| All respondents |
36.0 ( 1.4) |
42.2 ( 1.4) |
21.8 ( 1.2) |
0.0 ( 0.0) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
35.4 ( 5.0) |
39.5 ( 5.0) |
25.1 ( 4.5) |
0.0 ( 0.0) |
| 25 to 34 |
39.2 ( 3.5) |
37.9 ( 3.5) |
23.0 ( 2.9) |
0.0 ( 0.0) |
| 35 to 44 |
38.5 ( 3.4) |
41.2 ( 3.4) |
20.3 ( 2.8) |
0.0 ( 0.0) |
| 45 to 54 |
34.0 ( 3.2) |
46.8 ( 3.3) |
19.1 ( 2.4) |
0.0 ( 0.0) |
| 55 to 64 |
41.0 ( 3.7) |
40.6 ( 3.6) |
18.4 ( 2.9) |
0.0 ( 0.0) |
| 65 and older |
25.9 ( 3.0) |
49.8 ( 3.3) |
24.1 ( 2.6) |
0.2 ( 0.2) |
| INCOME |
|
|
|
|
| Less than $25000 |
27.9 ( 2.0) |
39.5 ( 2.2) |
32.5 ( 2.2) |
0.1 ( 0.1) |
| $25000 to $49999 |
39.4 ( 3.1) |
41.9 ( 3.1) |
18.7 ( 2.4) |
0.0 ( 0.0) |
| $50000 to $74999 |
38.1 ( 3.5) |
46.4 ( 3.5) |
15.5 ( 2.7) |
0.0 ( 0.0) |
| $75000+ |
42.4 ( 3.4) |
42.6 ( 3.4) |
15.0 ( 2.5) |
0.0 ( 0.0) |
| EDUCATION |
|
|
|
|
| Less than high school |
22.4 ( 3.2) |
37.1 ( 3.6) |
40.2 ( 3.6) |
0.3 ( 0.3) |
| High school |
33.7 ( 2.4) |
43.9 ( 2.5) |
22.4 ( 2.1) |
0.0 ( 0.0) |
| Some post-secondary education |
37.7 ( 2.8) |
45.9 ( 2.9) |
16.3 ( 2.1) |
0.0 ( 0.0) |
| BA or more |
41.2 ( 2.7) |
38.8 ( 2.6) |
20.0 ( 2.2) |
0.0 ( 0.0) |
| ETHNICITY |
|
|
|
|
| White |
37.0 ( 1.9) |
42.2 ( 1.9) |
20.7 ( 1.5) |
0.0 ( 0.0) |
| Black |
31.0 ( 2.8) |
47.3 ( 3.0) |
21.4 ( 2.5) |
0.2 ( 0.2) |
| Hispanic |
32.6 ( 2.9) |
38.6 ( 3.1) |
28.8 ( 2.7) |
0.0 ( 0.0) |
| Other |
42.9 ( 6.4) |
39.6 ( 6.2) |
17.5 ( 4.6) |
0.0 ( 0.0) |
| SEX |
|
|
|
|
| Male |
38.3 ( 2.3) |
42.4 ( 2.3) |
19.3 ( 1.8) |
0.0 ( 0.0) |
| Female |
33.7 ( 1.7) |
42.3 ( 1.8) |
23.9 ( 1.5) |
0.1 ( 0.1) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
38.2 ( 1.9) |
41.8 ( 1.9) |
20.0 ( 1.6) |
0.0 ( 0.0) |
| Student |
42.3 ( 8.8) |
45.2 ( 8.4) |
12.5 ( 4.5) |
0.0 ( 0.0) |
| Not employed (homemaker, retired, unemployed) |
31.4 ( 2.2) |
42.6 ( 2.3) |
25.9 ( 2.0) |
0.1 ( 0.1) |
| Other |
33.1 ( 5.9) |
41.9 ( 6.3) |
25.1 ( 6.1) |
0.0 ( 0.0) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
31.2 ( 2.9) |
51.7 ( 3.1) |
16.9 ( 2.2) |
0.2 ( 0.2) |
| Resident of another state |
36.7 ( 1.6) |
40.8 ( 1.6) |
22.5 ( 1.3) |
0.0 ( 0.0) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
40.8 ( 1.9) |
42.0 ( 1.9) |
17.2 ( 1.4) |
0.1 ( 0.1) |
| Did not obtain a credit report |
29.4 ( 2.1) |
42.6 ( 2.2) |
28.1 ( 2.0) |
0.0 ( 0.0) |
| |
|
|
|
|
| Obtained credit score |
41.9 ( 2.5) |
40.7 ( 2.5) |
17.3 ( 1.9) |
0.1 ( 0.1) |
| Did not obtain credit score |
33.1 ( 1.7) |
43.0 ( 1.8) |
24.0 ( 1.5) |
0.0 ( 0.0) |
| |
|
|
|
|
| Disputed information on credit report |
49.4 ( 3.4) |
37.7 ( 3.2) |
12.8 ( 2.2) |
0.0 ( 0.0) |
| Did not dispute credit report information |
33.0 ( 1.5) |
43.2 ( 1.6) |
23.7 ( 1.4) |
0.0 ( 0.0) |
| |
|
|
|
|
| Had an auto or mortgage loan |
37.5 ( 1.6) |
44.5 ( 1.7) |
18.0 ( 1.3) |
0.0 ( 0.0) |
| Did not have an auto or mortgage loan |
31.0 ( 2.8) |
34.7 ( 2.8) |
34.3 ( 2.8) |
0.0 ( 0.0) |
| |
|
|
|
|
| Was a victim of identity theft |
41.0 ( 4.3) |
41.3 ( 4.3) |
17.7 ( 3.3) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
35.4 ( 1.5) |
42.3 ( 1.5) |
22.2 ( 1.3) |
0.0 ( 0.0) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
40.2 ( 5.2) |
41.3 ( 5.1) |
18.5 ( 3.8) |
0.0 ( 0.0) |
| Did not obtain credit report due to an adverse action |
35.6 ( 1.5) |
42.3 ( 1.5) |
22.1 ( 1.2) |
0.0 ( 0.0) |