| All respondents |
44.6 ( 1.5) |
45.4 ( 1.4) |
10.0 ( 0.9) |
| AGE GROUP |
|
|
|
| 18 to 24 |
39.7 ( 5.2) |
53.3 ( 5.2) |
7.0 ( 2.4) |
| 25 to 34 |
50.0 ( 3.6) |
38.6 ( 3.5) |
11.4 ( 2.3) |
| 35 to 44 |
52.1 ( 3.4) |
37.8 ( 3.3) |
10.1 ( 2.2) |
| 45 to 54 |
42.8 ( 3.2) |
42.7 ( 3.2) |
14.5 ( 2.4) |
| 55 to 64 |
49.3 ( 3.7) |
41.4 ( 3.6) |
9.3 ( 2.3) |
| 65 and older |
33.8 ( 3.2) |
59.5 ( 3.2) |
6.8 ( 1.7) |
| INCOME |
|
|
|
| Less than $25000 |
33.9 ( 2.2) |
58.6 ( 2.3) |
7.5 ( 1.3) |
| $25000 to $49999 |
43.9 ( 3.1) |
44.8 ( 3.1) |
11.4 ( 2.0) |
| $50000 to $74999 |
53.7 ( 3.5) |
35.8 ( 3.4) |
10.5 ( 2.2) |
| $75000+ |
53.5 ( 3.4) |
34.0 ( 3.2) |
12.5 ( 2.3) |
| EDUCATION |
|
|
|
| Less than high school |
19.6 ( 2.8) |
77.3 ( 3.0) |
3.1 ( 1.2) |
| High school |
40.2 ( 2.5) |
52.8 ( 2.6) |
7.0 ( 1.3) |
| Some post-secondary education |
46.8 ( 2.9) |
40.7 ( 2.8) |
12.6 ( 1.9) |
| BA or more |
55.7 ( 2.7) |
31.4 ( 2.6) |
12.9 ( 1.9) |
| ETHNICITY |
|
|
|
| White |
46.8 ( 1.9) |
42.2 ( 1.9) |
11.0 ( 1.2) |
| Black |
47.4 ( 3.0) |
42.4 ( 3.0) |
10.3 ( 1.9) |
| Hispanic |
31.0 ( 2.9) |
63.8 ( 3.0) |
5.2 ( 1.4) |
| Other |
46.5 ( 6.4) |
44.7 ( 6.4) |
8.8 ( 3.6) |
| SEX |
|
|
|
| Male |
47.4 ( 2.4) |
42.4 ( 2.3) |
10.1 ( 1.4) |
| Female |
42.3 ( 1.8) |
47.8 ( 1.8) |
9.9 ( 1.1) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
50.6 ( 2.0) |
38.5 ( 1.9) |
10.9 ( 1.2) |
| Student |
36.4 ( 8.6) |
49.9 ( 8.5) |
13.7 ( 5.4) |
| Not employed (homemaker, retired, unemployed) |
34.8 ( 2.2) |
56.8 ( 2.3) |
8.4 ( 1.4) |
| Other |
40.4 ( 6.2) |
53.5 ( 6.4) |
6.1 ( 3.1) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
49.0 ( 3.1) |
40.9 ( 3.1) |
10.1 ( 1.9) |
| Resident of another state |
44.0 ( 1.6) |
46.0 ( 1.6) |
10.0 ( 1.0) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
54.3 ( 1.9) |
33.8 ( 1.8) |
11.9 ( 1.3) |
| Did not obtain a credit report |
31.5 ( 2.2) |
61.2 ( 2.2) |
7.3 ( 1.2) |
| |
|
|
|
| Obtained credit score |
60.4 ( 2.5) |
27.7 ( 2.2) |
11.9 ( 1.7) |
| Did not obtain credit score |
36.9 ( 1.8) |
54.0 ( 1.8) |
9.1 ( 1.0) |
| |
|
|
|
| Disputed information on credit report |
61.1 ( 3.3) |
25.1 ( 2.8) |
13.8 ( 2.4) |
| Did not dispute credit report information |
41.0 ( 1.6) |
49.8 ( 1.6) |
9.2 ( 1.0) |
| |
|
|
|
| Had an auto or mortgage loan |
47.8 ( 1.7) |
41.5 ( 1.6) |
10.8 ( 1.1) |
| Did not have an auto or mortgage loan |
34.1 ( 2.9) |
58.4 ( 3.0) |
7.5 ( 1.4) |
| |
|
|
|
| Was a victim of identity theft |
52.7 ( 4.4) |
31.9 ( 4.0) |
15.4 ( 3.3) |
| Was not a victim of identity theft |
43.8 ( 1.5) |
46.8 ( 1.5) |
9.4 ( 0.9) |
| |
|
|
|
| Obtained credit report due to an adverse action |
53.1 ( 5.2) |
33.8 ( 5.0) |
13.2 ( 3.5) |
| Did not obtain credit report due to an adverse action |
43.9 ( 1.5) |
46.4 ( 1.5) |
9.7 ( 0.9) |