| All respondents |
21.3 ( 1.2) |
57.9 ( 1.4) |
20.8 ( 1.2) |
| AGE GROUP |
|
|
|
| 18 to 24 |
27.6 ( 4.3) |
48.4 ( 5.2) |
23.9 ( 4.5) |
| 25 to 34 |
20.6 ( 2.9) |
64.2 ( 3.4) |
15.3 ( 2.5) |
| 35 to 44 |
16.7 ( 2.5) |
66.4 ( 3.3) |
16.9 ( 2.7) |
| 45 to 54 |
21.3 ( 2.7) |
58.0 ( 3.2) |
20.7 ( 2.7) |
| 55 to 64 |
23.1 ( 3.1) |
53.1 ( 3.7) |
23.8 ( 3.2) |
| 65 and older |
21.7 ( 2.7) |
49.0 ( 3.3) |
29.2 ( 2.9) |
| INCOME |
|
|
|
| Less than $25000 |
27.0 ( 2.1) |
49.0 ( 2.3) |
23.9 ( 1.9) |
| $25000 to $49999 |
18.5 ( 2.3) |
60.4 ( 3.0) |
21.1 ( 2.5) |
| $50000 to $74999 |
17.4 ( 2.7) |
61.0 ( 3.5) |
21.6 ( 3.0) |
| $75000+ |
19.7 ( 2.7) |
64.8 ( 3.3) |
15.5 ( 2.5) |
| EDUCATION |
|
|
|
| Less than high school |
28.9 ( 3.4) |
38.0 ( 3.6) |
33.1 ( 3.4) |
| High school |
23.3 ( 2.2) |
56.7 ( 2.5) |
20.0 ( 2.1) |
| Some post-secondary education |
17.4 ( 2.1) |
67.7 ( 2.6) |
14.9 ( 1.9) |
| BA or more |
20.0 ( 2.2) |
56.9 ( 2.7) |
23.1 ( 2.4) |
| ETHNICITY |
|
|
|
| White |
20.7 ( 1.5) |
59.2 ( 1.9) |
20.1 ( 1.5) |
| Black |
19.6 ( 2.5) |
59.6 ( 3.0) |
20.8 ( 2.5) |
| Hispanic |
24.7 ( 2.8) |
51.0 ( 3.1) |
24.3 ( 2.6) |
| Other |
23.9 ( 5.2) |
54.2 ( 6.3) |
21.9 ( 5.3) |
| SEX |
|
|
|
| Male |
23.0 ( 1.9) |
56.7 ( 2.3) |
20.3 ( 1.9) |
| Female |
19.6 ( 1.4) |
59.0 ( 1.8) |
21.3 ( 1.4) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
19.4 ( 1.6) |
62.4 ( 1.9) |
18.2 ( 1.5) |
| Student |
19.9 ( 6.5) |
59.1 ( 8.1) |
21.0 ( 6.2) |
| Not employed (homemaker, retired, unemployed) |
24.5 ( 2.0) |
50.5 ( 2.3) |
25.0 ( 2.0) |
| Other |
24.2 ( 5.0) |
48.9 ( 6.4) |
26.9 ( 6.2) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
22.0 ( 2.6) |
61.1 ( 3.0) |
17.0 ( 2.3) |
| Resident of another state |
21.2 ( 1.3) |
57.4 ( 1.6) |
21.4 ( 1.3) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
16.4 ( 1.4) |
67.2 ( 1.8) |
16.4 ( 1.4) |
| Did not obtain a credit report |
27.9 ( 2.0) |
45.2 ( 2.2) |
26.9 ( 2.0) |
| |
|
|
|
| Obtained credit score |
16.7 ( 1.9) |
69.2 ( 2.4) |
14.2 ( 1.8) |
| Did not obtain credit score |
23.5 ( 1.5) |
52.4 ( 1.8) |
24.1 ( 1.5) |
| |
|
|
|
| Disputed information on credit report |
9.2 ( 1.8) |
74.1 ( 3.0) |
16.7 ( 2.7) |
| Did not dispute credit report information |
23.9 ( 1.4) |
54.4 ( 1.6) |
21.7 ( 1.3) |
| |
|
|
|
| Had an auto or mortgage loan |
19.7 ( 1.3) |
61.0 ( 1.6) |
19.3 ( 1.3) |
| Did not have an auto or mortgage loan |
26.5 ( 2.5) |
47.5 ( 3.0) |
26.0 ( 2.5) |
| |
|
|
|
| Was a victim of identity theft |
21.8 ( 3.8) |
60.1 ( 4.3) |
18.0 ( 3.3) |
| Was not a victim of identity theft |
21.2 ( 1.2) |
57.6 ( 1.5) |
21.1 ( 1.3) |
| |
|
|
|
| Obtained credit report due to an adverse action |
12.0 ( 3.0) |
68.3 ( 4.8) |
19.7 ( 4.3) |
| Did not obtain credit report due to an adverse action |
22.1 ( 1.2) |
57.0 ( 1.5) |
20.9 ( 1.2) |