Q21: Did you order your credit report yourself or did someone else order it? (of those who said 'yes' to Q19)

Demographic and experience categories Ordered it myself Given to me by someone else
All respondents 52.9 ( 1.9) 47.1 ( 1.9)
AGE GROUP    
18 to 24 63.8 ( 9.8) 36.2 ( 9.8)
25 to 34 54.2 ( 4.4) 45.8 ( 4.4)
35 to 44 51.8 ( 4.0) 48.2 ( 4.0)
45 to 54 46.2 ( 4.0) 53.8 ( 4.0)
55 to 64 55.4 ( 4.8) 44.6 ( 4.8)
65 and older 55.8 ( 5.2) 44.2 ( 5.2)
INCOME    
Less than $25000 52.3 ( 3.6) 47.7 ( 3.6)
$25000 to $49999 56.0 ( 4.1) 44.0 ( 4.1)
$50000 to $74999 54.4 ( 4.1) 45.6 ( 4.1)
$75000+ 51.5 ( 3.9) 48.5 ( 3.9)
EDUCATION    
Less than high school 59.9 ( 7.2) 40.1 ( 7.2)
High school 47.6 ( 3.6) 52.4 ( 3.6)
Some post-secondary education 51.0 ( 3.5) 49.0 ( 3.5)
BA or more 57.4 ( 3.2) 42.6 ( 3.2)
ETHNICITY    
White 50.5 ( 2.4) 49.5 ( 2.4)
Black 65.1 ( 3.5) 34.9 ( 3.5)
Hispanic 51.6 ( 4.8) 48.4 ( 4.8)
Other 57.3 ( 8.5) 42.7 ( 8.5)
SEX    
Male 52.6 ( 3.1) 47.4 ( 3.1)
Female 52.9 ( 2.4) 47.1 ( 2.4)
EMPLOYMENT STATUS    
Actively employed (FT or PT) 52.2 ( 2.4) 47.8 ( 2.4)
Student 75.8 (10.7) 24.2 (10.7)
Not employed (homemaker, retired, unemployed) 50.2 ( 3.6) 49.8 ( 3.6)
Other 63.9 ( 7.8) 36.1 ( 7.8)
GEOGRAPHIC RESIDENCE    
Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) 63.8 ( 3.5) 36.2 ( 3.5)
Resident of another state 51.1 ( 2.2) 48.9 ( 2.2)
FINANCIAL AND CREDIT REPORT EXPERIENCE    
Obtained a credit report 52.9 ( 1.9) 47.1 ( 1.9)
Did not obtain a credit report . ( . ) . ( . )
     
Obtained credit score 55.3 ( 2.7) 44.7 ( 2.7)
Did not obtain credit score 50.2 ( 2.8) 49.8 ( 2.8)
     
Disputed information on credit report 63.6 ( 3.4) 36.4 ( 3.4)
Did not dispute credit report information 48.5 ( 2.3) 51.5 ( 2.3)
     
Had an auto or mortgage loan 50.2 ( 2.0) 49.8 ( 2.0)
Did not have an auto or mortgage loan 73.7 ( 4.5) 26.3 ( 4.5)
     
Was a victim of identity theft 58.4 ( 5.1) 41.6 ( 5.1)
Was not a victim of identity theft 52.1 ( 2.1) 47.9 ( 2.1)
     
Obtained credit report due to an adverse action 78.3 ( 4.2) 21.7 ( 4.2)
Did not obtain credit report due to an adverse action 48.7 ( 2.1) 51.3 ( 2.1)

Percent estimates totaling 100% within each demographic and experience category, with standard errors in parentheses
 
GAO-05-411SP Credit Reporting Literacy Survey Data
Full Report: GAO-05-223