| All respondents |
7.2 ( 0.8) |
11.4 ( 0.9) |
24.5 ( 1.3) |
56.8 ( 1.4) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
1.2 ( 0.7) |
11.4 ( 3.1) |
27.8 ( 4.8) |
59.6 ( 5.1) |
| 25 to 34 |
6.5 ( 1.8) |
16.0 ( 2.6) |
26.4 ( 3.0) |
51.1 ( 3.6) |
| 35 to 44 |
7.3 ( 2.0) |
15.1 ( 2.4) |
26.8 ( 3.0) |
50.9 ( 3.4) |
| 45 to 54 |
6.4 ( 1.6) |
10.0 ( 2.0) |
28.1 ( 2.9) |
55.5 ( 3.2) |
| 55 to 64 |
8.5 ( 2.1) |
8.4 ( 2.1) |
26.1 ( 3.4) |
57.0 ( 3.7) |
| 65 and older |
10.3 ( 2.1) |
5.7 ( 1.6) |
12.5 ( 2.1) |
71.5 ( 3.0) |
| INCOME |
|
|
|
|
| Less than $25000 |
4.7 ( 0.9) |
8.4 ( 1.3) |
25.4 ( 2.0) |
61.4 ( 2.2) |
| $25000 to $49999 |
4.8 ( 1.2) |
12.1 ( 2.1) |
28.8 ( 2.8) |
54.3 ( 3.1) |
| $50000 to $74999 |
8.0 ( 2.1) |
11.2 ( 2.2) |
26.9 ( 3.2) |
54.0 ( 3.6) |
| $75000+ |
11.7 ( 2.2) |
16.4 ( 2.5) |
20.8 ( 2.6) |
51.2 ( 3.4) |
| EDUCATION |
|
|
|
|
| Less than high school |
6.0 ( 1.5) |
8.6 ( 2.3) |
20.1 ( 2.9) |
65.3 ( 3.5) |
| High school |
2.8 ( 0.8) |
7.6 ( 1.3) |
28.0 ( 2.3) |
61.6 ( 2.5) |
| Some post-secondary education |
8.5 ( 1.6) |
12.9 ( 1.9) |
27.1 ( 2.6) |
51.6 ( 2.9) |
| BA or more |
10.9 ( 1.8) |
14.8 ( 2.0) |
20.2 ( 2.1) |
54.0 ( 2.7) |
| ETHNICITY |
|
|
|
|
| White |
7.4 ( 1.0) |
10.9 ( 1.2) |
23.3 ( 1.6) |
58.4 ( 1.9) |
| Black |
3.4 ( 1.1) |
11.0 ( 2.0) |
33.7 ( 2.8) |
51.9 ( 3.0) |
| Hispanic |
8.4 ( 1.7) |
12.0 ( 2.1) |
23.6 ( 2.7) |
55.9 ( 3.1) |
| Other |
10.9 ( 4.1) |
18.1 ( 5.2) |
21.0 ( 5.1) |
50.0 ( 6.4) |
| SEX |
|
|
|
|
| Male |
9.9 ( 1.4) |
12.3 ( 1.5) |
23.2 ( 2.0) |
54.6 ( 2.3) |
| Female |
4.8 ( 0.7) |
10.6 ( 1.2) |
25.6 ( 1.6) |
58.9 ( 1.8) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
7.4 ( 1.0) |
13.8 ( 1.3) |
26.4 ( 1.7) |
52.4 ( 2.0) |
| Student |
8.0 ( 4.9) |
19.3 ( 6.6) |
25.5 ( 8.5) |
47.2 ( 8.4) |
| Not employed (homemaker, retired, unemployed) |
7.0 ( 1.2) |
6.3 ( 1.2) |
21.1 ( 1.9) |
65.6 ( 2.2) |
| Other |
6.8 ( 3.3) |
8.0 ( 3.5) |
21.8 ( 4.9) |
63.4 ( 6.1) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
7.1 ( 1.5) |
11.9 ( 2.2) |
27.8 ( 2.8) |
53.2 ( 3.1) |
| Resident of another state |
7.3 ( 0.8) |
11.3 ( 1.0) |
24.0 ( 1.4) |
57.4 ( 1.6) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
8.9 ( 1.1) |
13.8 ( 1.3) |
28.3 ( 1.7) |
49.0 ( 1.9) |
| Did not obtain a credit report |
5.1 ( 0.9) |
8.0 ( 1.2) |
19.3 ( 1.8) |
67.6 ( 2.1) |
| |
|
|
|
|
| Obtained credit score |
9.0 ( 1.5) |
16.7 ( 1.9) |
29.5 ( 2.3) |
44.8 ( 2.5) |
| Did not obtain credit score |
6.4 ( 0.9) |
8.8 ( 1.0) |
22.1 ( 1.5) |
62.7 ( 1.7) |
| |
|
|
|
|
| Disputed information on credit report |
10.7 ( 2.1) |
18.4 ( 2.7) |
29.0 ( 2.9) |
41.8 ( 3.3) |
| Did not dispute credit report information |
6.5 ( 0.8) |
9.9 ( 1.0) |
23.5 ( 1.4) |
60.1 ( 1.6) |
| |
|
|
|
|
| Had an auto or mortgage loan |
8.1 ( 0.9) |
11.4 ( 1.1) |
24.6 ( 1.4) |
55.9 ( 1.7) |
| Did not have an auto or mortgage loan |
4.5 ( 1.2) |
11.4 ( 2.0) |
24.1 ( 2.7) |
60.0 ( 3.0) |
| |
|
|
|
|
| Was a victim of identity theft |
9.8 ( 2.9) |
11.8 ( 2.8) |
24.2 ( 3.7) |
54.3 ( 4.4) |
| Was not a victim of identity theft |
7.0 ( 0.8) |
11.4 ( 1.0) |
24.5 ( 1.3) |
57.1 ( 1.5) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
5.9 ( 2.6) |
20.7 ( 4.2) |
24.1 ( 4.1) |
49.3 ( 5.2) |
| Did not obtain credit report due to an adverse action |
7.4 ( 0.8) |
10.6 ( 0.9) |
24.5 ( 1.3) |
57.5 ( 1.5) |