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Toya Powell

Age 50 b. 1975-08-30
๐Ÿ“ 2705 37th Pl E Apt 102, Tuscaloosa Al
๐Ÿ“ž (205) 861-7937, (205) 233-5014, (111) 111-0001
โœ‰๏ธ TOYPOWELL@YAHOO.COM, toypowell@yahoo.com

Toya T Powell

๐Ÿ“ 1320 Jefferson Ave, Memphis Tn
๐Ÿ“ž (901) 725-7298, (901) 491-4110
โœ‰๏ธ TOYANUKENUT1@ATT.NET

Ms Toya S Powell from Flint, MI

Age 36 b. 7/16/1989
๐Ÿ“ 2028 Glendale Ave, #flint, MI 48503-2111
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Relatives: Plya Powell,Tavius Powell,Trenard T Powell,Tyree M Powell,Tyrone M Powell,Andrea Denise Powell,Damon S Powell,Darnell Powell Dejerry,Dee J Powell,Deonte E Powell,Eric D Powell,Ethel R Powell,Ethel R Powell,Holly L Spottsville,James W Powell,Jasemin Nicole Powell,Jocelyn Renee Powell,Kena Lashell Powell,Lenell Miller Jr,Lenell Powell,Michael Patrick Powell,Michael Laine Powell,Michael M Powell,Monica Powell,Natia T Powell,Sharon Ann Spottsville,Sherise Darnell Spottsville,Simone Spotts,Simone Spottsville,Simone S Spottsville,Wendylon M Powell,Brenda K Redwine,Jasmine Tierra Redwine,L V Redwine,L V Redwine,L V Redwine,L V Redwine,Lemail Q Redwine,Lv Redwine,Lv Redwine,Lv Redwine,Raymon L Spottsville,Rebecca D Nitz,Redwine V Lv,Rodney Loren Spottsville,Vondell Glyn Carter
๐Ÿ• 8 previous addresses

Toya Powell from Memphis, TN

Age 57
๐Ÿ“ 1320 Jefferson Ave #22, Memphis, TN 38104
๐Ÿ“ž (901) 725-7298, (901) 351-6065, (901) 725-7298
โœ‰๏ธ toyanukenut@worldnet.att.net

Toya Powell

Age 36 b. 1989-07-16
๐Ÿ“ 1402 Walnut Tier Dr, Flint Mi
๐Ÿ“ž (111) 111-0002
โœ‰๏ธ JONESKEISHA27@YAHOO.COM

Toya Powell from Tuscaloosa, AL

Age 47
๐Ÿ“ 2705 37th Pl E, Tuscaloosa, AL 35405
๐Ÿ“ž (205) 292-9953

Toya Powell

๐Ÿ“ 3008 Ridgecliffe Dr Unit 8, Flint Mi
๐Ÿ“ž (810) 391-6463
โœ‰๏ธ JONESKEISHA27@YAHOO.COM

Toya Powell from Antioch, TN

0000 U
๐Ÿ“ 3749 Grace Falls Dr
๐Ÿ“ž (615) 641-2068

Toya Powell from Richton Park, IL

Age 44 b. Aug 1981
๐Ÿ“ 22513 Jackson Ct Apt 3b
๐Ÿ‘ค aka Toya Iman Anderson-Powell, T Anderson, Toya Iman Ramey

Toya Powell from Columbus, OH

Age 73 b. Feb 1953 Franklin Co.
๐Ÿ“ 945 Atcheson St

Toya Powell from Huntsville, AL

0
๐Ÿ“ 4907 Cotton Row #c, Huntsville, AL 35816

Toya Powell from Tuscaloosa, AL

๐Ÿ“ 2705 37th Place East Apt.105
๐Ÿ“ž (205) 292-9953 (AT&T MOBILITY)

Toya Powell from Eutaw, AL

Greene Co.
๐Ÿ“ 300 Banks Ave
๐Ÿ“ž (205) 372-0729

Toya Powell from Boston, MA

๐Ÿ“ 93l Liverpool St
๐Ÿ“ž (910) 938-8958

Toya Powell from Memphis, TN

Shelby Co.
๐Ÿ“ 3355 Alta Rd
๐Ÿ“ž (901) 789-2126

Toya Powell from Tuscaloosa, AL

Age 51 b. 1975 Female
๐Ÿ“ Po Box 71597

Toya Powell from Capitol Hgts, MD

Prince Georges Co.
๐Ÿ“ 4407 Deanwood Dr

Toya Powell from Indianapolis, IN

Marion Co.
๐Ÿ“ 6871 Holly Spg Ci Ci

Toya Powell from Washington, DC

District Of Columbia Co.
๐Ÿ“ 5907 7th St

Toya Powell from Waynesville, NC

Haywood Co.
๐Ÿ“ 677 Utah Mountain Rd

Toya Powell from Itta Bena, MS

Leflore Co.
๐Ÿ“ 1400 Highway 82 W

Toya Powell from Mcconnelsville, OH

Morgan Co.
๐Ÿ“ 67 E Main St

Source: Public Records Aggregators ยท Commercial Data Providers ยท Consumer Data Sources Our search returned 22 contact records for Toya Powell across 11 states. The most recent address on file is in Tuscaloosa, Alabama. Of these records, 12 include phone numbers and 5 include email addresses. Ages range from 47 to 57, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Powell Toya T

Shelby County
· 1322 Jefferson Ave, Memphis Tn 38104.0
Built: 1970.0
Assessed: $13,300

Source: County Assessor Records ยท County Recorder Offices ยท State Property Tax Databases We found 1 property record linked to Toya Powell in Memphis. Values shown are from county assessor records and may differ from current market prices.

Toya A Powell

DEMOCRATIC Reg: 2/13/2008

toya ANETT powell

Unaffiliated Reg: 04/08/2011
1083 Monte Vista Rd, Candler, NC, 28715
DOB: 1978 Gender: Female
County: Buncombe

Source: State Election Offices ยท Secretary of State Voter Files ยท Board of Elections 2 voter registration records were found for Toya Powell in North Carolina. Records show affiliations with DEMOCRATIC, UNA, 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.

2009 DODGE JOURNEY
ยท Registered to: Toya Powell
ยท VIN: 3D4GG57V89T214987
·
2705 37th Pl E Apt 105, Tuscaloosa, AL, 35405-3362

Source: State DMV Records ยท DPPA-Compliant Data Providers ยท Vehicle Registration Databases 1 vehicle registration record is associated with Toya Powell. Registered makes include Dodge. The most recent model year on record is 2009. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Pcook_dummy_acct_piconetworkorg__pico-National-Network-Concierge

+15106552801tpowell@piconetwork.org

Toya Powell

รƒฦ’ rea metropolitana de washington d.c
Washington, District Of Columbia, United States Management Consulting
LinkedIn

Toya Powell

Washington D.C. Metro Area

Source: State Secretary of State ยท SEC EDGAR ยท LinkedIn Professional Data ยท Business Registries 5 business affiliations were found for Toya Powell. Roles listed include Null. Records are compiled from state business registries, SEC filings, and professional networking databases.

Toya Powell

Addr: 426 Marietta St NW, Atlanta, GA, 30313
GA Fulton County

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

Toya A Powell

Sep 16, 2013, 10:30 AM
ยท Meeting with: White House Staff
ยท OEOB
Purpose: POTUS 9.16 speech (171 guests) for 10:45 AM at Southeast Gate. ROOM CHANGE PER REQUESTOR

Source: White House Visitor Logs ยท Obama Administration Transparency Initiative ยท NARA Toya Powell appears in 1 White House visitor log entry from the WAVES/ACR access control system. These records were released under government transparency initiatives and primarily cover the Obama administration era.

Toya Powell

Mariner High School - Cape Coral, FL, FL
2011

Source: Historical Yearbook Archives ยท State Dept. of Education ยท Educator License Databases Toya Powell 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.

$44 Jan 11, 2012
2012 DEM
Obama, Barack
Powell, Toya Chamber Relationship Manager @ Us Black Chamber, INC Washington, DC
$25 Feb 22, 2016
2016 DEM
Democratic Congressional Campaign Committee
Powell, Toya Consultant @ Bid Compliance Solutions Washington, DC
$1,000 May 15, 2013
2014
Raising Our Sisters Assets Pac
Powell, Toya Vice President, Operations @ Us Black Chambers, INC Washington, DC
$125 Jun 1, 2017
2018
The Collective Super Pac
Powell, Toya Operations @ Pico National Network Washington, DC
$50 Feb 16, 2018
2018 DEM
Dnc Services CORP./Dem. Nat L Committee
Powell, Toya Internal Organizer @ Pico National Network Washington, DC
$100 Dec 29, 2017
2018
Collective Pac; The
Powell, Toya Operations @ Pico National Network Washington, DC
$50 Nov 9, 2009
2010 DEM
Jackson, Tito
Powell, Toya Boston, MA
$20 Jul 1, 2017
2018 DEM
Actblue
Powell, Toya Operations @ Pico National Network Washington, DC
$25 Aug 5, 2009
2010 DEM
Jackson, Tito
Powell, Toya Boston, MA
$50 Jul 31, 2009
2010 DEM
Jackson, Tito
Powell, Toya A Washington, DC
$150 Oct 18, 2008
2008 DEM
Obama, Barack
Powell, Toya Real Estate Economist @ Property & Portfolio Research East Boston, MA
$25 Jan 22, 2016
2016 DEM
Democratic Congressional Campaign Committee
Powell, Toya Consultant @ Bid Compliance Solutions Washington, DC
$100 May 18, 2010
2010 DEM
Patrick, Deval L (g)
Powell, Toya East Boston, MA
$200 Mar 30, 2018
2018
Collective Pac; The
Powell, Toya Internal Organizer @ Pico National Network Washington, DC
$5 Jan 22, 2016
2016 DEM
Actblue
Powell, Toya Consultant @ Bid Compliance Solutions Washington, DC
$20 Jul 28, 2019
2020
The Collective Pac
Powell, Toya Internal Organizer @ Faith In Action Washington, DC
$200 Dec 1, 2011
2012 DEM
Obama, Barack
Powell, Toya Chamber Relationship Manager @ Us Black Chamber, INC Washington, DC
$200 Jun 15, 2012
2012 DEM
Obama, Barack
Powell, Toya Director, Government Engagement @ Us Black Chamber, INC Washington, DC
$100 Dec 3, 2017
2018
Collective Pac; The
Powell, Toya Operations @ Pico National Network Washington, DC
$250 Oct 23, 2014
2014 DEM
Shaheen, Jeanne
Powell, Toya A Vice President, Operations @ Us Black Chambers INC Washington, DC
$10 Dec 1, 2011
2012 DEM
Obama, Barack
Powell, Toya Chamber Relationship Manager @ Us Black Chamber, INC Washington, DC
$1 Aug 20, 2010
2010
Actblue
Powell, Toya Client Relations @ Ppr East Boston, MA
$25 Oct 19, 2009
2010 DEM
Jackson, Tito
Powell, Toya Boston, MA
$20 May 28, 2019
2020
The Collective Pac
Powell, Toya Operations @ Pico National Network Washington, DC
$5 Feb 22, 2016
2016 DEM
Actblue
Powell, Toya Consultant @ Bid Compliance Solutions Washington, DC
$100 Jul 1, 2017
2018
Collective Pac; The
Powell, Toya Operations @ Pico National Network Washington, DC
$20 May 28, 2019
2020
The Collective Pac
Powell, Toya Internal Organizer @ Faith In Action Washington, DC
$100 May 15, 2014
2014
Jawando, William Opeyemi
Powell, Toya Washington, DC
$25 Jan 21, 2019
2020
The Collective Pac
Powell, Toya Internal Organizer @ Faith In Action Washington, DC
$10 Oct 19, 2012
2012 DEM
Obama, Barack
Powell, Toya Chamber Relationship Manager @ Us Black Chamber, INC Washington, DC
$20 Jun 28, 2019
2020
The Collective Pac
Powell, Toya Internal Organizer @ Faith In Action Washington, DC
$1,000 May 15, 2013
2020
Raising Our Sisters Assets Pac
Powell, Toya Vice President, Operations @ Us Black Chambers, INC Washington, DC
$5 May 14, 2010
2010
Actblue
Powell, Toya Client Relations @ Property And Portfolio Research, INC East Boston, MA
$25 Aug 24, 2010
2010 DEM
Patrick, Deval L (g)
Powell, Toya East Boston, MA
$20 Jun 28, 2019
2020
The Collective Pac
Powell, Toya Operations @ Pico National Network Washington, DC
$20 Jul 28, 2019
2020
The Collective Pac
Powell, Toya Internal Organizer @ Faith In Action Washington, DC
$100 Dec 29, 2017
2018
Collective Pac; The
Powell, Toya Operations @ Pico National Network Washington, DC
$250 Oct 23, 2014
DEM
Shaheen, Jeanne
Contributor Vice President, Operations @ Us Black Chambers INC Washington, DC
$20 Jul 28, 2019
Unknown Committee
Powell, Toya Internal Organizer @ Faith In Action Washington, DC
$100
2014
Jawando, William Opeyemi
Contributor Washington, DC

Source: FEC Disclosure Database ยท State Ethics Commissions ยท Stanford DIME Project 40 political contribution records found for Toya Powell. Total disclosed contributions amount to $4,616. Recipients include Shaheen, Jeanne, Jawando, William Opeyemi. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Toya Powell

Female
·
3008 Ridgecliffe Dr, Flint, MI 48532 (Genesee County)
43.0077, -83.7750
TZ: Eastern
MP

Toya A Powell

Age 39 Female
·
12 Piccadilly Dr, Waynesville, NC 28786 (Haywood County)
35.4984, -82.9678
TZ: Eastern
Edu: High School
Single Family
MP

Toya J Powell

Age 30 Female
·
1841 Scholar Cir, Raleigh, NC 27606 (Wake County)
35.7542, -78.6979
Marital: Inferred Single TZ: Eastern
Multi-Family
MP

Toya Powell

Female
·
134 Black Oak Cove Rd, Candler, NC 28715 (Buncombe County)
35.4778, -82.7210
· (828) 633-2565
TZ: Eastern
Single Family
MP

Toya Powell

Female
·
1000 Heathrow Ln, Hendersonvlle, TN 37075 (Sumner County)
36.3775, -86.5985
Marital: Single TZ: Central
Occ: White Collar Edu: Some College
Single Family
MP

Toya T Powell

Age 60 Female
·
1320 Jefferson Ave, Memphis, TN 38104 (Shelby County)
35.1415, -90.0166
· (901) 351-6065
Marital: Single TZ: Central
Edu: High School
Homeowner Single Family Built 1970 Purchased 1998
MP

Toya Powell

Age 33 Female
·
3140 Brinkley Rd, Temple Hills, MD 20748 (Prince Georges County)
38.8039, -76.9541
Marital: Single TZ: Eastern
Homeowner Multi-Family Built 1966 Purchased 2014
MP

Toya Powell

Female
·
4661 Hope Valley Rd, Durham, NC 27707 (Durham County)
35.9239, -78.9560
TZ: Eastern
Multi-Family
MP

Toya A Powell

Age 36 Female
·
5907 7th St NW, Washington, DC 20011 (District of Columbia County)
38.9623, -77.0224
TZ: Eastern
Homeowner Single Family Built 1932 Purchased 2002
MP

Toya L Powell

Age 42 Male
·
185 County Road 150, Boligee, AL 35443 (Greene County)
32.7465, -88.0144
Marital: Married TZ: Central
Homeowner Single Family
MP

Toya Powell

Female
·
1832 Woodette Rd, Columbus, OH 43232 (Franklin County)
39.9399, -82.8490
TZ: Eastern
Single Family
MP

Toya Powell

Female
·
PO Box 70071, Tuscaloosa, AL 35407 (Tuscaloosa County)
33.1665, -87.5222
TZ: Central
Multi-Family
MP

Toya L Powell

Age 35 Female
·
110 Whitethorne Ave, Columbus, OH 43223 (Franklin County)
39.9535, -83.0567
Marital: Single TZ: Eastern
Single Family

Source: Consumer Marketing Databases ยท Commercial Data Aggregators Marketing databases contain 13 demographic profiles associated with Toya Powell. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find Toya Powell on the map

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Found 40 results across 13 states

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Toya Powell in Tuscaloosa, AL: Background Summary

Location
2705 37th Pl E Apt 102, Tuscaloosa Al, Tuscaloosa, AL
Other Locations
Tuscaloosa, AL ยท Antioch, TN ยท Richton Park, IL and 10 more
Profiles Found
22 people with this name
Phone Numbers
(205) 861-7937 and 11 others on file
Email
toypowell@yahoo.com and 3 others on file
Possible Relatives
Plya Powell, Tavius Powell, Trenard T Powell, Tyree M Powell, Tyrone M Powell and 35 more
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
1 linked โ€” 2009 Dodge Journey
Contributions
$4,616.45 total โ€” Shaheen, Jeanne, Jawando, William Opeyemi
White House
1 recorded visit

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 Toya Powell. Because public records are indexed by name rather than by a unique identifier, the 90 results displayed here may include information belonging to multiple individuals who share the same name โ€” 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 โ€” 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 โ€” some restrict access or redact certain fields such as date of birth or residential address โ€” 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 โ€” 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 Toya Powell

Search Complexity: High

90 public records across 13states, belonging to approximately 22 different individuals. With 22 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: Alabama (10%), followed by Tennessee and North Carolina. Spans the South and Midwest regions.

AL9recordsTN6recordsNC6recordsDC5recordsOH4recordsMI2records

Record Type Breakdown

Data spans 7 record categories. Largest: Political Contribution Records (53%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (25) and Business & Corporate Filings (5).

40
Political Contribution Records
25
Contact & Address Records
5
Business & Corporate Filings
2
Voter Registration Records
1
Property Ownership Records
1
Vehicle Registration Records

Age Distribution

Age range: approximately 36 years, suggesting multiple generations. Largest group: Senior (65+) (17%).

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

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

Frequently Asked Questions About Toya Powell

Is Toya Powell a registered voter?
Yes, voter registration records show Toya Powell is registered with DEMOCRATIC 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 Toya Powell own property?
County assessor records show 1 property associated with Toya Powell . 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 Toya Powell?
Records show 1 vehicle registration associated with Toya Powell, including a 2009 DODGE JOURNEY. 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 Toya Powell?
We found 5 business affiliations for Toya Powell (null). Business records are compiled from state registries, SEC filings, and professional databases.
Has Toya Powell made political donations?
FEC disclosure records show 40 reported political contributions from Toya Powell, totaling $4,616. Recipients include Shaheen, Jeanne and Jawando, William Opeyemi. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Toya Powell?
Our database contains 90 total records for Toya Powell spanning 13 states. This includes 22 distinct contact records, 12 with phone numbers, 5 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 Toya Powell?
The 90 records displayed for Toya Powell 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 Toya Powell 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.