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Wayne Mowery from Piggott, AR

Age 59
📍 635 Houston Ave, Piggott, AR 72454
📞 (870) 598-2970, (870) 598-2970, (870) 598-5130, (870) 335-9384
✉️ patm@isainet.com
👨‍👩‍👧 Relatives: Patsy Cecelia Mowery,Rita J Mowery,Kenneth W Mowery,John Thomas Mowery,Timothy Lee Mowery,Wendy Jean Mowery,Austin Mowery,Orval Mowery,Mildred Mowery

Mr Wayne Michael Mowery from Colorado Springs, CO

Age 31 b. 12/12/1994
📍 3719 Indianpipe Cir, #colorado Springs, CO 80918-4512
✉️ dingo20@ymail.com
👨‍👩‍👧 Relatives: Lisa M Landry,Michaela M Hoffman,Scott W Mowery,Darlene E Mowery,Gerald W Mowery,Gerald W Mowery,Gerald B Mowery,Jane M Kipp,John C Mowery,Laura T Schiel,Michael Alvin Landry Sr,Michelle A Hutcheson,Monique M Harris,Pharia L Richardson,Wayne Mowery,Wongduen S Mowery,Adam R Mowery,Allison F Ahasteen,Bevford C Haynes,Christy Nannete Caprine,Cina R Schiel,Connie M Schiel,Connie Schiel,Dan Steele,Donna Landry,Gladys E Sheldon,Greg S Leitz,Gregg J Gibson,Gregory B Parker Jr,Harris Stedman,Jeffrey J Hutcheson,Jennifer J Mowery,John C Steward,Jonathan W Schiel,Leatha S Mowery,Matthew William Pankrez,Melinie A Soucie,Michelle Ann Hutcheson,R Mowery,R Mowery,R Mowery,R Mowery,Robert J Mowery,Robert W Mowery Sr,Robert John Mowery,Ronald F Scheil,Scottie J Kipp,Shanen Leigh Pankrez,Tamara L Haynes,Tarryn M Mowery
🕐 3 previous addresses

Wayne Mowery

Age 53 b. 1972-12-05
📍 1569 Old Ford Rd, New Albany In
📞 (502) 552-6473
✉️ WRMSERVICESANDCONTRACTING@YAHOO.COM

Wayne Mowery from Knoxville, TN

Age 74
📍 12304 Willow Ridge Way #704, Knoxville, TN 37934
📞 (865) 966-8526, (865) 584-1115, (865) 584-1115, (865) 966-8526, (865) 693-3316
👨‍👩‍👧 Relatives: Richard Preston Mowery,Judith A Mowery,Patricia A Mowery,Marti Mowery Bolton,I Mowery

Wayne Mowery from Knoxville, TN

0
📍 11349 Gates Mill Dr, Knoxville, TN 37922
👨‍👩‍👧 Relatives: Richard Preston Mowery,Patricia A Mowery,Richard Patricamowery,Wesley T Mowery,Megan N Mowery,Patricia D Mowery

Wayne Mowery from Bloomsburg, PA

Age 54 b. Apr 1971 Columbia Co.
📍 53 Washington Ave
📞 (717) 784-7060

Wayne Mowery from Lacygne, KS

Age 72 b. Oct 1953 Linn Co.
📍 305 S 7th St
📞 (816) 523-7872

Wayne Mowery from Knoxville, TN

Age 87 b. Jan 1939 Knox Co.
📍 4709 Papermill Dr
📞 (423) 584-1115

Wayne Mowery from Knoxville, TN

Male
📍 2912 Brock Ave
📞 (865) 607-3610 (AT&T MOBILITY)

Wayne Mowery from New Albany, IN

Age 54 b. 1972 Male
📍 1718 Klerner Ln
📞 (812) 948-8404

Wayne Mowery from Williamsport, PA

Age 86 b. Jul 1939 Lycoming Co.
📍 102 W 4th St

Wayne Mowery from Piggott, AR

Age 71 b. Aug 1954 Clay Co.
📍 Rr 1 Po Box 108

Wayne Mowery from Hilton Head Island, SC

Age 97 b. Nov 1928 Beaufort Co.
📍 1 Honeysuckle Ct

Wayne Mowery from Watsonville, CA

Age 53 b. Dec 1972 Santa Cruz Co.
📍 118 Wheelock Rd

Wayne Mowery from Baltimore, MD

Age 60 b. Dec 1965 Baltimore Co.
📍 212 Stabilizer

Wayne Mowery from New Albany, IN

Age 53 b. Dec 1972 Floyd Co.
📍 2313 Grant Line Rd

Wayne Mowery from Colorado Springs, CO

Age 32 b. 1994 Male
📍 2513 E Pikes Peak Ave Apt B101
📞 (719) 321-0809

Wayne Mowery from Piggott, AR

Clay Co.
📍 835 S Houston Ave
📞 (419) 225-6099

Wayne Mowery from Grand Haven, MI

Ottawa Co.
📍 12176 112th Ave
📞 (616) 935-9807

Wayne Mowery from Elyria, OH

Lorain Co.
📍 89 Williams St
📞 (440) 323-5926

Wayne Mowery from Baltimore, MD

Baltimore Co.
📍 201 Back River Neck Rd

Wayne Mowery from Coatesville, PA

Chester Co.
📍 1175 Hilltop Ln

Unknown Person

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 23 contact records for Wayne Mowery across 11 states. The most recent address on file is in Bloomsburg, Pennsylvania. Of these records, 13 include phone numbers and 3 include email addresses. Ages range from 59 to 74, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Mowery Wayne L & Joan

Columbia County
· 53 Washington Ave, Bloomsburg
Built: 1930.0
Sale: $7,500 (-183427200000.0)

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

Wayne R Mowery

Democrat Reg: 06/12/2000
860 Old Reading Rd, Catawissa, PA, 17820
DOB: 06/22/1952 Gender: Unknown

Wayne L Mowery

Republican Reg: 04/17/1995
1945 Halfmoon Valley Rd, Port Matilda, PA, 16870
DOB: 04/27/1971 Gender: Unknown

Wayne Mowery

UAF
3719indianpipe Cir, Colo Springs, CO, 80918
DOB: 1994 Gender: Male
County: El Paso

Wayne E Mowery

Gender: M

Wayne Sidney Mowery

Democrat
12800 Sand Dollar Way, Baltimore, MD, 21220
Gender: Male
County: Baltimore County

Wayne L Mowery

1945 Halfmoon Valley Rd
DOB: 04/27/1971 Gender: Unknown

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 6 voter registration records were found for Wayne Mowery in Pennsylvania, Colorado, Maryland. Records show affiliations with D, R, UAF, DEM, 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.

2012 Buick Enclave
· Registered to: Wayne Mowery
· VIN: 5GAKRCED3CJ387509
·
12304 Willow Ridge Way, Knoxville, TN, 37934-4555
·
(865) 966-8526
2005 GMC YUKON DENALI HVY DUTY WAGON
· Registered to: Wayne Mowery
· VIN: 1GKFK66U25J120194
·
12304 Willow Ridge Way, Knoxville, TN, 37934
·
(865) 966-8526
2007 Ford F150
· Registered to: Wayne Mowery
· VIN: 1FTRF12267KD63427
·
305 S 7Th St, Lacygne, KS, 66040-9800
2012 CHEVROLET COLORADO
· Registered to: Wayne Mowery
· VIN: 1GCHTDFE8C8109140
·
860 Old Reading Rd, Catawissa, PA, 17820-8014
·
(570) 799-0296
2007 LEXUS ES 350
· Registered to: Wayne Mowery
· VIN: JTHBJ46G172150813
·
12304 Willow Ridge Way, Knoxville, TN, 37934-4555
·
(865) 966-8526
2010 GMC ACADIA
· Registered to: Wayne Mowery
· VIN: 1GKLRMED4AJ268488
·
12304 Willow Ridge Way, Knoxville, TN, 37934-4555
1975
· Registered to: Wayne Mowery
· VIN: 2R67W5P254540
·
12304 Willow Ridge Way, Knoxville, TN, 37934
·
(865) 966-8526

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 7 vehicle registration records are associated with Wayne Mowery. Registered makes include Buick, Gmc, Ford, Chevrolet and others. The most recent model year on record is 2012. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Mowery Insurance Inc

President
(865) 584-1115
Knoxville, TN
Insurance Brokers, Agents and Services (Insurance)

N & H Garage Inc

Owner
(570) 539-2271
Mt Pleasant Mls, PA
Automotive Services, Parking and Repair (Automotive)

N & H Garage Inc

Wayne MoweryOwner
(570) 539-2271
Mount Pleasant Mills, PA

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 4 business affiliations were found for Wayne Mowery. Companies include Mowery Insurance Inc, N & H Garage Inc. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

Addr: AK
AK
Incorporator/Organizer: Wayne W. Mowery

Wayne R. Mowery

Addr: 1830 Old Hickory Ct., New Albany, IN, 47150
IN

Unknown Corporation

Addr: 1512 Coleman Rd., Ste. 310, Knoxville, TN
TN
President: wayne W. mowery

Mowery Insurance, INC.

Addr: 9050 Executive Park Drive, Knoxville, TN, 37923
TN
Officer: Wayne Mowery

Health Care Consulting And Credit

Addr: 9050 Executive Park Drive, Knoxville, NV, 37923
NV
Director: Wayne Mowery

Mowery Insurance, INC.

ID: 0800574207
Addr: 1512 Coleman Rd., Ste. 310, Knoxville, TN
TN
President: Wayne W. Mowery

Source: Public Records Wayne Mowery appears in 6 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Wayne S Mowery

Group Tour
Oct 22, 2011, 01:30 PM
· WH

Source: White House Visitor Logs · Obama Administration Transparency Initiative · NARA Wayne Mowery 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.

Wayne Mowery

New Albany Sr. High School - New Albany, IN, IN
1991

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Wayne Mowery 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.

$25 Aug 22, 2020
2020 DEM
Biden, Joe
Mowery, Wayne Not Employed Davidson, NC
$100 Jan 15, 2010
2010 REP
Haslam, Bill
Mowery, Wayne Sales @ Mowery Insurance Knoxville, TN
$100 Aug 13, 2010
2010 REP
Phoebus, John K
Mowery, Wayne Port Matilda, PA
$100 Oct 9, 2009
2010 REP
Haslam, Bill
Mowery, Wayne Sales @ Mowery Insurance Knoxville, TN
$3 Oct 30, 2021
2022 DEM
Arballo, Phil
Mowery, Wayne Not Employed Davidson, NC
$250 Oct 5, 1998
1998 REP
Hilleary, William V
Mowery, Wayne Insurance Agen @ Mowery Insurance INC Knoxville, TN
$25 Aug 29, 2020
2020 DEM
Biden, Joe
Mowery, Wayne Not Employed Davidson, NC
$100 Mar 15, 2010
2010 REP
Haslam, Bill
Mowery, Wayne Sales @ Mowery Insurance Knoxville, TN
$100 Aug 23, 2011
2012 REP
Massey, Rebecca Duncan
Mowery, Wayne Vice Chairman @ Mowery Insurance Knoxville, TN
$100 Aug 3, 2004
2004
Insurors Of Tn Pac
Mowery, Wayne Insurance Agen @ Mowery Insurance INC Knoxville, TN
$100 Jul 14, 2008
2008 REP
Haynes, Ryan A
Mowery, Wayne Retired Knoxville, TN
$25 Aug 22, 2020
DEM
Biden, Joe
Contributor Not Employed Davidson, NC
$250 Jun 23, 2006
Unknown Committee
Mowery, Wayne Information Requested Knoxville, TN
$100
2010 R
Phoebus, John K
Contributor Port Matilda, PA

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 14 political contribution records found for Wayne Mowery. Total disclosed contributions amount to $1,378. Recipients include Biden, Joe, Phoebus, John K. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Wayne Mowery

Male
·
1830 Old Hickory Ct, New Albany, IN 47150 (Floyd County)
38.3179, -85.8154
TZ: Eastern
Homeowner Single Family Built 1992
MP

Wayne R Mowery

Male
·
1569 Old Ford Rd, New Albany, IN 47150 (Floyd County)
38.3179, -85.7931
· (502) 876-3263
TZ: Eastern
Homeowner Single Family Built 1960 Purchased 2014
MP

Wayne E Mowery

Age 64 Male
·
305 S 7th St, La Cygne, KS 66040 (Linn County)
38.3428, -94.7573
· (816) 739-3769
TZ: Central
Homeowner Single Family Built 1920 Purchased 2002
MP

Wayne Mowery

Age 23 Male
·
3719 Indianpipe Cir, Colorado Spgs, CO 80918 (El Paso County)
38.8948, -104.7610
· (719) 321-0809
Marital: Single TZ: Mountain
Homeowner Single Family Built 1969 Purchased 2000
MP

Wayne L Mowery

Age 46 Male
·
53 Washington Ave, Bloomsburg, PA 17815 (Columbia County)
41.0092, -76.4555
· (570) 784-7060
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1930 Purchased 1964
MP

Wayne S Mowery

Age 28 Male
·
821 2nd Ave, Sheppard Afb, TX 76311 (Wichita County)
33.9674, -98.5048
Marital: Inferred Single TZ: Central
Homeowner Multi-Family
MP

Wayne L Mowery

Male
·
1945 Halfmoon Valley Rd, Port Matilda, PA 16870 (Centre County)
40.7949, -78.0130
TZ: Eastern
Homeowner Single Family Built 1979 Purchased 1998
MP

Wayne Mowery

Age 84 Male
·
839 E Rockwood St, Springfield, MO 65807 (Greene County)
37.1557, -93.2840
· (417) 887-3669
Marital: Married TZ: Central
Edu: Some College
Homeowner Single Family Built 1982
MP

Wayne W Mowery

Age 78 Male
·
12304 Willow Ridge Ln, Knoxville, TN 37934 (Knox County)
35.8661, -84.1949
· (865) 966-8526
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1997 Purchased 1997
MP

Wayne Mowery

Male
·
1718 Klerner Ln, New Albany, IN 47150 (Floyd County)
38.3274, -85.8031
· (812) 948-8404
TZ: Eastern
Homeowner Single Family Built 1950 Purchased 2010

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 10 demographic profiles associated with Wayne Mowery. 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 Wayne Mowery. These loans were issued to businesses, not individuals.

Integrated Practice Services, LLC

Limited Liability Company(LLC

$394,818 Paid in Full
Address:
4709 Papermill Dr
Knoxville, TN37909-1900
Approved

Apr 7, 2020

Forgiven

$400,302

Jobs Reported

36

Loan #

6805937007

Loan Size

Medium

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

Find Wayne Mowery on the map

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Found 56 results across 16 states

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Wayne Mowery in Piggott, AR: Background Summary

Location
635 Houston Ave,Piggott, AR 72454, Piggott, AR
Other Locations
Bloomsburg, PA · Lacygne, KS · Knoxville, TN and 10 more
Profiles Found
23 people with this name
Phone Numbers
(870) 598-2970 and 11 others on file
Email
patm@isainet.com and 2 others on file
Possible Relatives
Patsy Cecelia Mowery, Rita J Mowery, Kenneth W Mowery, John Thomas Mowery, Timothy Lee Mowery and 59 more
Career
Mowery Insurance Inc, N & H Garage Inc
Voter Registration
Registered Democrat
Properties
1property owned
Vehicles
7 linked — 2012 Buick Enclave, 2005 Gmc Yukon Denali and 5 more
Contributions
$1,378 total — Phoebus, John K, Biden, Joe
PPP Loans
$395K for Integrated Practice Services, LLC
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 Wayne Mowery. Because public records are indexed by name rather than by a unique identifier, the 77 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 Wayne Mowery

Search Complexity: High

77 public records across 16states, belonging to approximately 23 different individuals. With 23 distinct profiles across 16 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 16 states. Highest concentration: Tennessee (16%), followed by Pennsylvania and Indiana. Spans the South and Midwest regions.

TN12recordsPA12recordsIN7recordsAR5recordsCO4recordsKS3records

Record Type Breakdown

Data spans 8 record categories. Largest: Contact & Address Records (40%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Political Contribution Records (14) and Vehicle Registration Records (7).

26
Contact & Address Records
14
Political Contribution Records
7
Vehicle Registration Records
6
Voter Registration Records
6
Corporate Records
4
Business & Corporate Filings

Age Distribution

Age range: approximately 66 years, suggesting multiple generations. Largest group: Senior (65+) (50%).

Senior (65+)5peopleMiddle-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 Wayne Mowery

Is Wayne Mowery a registered voter?
Yes, voter registration records show Wayne Mowery is registered in Pennsylvania with D affiliation. We found 6 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Wayne Mowery own property?
County assessor records show 1 property associated with Wayne Mowery . 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 Wayne Mowery?
Records show 7 vehicle registrations associated with Wayne Mowery, including a 2012 Buick Enclave. Registered makes include Buick, Gmc, Ford, Chevrolet. 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 Wayne Mowery?
We found 4 business affiliations for Wayne Mowery, including Mowery Insurance Inc. Other companies include N & H Garage Inc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Wayne Mowery made political donations?
FEC disclosure records show 14 reported political contributions from Wayne Mowery, totaling $1,378. Recipients include Biden, Joe and Phoebus, John K. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Wayne Mowery?
Our database contains 77 total records for Wayne Mowery spanning 16 states. This includes 23 distinct contact records, 13 with phone numbers, 3 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 Wayne Mowery?
The 77 records displayed for Wayne Mowery 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 Wayne Mowery 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.