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Ms Sylvia Thomas Bowden from Palmdale, CA

Age 97 b. 10/2/1928
📍 38601 10th E St, Apt 230, #palmdale, CA 93550-2810
📞 (661) 266-4340, (518) 731-9451, (661) 254-4992
✉️ fomibow@earthlink.net, sylvia.bowden@gateway.net, tomibow@earthliiink.net, tomibow@earthlink.net, tomibow@aol.com
🕐 10 previous addresses

Sylvia Bowden

Age 97 b. 1928-10-02
📍 38601 10th St E Apt 230, Palmdale Ca
📞 (661) 433-0311, (661) 433-0607
✉️ TEAMCALLAHAN2008@ATT.NET, teamcallahan2008@att.net

Sylvia A Bowden Jr from Fayetteville, NC

Age 75 b. 4/23/1950
📍 199 Sally Hill Cir, #fayetteville, NC 28306-7105
👨‍👩‍👧 Relatives: Amy T Bowden,Billy Ray Barefoot,Chad A Bowden,Jason Todd Bowden,Madgline H Barefoot,Woodrow M Bowden,Woodrow M Bowden Jr,Alison Travis Decinti,Andrea T Wilcox,B Renae Barefoot,Bill Barefoot,Billie Renae Ramthun,Caroline P Hargett,Charles L Travis,Dan J Hargett,Danna Lynn Hargett,Jason Bowden,Jennifer B Hannum,Jimmie Ann Barefoot,Kellyn C Hargett,Lauren E Stewart,Mairiam F Travis,Patricia A Travis,Randy K Travis,Sean D Hargett,Spencer T Ramthun,Thomas H Ramthun,Wanda L Hargett,Amy L Stewart,Anita W Hargett,Bryan W Hannum,Danny S Stewart Jr,Donny L Hannum,Elizabeth E Hannum,Georgia C Ramthun,Harold W Ramthun,Janice M Williams,Jason H Monk,John J Zokovitch 3rd,Marion D Poole,Mark W Wilcox,Michael J Decinti,Patricia R Stewart,Patricia A Travis,Phyllis Jo Stewart,Robert Edward Eon,Robert B Eon Jr,Teresa Ramthun Zokovitch,Travis L Simpson,Wade S Hannum
🕐 12 previous addresses

Sylvia Bowden from Roxbury, MA

Age 36
📍 13 Putnam St, Roxbury, MA 02119
📞 (617) 312-3931, (617) 445-4888
👨‍👩‍👧 Relatives: David C Bowden,Samuel L Bowden,Sonja M Schitter,Sonja M Bowden,Donna Bowden

Sylvia Bowden from Roxbury, MA

Age 101 b. Nov 1924 Suffolk Co.
📍 13 Putnam St Apt 1
📞 (617) 445-4888, (617) 312-3931

Sylvia Bowden from Boston, MA

Age 89
📍 13 Putnam St, Boston, MA 02128
📞 (617) 445-4888, (617) 445-4888, (617) 445-4882
👨‍👩‍👧 Relatives: Sm Bowden

Sylvia Bowden from Fayetteville, NC

Age 75 b. Apr 1950 Cumberland Co.
📍 199 Sally Hill Cir
📞 (910) 425-6902

Sylvia Bowden from Perkinsville, VT

Age 69 b. Nov 1956 Windsor Co.
📍 140 Soaring Pines Dr
📞 (802) 263-5718

Sylvia Bowden from Gadsden, AL

Age 76
📍 409 Madison Cir, Gadsden, AL 35904
📞 (256) 543-1661, (256) 543-1661, (205) 655-8477
👨‍👩‍👧 Relatives: Sherranna L Gunnells,Lee E Bowden

Sylvia Bowden

📍 Po Box 222, Craigsville Va
📞 (540) 416-3183, (540) 292-4502
✉️ RANDOZZO70@GMAIL.COM

Sylvia Bowden

📍 70 Kunkle Tanyard, Craigsville Va 24430
📞 (540) 416-3183, (540) 292-4502
✉️ RANDOZZO70@GMAIL.COM

Sylvia Bowden from Craigsville, VA

Age 78 b. Sep 1947 Augusta Co.
📍 Po Box 222
📞 (910) 488-4760

Sylvia Bowden from Sanford, NC

Age 71 b. Sep 1954 Lee Co.
📍 2224 Eveton Ln
📞 (919) 776-8710

Sylvia Bowden from Bristol, VA

Age 79 b. 1947 Bristol Co.
📍 412 Glenway Ave
📞 (276) 466-9189

Sylvia Bowden from Gadsden, AL

Age 88 b. Feb 1938 Etowah Co.
📍 409 Madison Cir
📞 (256) 543-1661

Sylvia Bowden from Littleton, NC

Age 82 b. Jun 1943 Halifax Co.
📍 104 Roanoke Ave
📞 (252) 586-2496

Sylvia Bowden from Gadsden, AL

Age 87 b. Jun 1938 Etowah Co.
📍 1019 Scenic Dr
📞 (605) 996-1631

Sylvia Bowden from Trenton, NJ

0
📍 14 Soloff Dr, Trenton, NJ 08610
👨‍👩‍👧 Relatives: Keneth Bowden

Sylvia Bowden from South Lyon, MI

Age 92 b. 1934 Female
📍 9493 Firwood Rd
📞 (248) 437-6658

Sylvia Bowden from Hernando, FL

Age 75 b. Dec 1950 Citrus Co.
📍 804 N Bennington Te

Sylvia Bowden from Dunn, NC

Age 58 b. 1968 Harnett Co.
📍 32 Katie Tart Ln

Sylvia Bowden from Palmdale, CA

Age 97 b. Oct 1928 Los Angeles Co.
📍 38601 10th St 230
👤 aka Bowden Sylvia

Sylvia Bowden from South Lyon, MI

Age 91 b. Jun 1934 Oakland Co.
📍 9493 Firwood Rd R 3
👤 aka Bowden Sylvia Jane

Sylvia Bowden from Mobile, AL

0
📍 3800 Michael Blvd, Mobile, AL 36609

Sylvia Bowden from Chickasaw, AL

0
📍 111 6th Ave, Chickasaw, AL 36611

Sylvia Bowden from Fayetteville, NC

Cumberland Co.
📍 2130 Tina Dr
📞 (630) 665-9169

Sylvia Bowden from Chester, VT

📍 Rr 1 Po Box 104
📞 (707) 425-9162

Sylvia Bowden from Bassett, VA

Henry Co.
📍 423 Lakeview Ln
📞 (276) 629-8398

Sylvia Bowden from Bristol, VA

Washington Co.
📍 9154 Reedy Creek Rd
📞 (530) 544-9282

Sylvia Bowden from Canyon Country, CA

Age 98 b. 1928 Female
📍 27217 Lancebrook Dr
💼 2710

Sylvia Bowden from Climax, NY

Greene Co.
📍 66 Bronk Millrd 83

Sylvia Bowden from Littleton, NC

Halifax Co.
📍 1159 Baker Rd

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 32 contact records for Sylvia Bowden across 10 states. The most recent address on file is in Roxbury, Massachusetts. Of these records, 22 include phone numbers and 4 include email addresses. Ages range from 36 to 89, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Bowden Sylvia

Suffolk County
PIN: 903256050
· Putnam St, Boston ma
Built: 0.0
Assessed: $11,000

Bowden Sylvia

Suffolk County
PIN: 903262001
· Rear Putnam St, Boston ma
Built: 0.0
Assessed: $1,800

Bowden Sylvia

St-clair County
PIN: 704200000007000
· 0
Lot: 351,310sqft

Bowden, Sylvia

Livingston County
PIN: 16-21-201-029
· 9493 Firwood Rd
Lot: 7,949sqft

Bowden, Sylvia

Livingston County
PIN: 16-21-201-038
· Firwood Rd
Lot: 4,953sqft

Bowden Sylvia

Suffolk County
PIN: 903258000
· 15 Putnam St, Boston ma
Built: 1860.0
Assessed: $296,200

Bowden Sylvia

Suffolk County
PIN: 903257000
· 13 Putnam St, Boston ma
Built: 1860.0
Assessed: $261,000

Bowden Sylvia

St-clair County
· 0, Ashville

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 8 property records linked to Sylvia Bowden in Ashville. Values shown are from county assessor records and may differ from current market prices.

Sylvia Shirley Bowden

Democrat
13709 Wendover Rd, Silver Spring, MD, 20904
Gender: Female
County: Montgomery

sylvia MINGIA bowden

Democrat Reg: 10/04/1986
120 Shore Lake Dr #j, Greensboro, NC, 27455
DOB: 1949 Gender: Female
County: Guilford

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Sylvia Bowden in Maryland, North Carolina. Party affiliation is listed as DEM. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2006 Nissan Murano
· Registered to: Sylvia Bowden
· VIN: JN8AZ08W86W510626
·
18 Sidney Marie Ct, Greensboro, NC, 27407
2018 SUBARU CROSSTREK
· Registered to: Sylvia Bowden
· VIN: JF2GTACC4JH348437
·
1 Langdon St # 202, Madison, WI, 53703

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 2 vehicle registration records are associated with Sylvia Bowden. Registered makes include Nissan, Subaru. 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.

Business Record

Greensboro,

CapitalStackers

Sylvia BowdenDirector at CapitalStackers
Harrogate,
LinkedIn

Sylvia Bowden

Owner
Safehaven
Bay Of Plenty
LinkedIn

Sylvia Bowden

Owner
(919) 775-7209sylviab127330@yahoo.com
2224 Eveton Lane, Sanford, NC27330
funmilayo.com

Sylvia Bowden

United States

Sylvia Bowden

Owner
(919) 775-7209sylviab127330@yahoo.com
2224 Eveton Lane, Sanford, NC27330

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 10 business affiliations were found for Sylvia Bowden. Roles listed include Null and Director at CapitalStackers. Records are compiled from state business registries, SEC filings, and professional networking databases.

Bristol Outreach, Inc.

Addr: VA
VA
PRESIDENT: Sylvia Bowden

Unknown Corporation

PRESIDENT: Sylvia Elizabeth Bowden

Source: Public Records Sylvia Bowden appears in 2 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Sylvia Bowden

Columbia High School - Lake City, FL, FL
1982

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Sylvia Bowden 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.

$100 Nov 15, 2007
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$50 Feb 14, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$200 Jun 30, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia IT @ Montgomery County Public Schools Silver Spring, MD
$100 Feb 7, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$100 Dec 4, 2007
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$50 Jan 10, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$100 Oct 17, 2007
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$100 Jan 8, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$50 Jul 31, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$100 Mar 31, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$50 Sep 19, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$50 Mar 26, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$25 Jan 9, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$100 Jan 30, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$25 Feb 8, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$25 Feb 20, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$50 Jan 31, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$24 Dec 14, 2007
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$20 Feb 18, 2008
2008
Perdue, Bev
Bowden, Sylvia M Greensboro, NC
$100 Jan 24, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$50 Mar 5, 2008
2008 DEM
Obama, Barack
Bowden, Sylvia It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$100 Jan 30, 2008
DEM
Obama, Barack
Contributor It Systems Specialist @ Montgomery County Public Schools Silver Spring, MD
$200 Jun 30, 2008
Unknown Committee
Bowden, Sylvia IT Systems Specialist @ Montgomery County Public Schools Silver Spring, MD

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 23 political contribution records found for Sylvia Bowden. Total disclosed contributions amount to $1,769. Recipients include Obama, Barack. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Sylvia T Bowden

Age 88 Female
·
38601 10th St E, Palmdale, CA 93550 (Los Angeles County)
34.5845, -118.1120
· (661) 266-4340
TZ: Pacific
Multi-Family
MP

Sylvia M Bowden

Age 61 Female
·
PO Box 7063, Greensboro, NC 27417 (Guilford County)
36.0681, -79.9519
Marital: Married TZ: Eastern
Multi-Family
MP

Sylvia B Bowden

Age 69 Female
·
PO Box 222, Craigsville, VA 24430 (Augusta County)
38.1048, -79.3331
Marital: Married TZ: Eastern
Edu: Some College
Homeowner
MP

Sylvia J Bowden

Age 83 Female
·
9493 Firwood Rd, South Lyon, MI 48178 (Oakland County)
42.4666, -83.7268
· (248) 437-6658
Marital: Married TZ: Eastern
Occ: Healthcare Edu: High School
Homeowner Single Family Built 1966
MP

Sylvia S Bowden

Age 67 Female
·
1 Langdon St, Madison, WI 53703 (Dane County)
43.0787, -89.3896
· (240) 535-6396
TZ: Central
Multi-Family
MP

Sylvia E Bowden

Age 70 Female
·
412 Glenway Ave, Bristol, VA 24201 (Bristol City County)
36.6118, -82.1810
· (540) 466-9189
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1976 Purchased 2002

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 6 demographic profiles associated with Sylvia Bowden. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find Sylvia Bowden on the map

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Found 62 results across 13 states

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Sylvia Bowden in CA: Background Summary

Location
38601 10th E St, APT 230 Palmdale, CA 93550-2810
Other Locations
Roxbury, MA · Fayetteville, NC · Perkinsville, VT and 13 more
Profiles Found
32 people with this name
Phone Numbers
(661) 266-4340 and 22 others on file
Email
fomibow@earthlink.net and 6 others on file
Possible Relatives
Amy T Bowden, Billy Ray Barefoot, Chad A Bowden, Jason Todd Bowden, Madgline H Barefoot and 53 more
Career
Director at CapitalStackers, Owner
Voter Registration
Registered Democrat
Properties
8properties owned
Vehicles
2 linked — 2006 Nissan Murano, 2018 Subaru Crosstrek
Contributions
$1,769 total — Obama, Barack

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 Sylvia Bowden. 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 Sylvia Bowden

Search Complexity: High

98 public records across 13states, belonging to approximately 32 different individuals. With 32 distinct profiles across 13 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the 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 13 states. Highest concentration: North Carolina (15%), followed by Massachusetts and Virginia. Spans the South and Northeast regions.

NC15recordsMA11recordsVA9recordsCA6recordsAL5recordsMD3records

Record Type Breakdown

Data spans 7 record categories. Largest: Contact & Address Records (48%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (23) and Business & Corporate Filings (10).

44
Contact & Address Records
23
Political Contribution Records
10
Business & Corporate Filings
8
Property Ownership Records
2
Voter Registration Records
2
Vehicle Registration Records

Age Distribution

Age range: approximately 66 years, suggesting multiple generations. Largest group: Senior (65+) (83%).

Senior (65+)10peopleMiddle-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 Sylvia Bowden

Is Sylvia Bowden a registered voter?
Yes, voter registration records show Sylvia Bowden is registered in Maryland with DEM affiliation. We found 2 voter registration entries across 2 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Sylvia Bowden own property?
County assessor records show 8 properties associated with Sylvia Bowden . 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 Sylvia Bowden?
Records show 2 vehicle registrations associated with Sylvia Bowden, including a 2006 Nissan Murano. Registered makes include Nissan, Subaru. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
What businesses are associated with Sylvia Bowden?
We found 10 business affiliations for Sylvia Bowden (null). Business records are compiled from state registries, SEC filings, and professional databases.
Has Sylvia Bowden made political donations?
FEC disclosure records show 23 reported political contributions from Sylvia Bowden, totaling $1,769. Recipients include Obama, Barack. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Sylvia Bowden?
Our database contains 98 total records for Sylvia Bowden spanning 13 states. This includes 32 distinct contact records, 22 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 Sylvia Bowden?
The 98 records displayed for Sylvia Bowden 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 Sylvia Bowden 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.