Exemption 4
Address:
102 S Tejon St Ste 1050
Colorado Springs, CO80903-2292
Approved

Apr 28, 2021

Forgiven

$9,111

Jobs Reported

1

Loan #

4156598901

Loan Size

Small

Pikes Peak Outdoor Recreation Alliance

Non-Profit Organization

$9,657 Paid in Full
Address:
102 S Tejon St #430
Colorado Springs, CO80903-2200
Approved

Apr 13, 2020

Forgiven

$9,723

Jobs Reported

2

Loan #

5097137105

Loan Size

Small

In A Pinch Limited

Sole Proprietorship

$3,805 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2253
Approved

Apr 20, 2021

Forgiven

$3,818

Jobs Reported

1

Loan #

6549938809

Loan Size

Small

Micheal J Harris Attorney At Law

Sole Proprietorship

$5,000 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903
Approved

May 6, 2020

Forgiven

$5,055

Jobs Reported

1

Loan #

3052277403

Loan Size

Small

Mercer Wealth Management

Subchapter S Corporation

$10,000 Paid in Full
Address:
102 S Tejon St Ste 500
Colorado Spgs, CO80903-2236
Approved

Mar 12, 2021

Forgiven

$10,029

Jobs Reported

1

Loan #

9167468503

Loan Size

Small

Luxury Transport LLC

Sole Proprietorship

$20,833 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2253
Approved

Apr 3, 2021

Forgiven

$20,925

Jobs Reported

1

Loan #

5862198705

Loan Size

Small

Fifty States Half Marathon Club LLC

Limited Liability Company(LLC

$6,012 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2253
Approved

Jan 30, 2021

Forgiven

$6,064

Jobs Reported

1

Loan #

9252208304

Loan Size

Small

Bays Real Estate CORP

Subchapter S Corporation

$21,712 Paid in Full
Address:
102 S Tejon St Ste 100
Colorado Springs, CO80903
Approved

May 1, 2020

Forgiven

$21,921

Jobs Reported

2

Loan #

1143627702

Loan Size

Small

Lou Engle Ministries

501(c)3 – Non Profit

$60,232 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2253
Approved

Mar 10, 2021

Forgiven

$60,562

Jobs Reported

4

Loan #

8779438501

Loan Size

Small

Touchphrase Development, LLC

Limited Liability Company(LLC

$162,400 Paid in Full
Address:
102 S Tejon St
Colorado Springs, CO80903
Approved

Apr 28, 2020

Forgiven

$163,699

Jobs Reported

7

Loan #

7850607202

Loan Size

Medium

Jose Cos

Sole Proprietorship

$20,833 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2200
Approved

Apr 24, 2021

Forgiven

$20,940

Jobs Reported

1

Loan #

9932548806

Loan Size

Small

Right Law Group PC

Subchapter S Corporation

$33,489 Exemption 4
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903
Approved

Apr 30, 2020

Jobs Reported

5

Loan #

5322317304

Loan Size

Small

Kairos Global

501(c)3 – Non Profit

$202,900 Paid in Full
Address:
102 S Tejon St Ste 1100
Colorado Springs, CO80903-2200
Approved

Jan 23, 2021

Forgiven

$204,264

Jobs Reported

47

Loan #

4748078303

Loan Size

Medium

Colorado Springs Legal Copy LLC

Limited Liability Company(LLC

$13,855 Paid in Full
Address:
102 S Tejon St Ste 860
Colorado Springs, CO80903-2239
Approved

Jan 30, 2021

Forgiven

$13,990

Jobs Reported

2

Loan #

8919678310

Loan Size

Small

Dtj Lawn Care And Professional Cleaning LLC DBA Building You

Limited Liability Company(LLC

$130,000 Exemption 4
Address:
102 S Tejon St # 110
Colorado Springs, CO80903-2200
Approved

May 7, 2021

Jobs Reported

10

Loan #

7199958906

Loan Size

Small

Perkins Law, PLLC

Limited Liability Company(LLC

$38,760 Paid in Full
Address:
102 S Tejon St Ste 1050
Colorado Springs, CO80903-2200
Approved

May 27, 2020

Forgiven

$39,168

Jobs Reported

4

Loan #

4087797803

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 33 PPP loan records are linked to businesses associated with Roberta Early. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Roberta Early on the map

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Found 34 results across 12 states

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Roberta Early in Naples, FL: Background Summary

Location
3093 52nd St SW, Naples, FL 34116
Other Locations
Waterford, MI · Jacksonville, FL · Norfolk, VA and 9 more
Profiles Found
19 people with this name
Phone Numbers
(941) 353-4003 and 9 others on file
Email
bobbie522005@yahoo.com and 1 other on file
Possible Relatives
John James Early, Kimberly M Early, John Early, Shaun Patrick Early, Eugene Early and 1 more
Career
Boscobel Utilities
Voter Registration
Registered Republican
Properties
2properties owned
Vehicles
3 linked — 2005 Chevrolet Uplander, 2011 Chevrolet Equinox and 1 more
PPP Loans
$1402K for Smart Choice Flooring LLC, Gaddis Law, LLC

This information is compiled from publicly available records and may include data for multiple individuals with similar names. Data may contain inaccuracies or be incomplete. This information should not be used for employment screening, tenant screening, credit decisions, or any purpose covered by the Fair Credit Reporting Act (FCRA). Always verify information independently before making any decisions.

How to Read This Report

This page aggregates publicly available records from government agencies, court systems, and official registries into a single report for Roberta Early. Because public records are indexed by name rather than by a unique identifier, the 75 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.

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 Roberta Early

Search Complexity: High

75 public records across 12states, belonging to approximately 19 different individuals. With 19 distinct profiles across 12 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Property Ownership Records section may be most helpful for disambiguation because these records list property addresses and co-owners, which can help distinguish between individuals.

Geographic Distribution

Records are widely distributed across 12 states. Highest concentration: Florida (19%), followed by Pennsylvania and Illinois. Spans the South and Northeast regions.

FL14recordsPA5recordsIL3recordsMI2recordsWI2recordsVA2records

Record Type Breakdown

Data spans 6 record categories. Largest: PPP Loan Records (49%), which are tied to specific businesses and addresses. Also includes Contact & Address Records (23) and Property Ownership Records (3).

33
PPP Loan Records
23
Contact & Address Records
3
Property Ownership Records
3
Vehicle Registration Records
3
Business & Corporate Filings
2
Voter Registration Records

Age Distribution

Age range: approximately 63 years, suggesting multiple generations. Largest group: Senior (65+) (40%).

Senior (65+)4peopleMiddle-Age (40-64)5peopleYounger Adult (25-39)1person

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

Frequently Asked Questions About Roberta Early

Is Roberta Early a registered voter?
Yes, voter registration records show Roberta Early is registered in Pennsylvania with R affiliation. We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Roberta Early own property?
County assessor records show 3 properties associated with Roberta Early . 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 Roberta Early?
Records show 3 vehicle registrations associated with Roberta Early, including a 2005 Chevrolet Uplander. Registered makes include Chevrolet, Chrysler. 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 Roberta Early?
We found 3 business affiliations for Roberta Early, including Boscobel Utilities. Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Roberta Early?
Our database contains 75 total records for Roberta Early spanning 12 states. This includes 19 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 Roberta Early?
The 75 records displayed for Roberta Early 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 Roberta Early 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.