| All respondents |
46.8 ( 1.5) |
27.4 ( 1.3) |
25.8 ( 1.3) |
| AGE GROUP |
|
|
|
| 18 to 24 |
39.1 ( 5.1) |
31.1 ( 4.7) |
29.7 ( 4.6) |
| 25 to 34 |
50.8 ( 3.6) |
29.2 ( 3.3) |
20.0 ( 2.8) |
| 35 to 44 |
56.6 ( 3.4) |
18.5 ( 2.7) |
24.9 ( 3.0) |
| 45 to 54 |
49.8 ( 3.3) |
23.2 ( 2.8) |
27.0 ( 3.0) |
| 55 to 64 |
48.1 ( 3.7) |
22.0 ( 2.9) |
29.9 ( 3.5) |
| 65 and older |
30.4 ( 3.0) |
40.9 ( 3.2) |
28.8 ( 3.0) |
| INCOME |
|
|
|
| Less than $25000 |
41.0 ( 2.3) |
33.1 ( 2.1) |
25.9 ( 2.1) |
| $25000 to $49999 |
47.4 ( 3.1) |
27.9 ( 2.8) |
24.7 ( 2.7) |
| $50000 to $74999 |
46.7 ( 3.5) |
20.8 ( 2.9) |
32.4 ( 3.4) |
| $75000+ |
54.8 ( 3.4) |
21.6 ( 2.9) |
23.6 ( 2.9) |
| EDUCATION |
|
|
|
| Less than high school |
26.9 ( 3.4) |
50.9 ( 3.7) |
22.2 ( 3.0) |
| High school |
43.1 ( 2.5) |
28.9 ( 2.3) |
28.0 ( 2.4) |
| Some post-secondary education |
53.2 ( 2.9) |
25.5 ( 2.6) |
21.3 ( 2.4) |
| BA or more |
51.3 ( 2.8) |
19.5 ( 2.2) |
29.2 ( 2.5) |
| ETHNICITY |
|
|
|
| White |
47.4 ( 1.9) |
25.2 ( 1.7) |
27.4 ( 1.7) |
| Black |
56.8 ( 3.0) |
25.1 ( 2.6) |
18.1 ( 2.4) |
| Hispanic |
34.3 ( 3.0) |
40.7 ( 3.1) |
25.0 ( 2.7) |
| Other |
48.2 ( 6.4) |
26.4 ( 5.6) |
25.4 ( 5.5) |
| SEX |
|
|
|
| Male |
42.0 ( 2.3) |
27.4 ( 2.1) |
30.6 ( 2.1) |
| Female |
51.4 ( 1.8) |
27.1 ( 1.5) |
21.5 ( 1.5) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
51.0 ( 2.0) |
21.8 ( 1.6) |
27.2 ( 1.8) |
| Student |
44.1 ( 8.6) |
34.3 ( 7.8) |
21.6 ( 6.5) |
| Not employed (homemaker, retired, unemployed) |
38.6 ( 2.3) |
36.9 ( 2.3) |
24.5 ( 2.0) |
| Other |
49.3 ( 6.4) |
30.2 ( 6.3) |
20.5 ( 4.8) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
49.0 ( 3.1) |
19.1 ( 2.3) |
31.8 ( 3.1) |
| Resident of another state |
46.5 ( 1.6) |
28.6 ( 1.4) |
24.9 ( 1.4) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
59.1 ( 1.9) |
17.8 ( 1.5) |
23.2 ( 1.6) |
| Did not obtain a credit report |
30.0 ( 2.1) |
40.6 ( 2.2) |
29.4 ( 2.1) |
| |
|
|
|
| Obtained credit score |
64.1 ( 2.4) |
14.9 ( 1.8) |
21.0 ( 2.1) |
| Did not obtain credit score |
38.3 ( 1.7) |
33.5 ( 1.7) |
28.2 ( 1.6) |
| |
|
|
|
| Disputed information on credit report |
68.6 ( 3.1) |
10.7 ( 2.1) |
20.7 ( 2.7) |
| Did not dispute credit report information |
42.0 ( 1.6) |
31.1 ( 1.5) |
26.9 ( 1.4) |
| |
|
|
|
| Had an auto or mortgage loan |
51.7 ( 1.7) |
23.1 ( 1.4) |
25.2 ( 1.5) |
| Did not have an auto or mortgage loan |
30.4 ( 2.7) |
41.8 ( 2.9) |
27.8 ( 2.7) |
| |
|
|
|
| Was a victim of identity theft |
60.8 ( 4.3) |
17.9 ( 3.3) |
21.3 ( 3.7) |
| Was not a victim of identity theft |
45.3 ( 1.5) |
28.4 ( 1.4) |
26.3 ( 1.4) |
| |
|
|
|
| Obtained credit report due to an adverse action |
61.1 ( 5.3) |
14.9 ( 4.4) |
24.0 ( 4.5) |
| Did not obtain credit report due to an adverse action |
45.5 ( 1.5) |
28.5 ( 1.4) |
26.0 ( 1.3) |