| All respondents |
44.6 ( 1.9) |
19.6 ( 1.5) |
20.2 ( 1.6) |
14.9 ( 1.3) |
0.7 ( 0.3) |
| AGE GROUP |
|
|
|
|
|
| 18 to 24 |
73.9 ( 8.9) |
25.3 ( 8.8) |
0.9 ( 0.9) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| 25 to 34 |
52.3 ( 4.4) |
18.7 ( 3.4) |
24.6 ( 4.1) |
2.8 ( 1.3) |
1.6 ( 1.3) |
| 35 to 44 |
47.5 ( 4.0) |
18.8 ( 3.1) |
21.2 ( 3.4) |
11.6 ( 2.6) |
0.8 ( 0.6) |
| 45 to 54 |
39.2 ( 3.9) |
20.1 ( 3.2) |
17.7 ( 3.1) |
23.0 ( 3.5) |
0.0 ( 0.0) |
| 55 to 64 |
32.6 ( 4.5) |
17.9 ( 3.5) |
26.4 ( 4.2) |
23.2 ( 4.1) |
0.0 ( 0.0) |
| 65 and older |
33.9 ( 4.9) |
15.9 ( 3.8) |
20.5 ( 4.3) |
29.0 ( 4.8) |
0.6 ( 0.6) |
| INCOME |
|
|
|
|
|
| Less than $25000 |
44.8 ( 3.6) |
17.2 ( 2.7) |
20.4 ( 2.8) |
16.0 ( 2.6) |
1.6 ( 1.0) |
| $25000 to $49999 |
45.8 ( 4.1) |
19.0 ( 3.1) |
19.3 ( 3.3) |
15.9 ( 2.8) |
0.0 ( 0.0) |
| $50000 to $74999 |
49.4 ( 4.1) |
19.7 ( 3.2) |
16.6 ( 3.2) |
12.8 ( 2.7) |
1.4 ( 1.2) |
| $75000+ |
41.3 ( 3.8) |
20.3 ( 3.1) |
23.3 ( 3.4) |
15.1 ( 2.8) |
0.0 ( 0.0) |
| EDUCATION |
|
|
|
|
|
| Less than high school |
47.1 ( 7.4) |
12.1 ( 4.2) |
23.3 ( 6.4) |
15.0 ( 6.4) |
2.5 ( 2.5) |
| High school |
46.4 ( 3.6) |
17.3 ( 2.7) |
16.3 ( 2.6) |
18.5 ( 2.7) |
1.5 ( 1.1) |
| Some post-secondary education |
45.2 ( 3.5) |
19.3 ( 2.7) |
22.9 ( 3.1) |
12.0 ( 2.0) |
0.6 ( 0.4) |
| BA or more |
42.6 ( 3.2) |
22.4 ( 2.7) |
20.3 ( 2.7) |
14.8 ( 2.3) |
0.0 ( 0.0) |
| ETHNICITY |
|
|
|
|
|
| White |
41.7 ( 2.4) |
19.5 ( 1.9) |
22.0 ( 2.0) |
16.4 ( 1.7) |
0.5 ( 0.4) |
| Black |
53.9 ( 3.7) |
16.9 ( 2.7) |
15.3 ( 2.7) |
12.7 ( 2.4) |
1.2 ( 0.9) |
| Hispanic |
52.7 ( 4.8) |
26.2 ( 4.2) |
9.3 ( 2.7) |
10.7 ( 3.3) |
1.1 ( 1.1) |
| Other |
46.7 ( 8.6) |
15.3 ( 5.7) |
29.4 ( 7.8) |
6.4 ( 4.4) |
2.2 ( 2.2) |
| SEX |
|
|
|
|
|
| Male |
41.0 ( 3.0) |
19.9 ( 2.4) |
21.9 ( 2.6) |
16.1 ( 2.1) |
1.0 ( 0.6) |
| Female |
48.2 ( 2.4) |
18.9 ( 1.9) |
18.7 ( 1.9) |
13.8 ( 1.7) |
0.5 ( 0.3) |
| EMPLOYMENT STATUS |
|
|
|
|
|
| Actively employed (FT or PT) |
46.2 ( 2.4) |
20.2 ( 1.9) |
20.9 ( 2.1) |
11.7 ( 1.5) |
1.0 ( 0.5) |
| Student |
58.6 (14.1) |
12.0 ( 6.7) |
23.0 (12.3) |
6.3 ( 6.2) |
0.0 ( 0.0) |
| Not employed (homemaker, retired, unemployed) |
39.5 ( 3.5) |
16.1 ( 2.6) |
19.3 ( 2.6) |
24.8 ( 3.1) |
0.3 ( 0.3) |
| Other |
42.6 ( 8.4) |
33.5 ( 8.2) |
13.4 ( 4.7) |
10.4 ( 5.1) |
0.0 ( 0.0) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
47.4 ( 3.7) |
22.2 ( 3.2) |
15.2 ( 2.5) |
14.5 ( 2.5) |
0.7 ( 0.7) |
| Resident of another state |
44.2 ( 2.2) |
19.2 ( 1.7) |
21.0 ( 1.8) |
14.9 ( 1.5) |
0.7 ( 0.4) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
|
| Obtained a credit report |
44.6 ( 1.9) |
19.6 ( 1.5) |
20.2 ( 1.6) |
14.9 ( 1.3) |
0.7 ( 0.3) |
| Did not obtain a credit report |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
| |
|
|
|
|
|
| Obtained credit score |
55.7 ( 2.6) |
19.4 ( 2.1) |
17.2 ( 2.0) |
6.7 ( 1.3) |
1.0 ( 0.6) |
| Did not obtain credit score |
32.4 ( 2.7) |
19.8 ( 2.2) |
23.6 ( 2.4) |
23.9 ( 2.3) |
0.4 ( 0.3) |
| |
|
|
|
|
|
| Disputed information on credit report |
55.7 ( 3.5) |
20.5 ( 2.8) |
15.8 ( 2.6) |
8.0 ( 1.9) |
0.0 ( 0.0) |
| Did not dispute credit report information |
40.1 ( 2.3) |
19.2 ( 1.8) |
22.0 ( 2.0) |
17.6 ( 1.7) |
1.0 ( 0.5) |
| |
|
|
|
|
|
| Had an auto or mortgage loan |
44.8 ( 2.0) |
18.4 ( 1.6) |
20.7 ( 1.7) |
15.6 ( 1.5) |
0.5 ( 0.3) |
| Did not have an auto or mortgage loan |
43.0 ( 5.9) |
29.0 ( 5.2) |
16.3 ( 3.7) |
9.2 ( 2.9) |
2.5 ( 1.4) |
| |
|
|
|
|
|
| Was a victim of identity theft |
55.2 ( 5.2) |
19.4 ( 4.1) |
11.3 ( 3.4) |
13.6 ( 3.6) |
0.5 ( 0.5) |
| Was not a victim of identity theft |
43.2 ( 2.1) |
19.6 ( 1.6) |
21.5 ( 1.7) |
15.0 ( 1.4) |
0.7 ( 0.4) |
| |
|
|
|
|
|
| Obtained credit report due to an adverse action |
47.5 ( 5.2) |
17.7 ( 4.0) |
18.9 ( 3.9) |
15.9 ( 3.8) |
0.0 ( 0.0) |
| Did not obtain credit report due to an adverse action |
44.2 ( 2.1) |
19.9 ( 1.6) |
20.4 ( 1.7) |
14.7 ( 1.4) |
0.8 ( 0.4) |