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Ruth Sperry from Westfield, MA

Age 84
📍 5 2nd Ave, Westfield, MA 01085
📞 (413) 562-1256, (413) 562-1256, (863) 683-9838, (413) 568-9787
✉️ dparent41@aol.com
👨‍👩‍👧 Relatives: Frank S Sperryjr,Donald Sperry,Frank Sperry

Ruth Sperry from Madison, AL

Age 92 b. 1934 Female
📍 107 High Green Dr
📞 (317) 727-3038 (Cell)
✉️ ruthiesperry555@gmail.com

Ruth Sperry from Meridian, ID

Age 70 b. Mar 1956 Ada Co.
📍 1623 E Borzoi Ct
📞 (631) 696-4842, (916) 723-6833

Ruth Sperry from Coulterville, CA

Age 102 b. May 1923 Mariposa Co.
📍 10438 Violetta Wa
📞 (209) 852-2788, (775) 882-9306

Ruth Sperry from Spring Valley, CA

Age 118 b. Jun 1907 San Diego Co.
📍 10767 Jamacha Blvd 18043
📞 (619) 462-8940

Ruth Sperry from North Kingstown, RI

Age 78 b. May 1947 Washington Co.
📍 20 Lang Dr
📞 (401) 294-9436

Ruth Sperry from Aliquippa, PA

Age 105 b. Oct 1920 Beaver Co.
📍 401 Carmel Dr
📞 (724) 378-2724

Ruth Sperry from Chester, MA

Age 96 b. Mar 1930
📍 102 Chester Commons
📞 (208) 478-2694

Ruth Sperry from Turlock, CA

Age 99 b. Dec 1926 Stanislaus Co.
📍 1234 Edwards Dr
📞 (209) 632-2027

Ruth Sperry from Dundalk, MD

Age 71
📍 1704 Holaview Rd #b3, Dundalk, MD 21222
📞 (410) 285-7612
👨‍👩‍👧 Relatives: David Lee Sperry,Gail E Sperry

Ruth Sperry

📍 8716 Territorial, Evansville Wi 53536
📞 (608) 882-4841, (608) 921-4841
✉️ ERSPERRY@LITEWIRE.NET

Ruth Sperry

📍 8716 N Territorial Rd, Evansville Wi
📞 (608) 882-4841, (608) 921-4841
✉️ ERSPERRY@LITEWIRE.NET

Ruth Sperry from Fort Dodge, IA

Age 104 b. 1922 Webster Co.
📍 1856 8 1/2 Ave N
📞 (515) 576-3564

Ruth Sperry from Westfield, MA

Age 99 b. Dec 1926 Hampden Co.
📍 324 Russell Rd Apt 116
📞 (413) 562-1256

Ruth Sperry from Roseville, CA

Age 70 b. Mar 1956 Placer Co.
📍 607 Heartland Ct
📞 (916) 723-6833
👤 aka Ruthanne Sperry

Ruth Sperry from San Leandro, CA

Aug 1900 Alameda Co.
📍 2134 Twaine Cir
📞 (813) 634-1821

Ruth Sperry from Cambridge, OH

Age 97 b. Jun 1928 Guernsey Co.
📍 65749 N 77 Dr
📞 (602) 833-6428

Ruth Sperry from Wolcott, NY

Age 65 b. Sep 1960 Wayne Co.
📍 5931 5th Rd
📞 (315) 587-2831

Ruth Sperry from Morristown, TN

Age 79 b. Jul 1946 Hamblen Co.
📍 1002 Cleveland Ave
📞 (770) 978-6527
👤 aka Ruth L Mullins, Sperry Ruth Mullins

Ruth Sperry from Rupert, ID

Age 69 b. Nov 1956 Minidoka Co.
📍 377 S 200 W
📞 (361) 758-4087

Ruth Sperry from Paradise, CA

Age 102 b. Mar 1923 Butte Co.
📍 Po Box 515
📞 (530) 872-3516

Ruth Sperry from Evansville, WI

Age 82 b. Jul 1943 Rock Co.
📍 8716 N Territorial Rd
📞 (608) 882-4841

Ruth Sperry from Cody, WY

Age 102 b. 1924 Park Co.
📍 1001 11th St Apt 116
📞 (307) 527-4056

Ruth Sperry from Overland Park, KS

Age 67 b. 1959 Johnson Co.
📍 5916 W 101st St
📞 (913) 825-6983

Ruth Sperry from Steubenville, OH

Age 90 b. Dec 1935 Jefferson Co.
📍 1600 Pershing Ave
📞 (740) 283-1603

Ruth Sperry from Henderson, NV

Female
📍 79 Constitution Ave.
📞 (702) 349-4983 (SPRINT)

Ruth Sperry from Castro Valley, CA

Age 93 b. 1933 Female
📍 18874 Walnut Rd
📞 (510) 889-8758

Ruth Sperry from Prairie Village, KS

Age 64 b. Sep 1961 Johnson Co.
📍 2100 W 74th St

Ruth Sperry from Doraville, GA

Age 102 b. Jun 1923 Dekalb Co.
📍 2680 Addison Dr

Ruth Sperry from Meyersdale, PA

Age 46 b. Sep 1979 Somerset Co.
📍 152 Large St 14

Ruth Sperry from Henderson, NV

Age 69 b. Jun 1956 Clark Co.
📍 501 E Lake Mead Pkwy

Ruth Sperry from Everett, PA

Age 34
📍 55 Providence St, Everett, PA 15537

Ruth Sperry from Prairie Village, KS

Johnson Co.
📍 2600 Verona Rd
📞 (913) 362-6716

Ruth Sperry from Bozeman, MT

Gallatin Co.
📍 2209 Fairway Dr

Ruth Sperry from Cody, WY

Park Co.
📍 1231 Rumsey Ave 2

Ruth Sperry from Fort Dodge, IA

Webster Co.
📍 1856 N Avenue 8

Ruth Sperry from Mesa, AZ

Maricopa Co.
📍 1550 E Clover

Ruth Sperry from Howe, IN

Lagrange Co.
📍 3975 N 720 E

Ruth Sperry from Carson City, NV

Carson City Co.
📍 3439 Sherman Ln

Ruth Sperry from Salt Lake Cty, UT

Salt Lake Co.
📍 2223 Carriage Ln Apt 46

Ruth Sperry from Bozeman, MT

Gallatin Co.
📍 2209 Fairway Dr C

Ruth Sperry from Carmel, IN

Hamilton Co.
📍 1134 Indian Trail Dr

Ruth Sperry

📍 1 Evansville Wi Po Box 1

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 43 contact records for Ruth Sperry across 20 states. The most recent address on file is in Madison, Alabama. Of these records, 28 include phone numbers and 4 include email addresses. Ages range from 34 to 84, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Ruth K Sperry

Republican Reg: 06/02/1951
2442 Masonic Dr, Sewickley, PA, 15143
DOB: 10/12/1920 Gender: Female

Ruth Irene Sperry

Gender: F

Ruth A Sperry

BLK
5931 5th Rd, 0, 14590
DOB: 19600909 Gender: Female

Ruth K Sperry

2442 Masonic Dr
DOB: 10/12/1920 Gender: Female

Ruth A Sperry

20 Lang Dr, North Kingstown, 02852

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 5 voter registration records were found for Ruth Sperry in Pennsylvania. Records show affiliations with R, BLK, 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.

2007 CHEVROLET COBALT CAR BASIC ECONOMY
· Registered to: Ruth Sperry
· VIN: 1G1AK55F977246810
·
377 S 200 W Trlr 30, Rupert, ID, 83350
2010 FORD FOCUS CAR BASIC ECONOMY
· Registered to: Ruth Sperry
· VIN: 1FAHP3FN9AW299382
·
1600 Pershing Ave, Steubenville, OH, 43952
·
(740) 283-1603
2002 OLDSMOBILE SILHOUETTE MINIVAN PASSENGER
· Registered to: Ruth Sperry
· VIN: 1GHDX03E72D303349
·
8716 N Territorial Rd, Evansville, WI, 53536
·
(608) 882-4841
2002 LEXUS RX 300
· Registered to: Ruth Sperry
· VIN: JTJGF10U020144671
·
20 Lang Dr, North Kingstown, RI, 02852
·
(401) 294-9436
· Registered to: Ruth Sperry
·
226 Shady Ln, Lavalette, WV, 25535
·
(304) 697-0517

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 5 vehicle registration records are associated with Ruth Sperry. Registered makes include Chevrolet, Ford, Oldsmobile, Lexus and others. The most recent model year on record is 2010. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Ruth Sperry

Wisconsin
LinkedIn

Leoterra Llc

Ruth SperryLayer
(702) 349-8327michelle1@lyonbakery.com
79 Constitution Ave., Henderson, NV89015

Danee Ritz Salon & Spa

Ruth SperrySales Customer
michelle1@centurytel.net
79 Constitution Ave., Henderson, NV89015
daneeritzsalon.com

Ruth Sperry

United States

Crabby Bob's Seafood Grill

Ruth SperryCaptain
(702) 349-8327rmscissy1@aol.com
79 Constitution Ave., Henderson, NV89015

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 9 business affiliations were found for Ruth Sperry. Companies include Leoterra Llc, Crabby Bob's Seafood Grill. Roles listed include Layer and Sales Customer. Records are compiled from state business registries, SEC filings, and professional networking databases.

Sperry, Ruth

Addr: 1222 2nd Ave So, Fort Dodge, IA
IA

Sperry, Ruth

Addr: 1222 2nd Ave So, Fort Dodge, IA
IA

Sperry, Ruth

Addr: 1222 2nd Ave So, Fort Dodge, IA
IA

Sperry, Ruth

Addr: 1222 2nd Ave So, Fort Dodge, IA
IA

Source: Public Records Ruth Sperry appears in 4 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Ruth Sperry

North Rose-Wolcott High School - Wolcott, NY, NY
1978

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Ruth Sperry 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 Sep 16, 1980
1980 UNK
National Conservative Political Action Committee
Sperry, Ruth I Pharmasetical Shawnee Mission, KS
$250 Jun 30, 1994
1994 REP
Shadegg, John Barden
Sperry, Ruth I Retired Scottsdale, AZ
$250 Jun 30, 1994
REP
Shadegg, John Barden
Contributor Retired Scottsdale, AZ

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 3 political contribution records found for Ruth Sperry. Total disclosed contributions amount to $1,000. Recipients include Shadegg, John Barden. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Ruth C Sperry

Age 84 Female
·
23 Briarwood Ct, Brentwood, CA 94513 (Contra Costa County)
37.9293, -121.7172
· (925) 634-6221
Marital: Married TZ: Pacific
Occ: Professional Edu: High School
Homeowner Single Family Built 1983 Purchased 2005
MP

Ruth E Sperry

Age 87 Female
·
324 Russell Rd, Westfield, MA 01085 (Hampden County)
42.1278, -72.7781
· (413) 562-1256
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Multi-Family Built 1969 Purchased 2007
MP

Ruth Sperry

Age 71 Female
·
2537 Shields Ferry Rd, Morristown, TN 37814 (Hamblen County)
36.2450, -83.2956
Marital: Single TZ: Eastern
Single Family
MP

Ruth E Sperry

Age 90 Female
·
999 Avenue G, Powell, WY 82435 (Park County)
44.7557, -108.7720
Marital: Single TZ: Mountain
Occ: Professional Edu: High School
Single Family
MP

Ruth A Sperry

Age 94 Female
·
6674 Pentz Rd, Paradise, CA 95969 (Butte County)
39.7778, -121.5800
Marital: Married TZ: Pacific
Occ: Professional Edu: High School
Homeowner Multi-Family
MP

Ruth A Sperry

Age 57 Female
·
913 E 300 N, Declo, ID 83323 (Cassia County)
42.4886, -113.6090
Marital: Married TZ: Mountain
Occ: Service Industry Edu: High School
Homeowner Single Family Built 1974
MP

Ruth A Sperry

Age 70 Female
·
20 Lang Dr, N Kingstown, RI 02852 (Washington County)
41.5791, -71.5074
· (401) 497-7008
Marital: Married TZ: Eastern
Edu: Graduate School
Homeowner Single Family Built 1997 Purchased 1998
MP

Ruth A Sperry

Age 56 Female
·
5931 5th Rd, Wolcott, NY 14590 (Wayne County)
43.2182, -76.8797
· (315) 587-2831
Marital: Married TZ: Eastern
Occ: Professional Edu: High School
Homeowner Single Family Built 1986 Purchased 1996
MP

Ruth Sperry

Female
·
2568 Monroe Hollow Rd, Oak Hill, OH 45656 (Jackson County)
38.8724, -82.6483
TZ: Eastern
Single Family
MP

Ruth Sperry

Age 94 Female
·
10438 Violetta Way, Coulterville, CA 95311 (Mariposa County)
37.7249, -120.3180
Marital: Married TZ: Pacific
Occ: Professional Edu: High School
Homeowner Single Family
MP

Ruth M Sperry

Age 61 Female
·
8663 Linden Dr, Neosho, MO 64850 (Newton County)
36.8700, -94.4845
Marital: Single TZ: Central
Single Family
MP

Ruth A Sperry

Age 31 Female
·
6 Campbell Ln, Barboursville, WV 25504 (Cabell County)
38.4059, -82.3181
· (304) 453-1709
Marital: Married TZ: Eastern
Homeowner Single Family Built 1962
MP

Ruth I Sperry

Age 98 Female
·
4800 Rainbow Blvd, Mission, KS 66205 (Johnson County)
39.0329, -94.6343
· (913) 362-6716
Marital: Married TZ: Central
Multi-Family
MP

Ruth Sperry

Age 39 Female
·
1608 Monroe Hollow Rd, Oak Hill, OH 45656 (Jackson County)
38.8673, -82.6375
TZ: Eastern
Edu: High School
Single Family
MP

Ruth J Sperry

Age 81 Female
·
1600 Pershing Ave, Steubenville, OH 43952 (Jefferson County)
40.3751, -80.6301
· (740) 283-1603
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1925
MP

Ruth K Sperry

Age 96 Female
·
2442 Masonic Dr, Sewickley, PA 15143 (Allegheny County)
40.5304, -80.1413
· (412) 741-5382
Marital: Married TZ: Eastern
Occ: Management Edu: High School
Single Family
MP

Ruth I Sperry

Age 83 Female
·
107 High Green Dr, Madison, AL 35757 (Madison County)
34.7797, -86.7390
Marital: Inferred Married TZ: Central
Homeowner Single Family Built 2015 Purchased 2015
MP

Ruth R Sperry

Age 90 Female
·
1234 Edwards Dr, Turlock, CA 95380 (Stanislaus County)
37.5042, -120.8290
· (209) 632-2027
Marital: Married TZ: Pacific
Homeowner Single Family Built 1951 Purchased 2000
MP

Ruth Sperry

Age 65 Female
·
103 Greenbriar Ln, Oak Ridge, TN 37830 (Anderson County)
35.9675, -84.3218
· (865) 482-0133
Marital: Single TZ: Eastern
Occ: White Collar Edu: High School
Homeowner Single Family Built 1974
MP

Ruth M Sperry

Age 74 Female
·
8716 N Territorial Rd, Evansville, WI 53536 (Rock County)
42.7980, -89.2750
· (608) 882-4841
Marital: Married TZ: Central
Occ: Professional Edu: High School
Homeowner Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 20 demographic profiles associated with Ruth Sperry. 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 Ruth Sperry. These loans were issued to businesses, not individuals.

Herndon Insurance Agency INC

Corporation

$34,400 Paid in Full
Address:
158 PO Box
Herndon, KS67739-0158
Approved

Apr 14, 2020

Forgiven

$34,722

Jobs Reported

3

Loan #

6864507105

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 1 PPP loan record is linked to businesses associated with Ruth Sperry. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Ruth Sperry on the map

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Found 90 results across 23 states

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Ruth Sperry in Westfield, MA: Background Summary

Location
5 2nd Ave,Westfield, MA 01085, Westfield, MA
Other Locations
Madison, AL · Meridian, ID · Coulterville, CA and 29 more
Profiles Found
43 people with this name
Phone Numbers
(413) 562-1256 and 26 others on file
Email
dparent41@aol.com and 2 others on file
Possible Relatives
Frank S Sperryjr, Donald Sperry, Frank Sperry, David Lee Sperry, Gail E Sperry
Career
Layer, Sales Customer at Leoterra Llc, Crabby Bob's Seafood Grill
Voter Registration
Registered Republican
Vehicles
5 linked — 2007 Chevrolet Cobalt, 2010 Ford Focus and 3 more
Contributions
$1,000 total — Shadegg, John Barden
PPP Loans
$34,400 for Herndon Insurance Agency INC

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

How to Read This Report

This page aggregates publicly available records from government agencies, court systems, and official registries into a single report for Ruth Sperry. Because public records are indexed by name rather than by a unique identifier, the 103 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

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 Ruth Sperry

Search Complexity: High

103 public records across 23states, belonging to approximately 43 different individuals. With 43 distinct profiles across 23 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 23 states. Highest concentration: California (16%), followed by Nevada and Pennsylvania. Spans the West and Midwest regions.

CA16recordsNV9recordsPA6recordsMA6recordsIA6recordsOH6records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (67%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Business & Corporate Filings (9) and Voter Registration Records (5).

55
Contact & Address Records
9
Business & Corporate Filings
5
Voter Registration Records
5
Vehicle Registration Records
4
Corporate Records
3
Political Contribution Records

Age Distribution

Age range: approximately 85 years, suggesting multiple generations. Largest group: Senior (65+) (90%).

Senior (65+)18peopleMiddle-Age (40-64)1personYounger Adult (25-39)1person

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

Frequently Asked Questions About Ruth Sperry

Is Ruth Sperry a registered voter?
Yes, voter registration records show Ruth Sperry is registered in Pennsylvania with R affiliation. We found 5 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
What vehicles are registered to Ruth Sperry?
Records show 5 vehicle registrations associated with Ruth Sperry, including a 2007 CHEVROLET COBALT. Registered makes include Chevrolet, Ford, Oldsmobile, Lexus. 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 Ruth Sperry?
We found 9 business affiliations for Ruth Sperry. Other companies include Crabby Bob's Seafood Grill. Business records are compiled from state registries, SEC filings, and professional databases.
Has Ruth Sperry made political donations?
FEC disclosure records show 3 reported political contributions from Ruth Sperry, totaling $1,000. Recipients include Shadegg, John Barden. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Ruth Sperry?
Our database contains 103 total records for Ruth Sperry spanning 23 states. This includes 43 distinct contact records, 28 with phone numbers, 4 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 Ruth Sperry?
The 103 records displayed for Ruth Sperry 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 Ruth Sperry 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.