| All respondents |
42.8 ( 1.4) |
37.5 ( 1.4) |
19.7 ( 1.2) |
| AGE GROUP |
|
|
|
| 18 to 24 |
47.6 ( 5.2) |
28.5 ( 4.4) |
24.0 ( 4.5) |
| 25 to 34 |
30.3 ( 3.2) |
51.3 ( 3.6) |
18.4 ( 2.9) |
| 35 to 44 |
33.0 ( 3.2) |
46.4 ( 3.4) |
20.7 ( 3.0) |
| 45 to 54 |
48.4 ( 3.3) |
35.2 ( 3.1) |
16.4 ( 2.5) |
| 55 to 64 |
51.4 ( 3.7) |
30.1 ( 3.4) |
18.5 ( 2.9) |
| 65 and older |
54.2 ( 3.2) |
25.6 ( 2.9) |
20.2 ( 2.6) |
| INCOME |
|
|
|
| Less than $25000 |
49.0 ( 2.3) |
30.8 ( 2.1) |
20.2 ( 1.9) |
| $25000 to $49999 |
41.5 ( 3.1) |
40.3 ( 3.1) |
18.2 ( 2.5) |
| $50000 to $74999 |
41.9 ( 3.5) |
38.5 ( 3.4) |
19.6 ( 2.9) |
| $75000+ |
38.3 ( 3.3) |
42.6 ( 3.3) |
19.1 ( 2.8) |
| EDUCATION |
|
|
|
| Less than high school |
46.8 ( 3.7) |
25.9 ( 3.3) |
27.3 ( 3.2) |
| High school |
47.2 ( 2.5) |
32.9 ( 2.3) |
19.9 ( 2.2) |
| Some post-secondary education |
40.2 ( 2.8) |
42.9 ( 2.8) |
16.8 ( 2.2) |
| BA or more |
39.4 ( 2.7) |
41.0 ( 2.7) |
19.6 ( 2.3) |
| ETHNICITY |
|
|
|
| White |
43.0 ( 1.9) |
35.7 ( 1.8) |
21.4 ( 1.6) |
| Black |
40.4 ( 3.0) |
45.6 ( 3.0) |
14.1 ( 2.2) |
| Hispanic |
46.7 ( 3.1) |
34.5 ( 3.0) |
18.8 ( 2.4) |
| Other |
36.3 ( 6.1) |
50.8 ( 6.4) |
12.9 ( 3.9) |
| SEX |
|
|
|
| Male |
46.0 ( 2.3) |
33.5 ( 2.2) |
20.6 ( 2.0) |
| Female |
40.0 ( 1.7) |
41.2 ( 1.8) |
18.8 ( 1.4) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
39.7 ( 1.9) |
41.6 ( 1.9) |
18.7 ( 1.6) |
| Student |
43.3 ( 8.4) |
23.7 ( 6.4) |
33.0 ( 8.6) |
| Not employed (homemaker, retired, unemployed) |
49.1 ( 2.3) |
31.0 ( 2.2) |
20.0 ( 1.9) |
| Other |
40.4 ( 6.0) |
38.5 ( 6.4) |
21.1 ( 6.0) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
35.7 ( 3.0) |
45.8 ( 3.1) |
18.5 ( 2.6) |
| Resident of another state |
43.9 ( 1.6) |
36.2 ( 1.5) |
19.9 ( 1.3) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
35.9 ( 1.8) |
47.7 ( 1.9) |
16.4 ( 1.5) |
| Did not obtain a credit report |
52.3 ( 2.2) |
23.5 ( 1.8) |
24.2 ( 2.0) |
| |
|
|
|
| Obtained credit score |
32.6 ( 2.4) |
51.1 ( 2.5) |
16.3 ( 1.9) |
| Did not obtain credit score |
47.8 ( 1.8) |
30.8 ( 1.6) |
21.3 ( 1.5) |
| |
|
|
|
| Disputed information on credit report |
30.6 ( 3.0) |
56.3 ( 3.3) |
13.0 ( 2.4) |
| Did not dispute credit report information |
45.5 ( 1.6) |
33.4 ( 1.5) |
21.2 ( 1.4) |
| |
|
|
|
| Had an auto or mortgage loan |
42.4 ( 1.7) |
39.0 ( 1.6) |
18.6 ( 1.4) |
| Did not have an auto or mortgage loan |
44.2 ( 2.9) |
32.5 ( 2.8) |
23.3 ( 2.6) |
| |
|
|
|
| Was a victim of identity theft |
45.4 ( 4.4) |
42.2 ( 4.3) |
12.4 ( 2.9) |
| Was not a victim of identity theft |
42.5 ( 1.5) |
37.0 ( 1.5) |
20.5 ( 1.3) |
| |
|
|
|
| Obtained credit report due to an adverse action |
34.9 ( 4.7) |
47.1 ( 5.2) |
17.9 ( 4.0) |
| Did not obtain credit report due to an adverse action |
43.5 ( 1.5) |
36.6 ( 1.4) |
19.9 ( 1.3) |