| All respondents |
28.6 ( 2.6) |
25.3 ( 2.5) |
12.1 ( 1.9) |
1.7 ( 0.6) |
15.8 ( 2.2) |
4.3 ( 1.1) |
0.7 ( 0.3) |
4.5 ( 1.0) |
6.9 ( 1.3) |
| AGE GROUP |
|
|
|
|
|
|
|
|
|
| 18 to 24 |
0.0 ( 0.0) |
46.9 (15.2) |
23.9 (13.4) |
0.0 ( 0.0) |
9.5 ( 6.7) |
0.0 ( 0.0) |
4.7 ( 4.7) |
0.0 ( 0.0) |
15.1 ( 8.6) |
| 25 to 34 |
31.3 ( 6.2) |
21.7 ( 5.7) |
16.4 ( 4.9) |
4.4 ( 2.3) |
11.8 ( 4.7) |
2.9 ( 1.9) |
0.7 ( 0.7) |
2.9 ( 1.7) |
7.9 ( 3.3) |
| 35 to 44 |
27.4 ( 5.3) |
23.6 ( 5.0) |
13.8 ( 4.2) |
1.0 ( 1.0) |
21.2 ( 5.3) |
7.1 ( 2.8) |
1.0 ( 0.7) |
3.1 ( 1.8) |
1.8 ( 1.1) |
| 45 to 54 |
36.6 ( 5.6) |
27.1 ( 5.1) |
5.5 ( 2.4) |
1.2 ( 0.9) |
17.3 ( 4.3) |
4.0 ( 2.4) |
0.5 ( 0.5) |
1.4 ( 0.8) |
6.4 ( 2.8) |
| 55 to 64 |
23.2 ( 6.0) |
25.9 ( 6.3) |
12.7 ( 4.9) |
0.0 ( 0.0) |
14.2 ( 5.1) |
1.2 ( 1.2) |
0.0 ( 0.0) |
7.6 ( 3.6) |
15.1 ( 5.4) |
| 65 and older |
21.8 ( 6.9) |
31.8 ( 7.6) |
9.7 ( 4.8) |
2.9 ( 2.9) |
13.5 ( 5.5) |
7.1 ( 4.5) |
0.0 ( 0.0) |
9.3 ( 4.2) |
3.9 ( 2.8) |
| INCOME |
|
|
|
|
|
|
|
|
|
| Less than $25000 |
19.7 ( 3.9) |
24.9 ( 4.8) |
12.9 ( 4.1) |
0.8 ( 0.8) |
15.9 ( 3.6) |
6.0 ( 2.2) |
1.0 ( 1.0) |
8.6 ( 2.6) |
10.3 ( 3.0) |
| $25000 to $49999 |
31.0 ( 5.6) |
30.6 ( 5.6) |
11.4 ( 3.5) |
4.5 ( 2.2) |
7.9 ( 3.6) |
4.0 ( 2.3) |
0.6 ( 0.6) |
3.3 ( 2.0) |
6.7 ( 2.7) |
| $50000 to $74999 |
33.7 ( 6.1) |
20.7 ( 4.8) |
11.4 ( 3.9) |
1.0 ( 1.0) |
17.6 ( 5.0) |
2.2 ( 1.7) |
1.8 ( 1.0) |
3.6 ( 2.1) |
7.9 ( 3.3) |
| $75000+ |
28.6 ( 5.0) |
27.3 ( 5.1) |
13.2 ( 4.1) |
0.0 ( 0.0) |
21.2 ( 5.0) |
6.3 ( 2.9) |
0.0 ( 0.0) |
0.4 ( 0.4) |
2.9 ( 1.6) |
| EDUCATION |
|
|
|
|
|
|
|
|
|
| Less than high school |
14.6 ( 7.0) |
20.6 ( 9.5) |
19.8 ( 9.5) |
3.6 ( 3.6) |
6.0 ( 4.2) |
0.0 ( 0.0) |
3.4 ( 3.3) |
12.9 ( 7.5) |
19.3 ( 9.2) |
| High school |
22.1 ( 4.2) |
18.8 ( 4.2) |
16.7 ( 3.9) |
3.6 ( 1.7) |
13.0 ( 3.1) |
3.6 ( 1.7) |
1.0 ( 0.7) |
8.7 ( 2.6) |
12.5 ( 3.2) |
| Some post-secondary education |
31.3 ( 4.8) |
28.4 ( 4.4) |
9.0 ( 3.1) |
0.9 ( 0.9) |
17.2 ( 4.1) |
6.3 ( 2.5) |
0.4 ( 0.4) |
3.7 ( 1.5) |
2.8 ( 1.2) |
| BA or more |
33.0 ( 4.7) |
28.6 ( 4.6) |
10.5 ( 2.9) |
0.7 ( 0.7) |
17.9 ( 4.2) |
3.5 ( 1.8) |
0.4 ( 0.4) |
0.6 ( 0.5) |
4.8 ( 2.0) |
| ETHNICITY |
|
|
|
|
|
|
|
|
|
| White |
28.1 ( 3.1) |
28.2 ( 3.1) |
11.8 ( 2.3) |
1.5 ( 0.8) |
16.5 ( 2.7) |
4.1 ( 1.3) |
0.0 ( 0.0) |
3.9 ( 1.1) |
5.9 ( 1.5) |
| Black |
26.3 ( 5.4) |
15.0 ( 4.5) |
13.4 ( 4.2) |
1.3 ( 1.3) |
19.4 ( 5.1) |
1.6 ( 1.6) |
4.2 ( 2.4) |
6.6 ( 2.9) |
12.1 ( 3.9) |
| Hispanic |
21.1 ( 5.2) |
24.3 ( 6.1) |
16.0 ( 5.0) |
4.2 ( 2.4) |
11.5 ( 4.3) |
4.9 ( 2.9) |
3.0 ( 2.1) |
5.7 ( 3.2) |
9.2 ( 3.7) |
| Other |
60.4 (13.1) |
0.0 ( 0.0) |
6.3 ( 4.5) |
0.0 ( 0.0) |
5.2 ( 5.2) |
14.2 (11.5) |
0.0 ( 0.0) |
7.2 ( 5.5) |
6.7 ( 6.5) |
| SEX |
|
|
|
|
|
|
|
|
|
| Male |
27.7 ( 4.0) |
24.0 ( 3.8) |
13.6 ( 3.0) |
2.0 ( 1.0) |
19.5 ( 3.8) |
3.7 ( 1.7) |
0.0 ( 0.0) |
4.0 ( 1.4) |
5.5 ( 1.9) |
| Female |
29.4 ( 3.3) |
26.6 ( 3.3) |
10.7 ( 2.3) |
1.5 ( 0.8) |
12.3 ( 2.3) |
4.9 ( 1.5) |
1.4 ( 0.6) |
5.0 ( 1.3) |
8.2 ( 1.7) |
| EMPLOYMENT STATUS |
|
|
|
|
|
|
|
|
|
| Actively employed (FT or PT) |
32.0 ( 3.3) |
24.2 ( 3.1) |
13.3 ( 2.5) |
1.1 ( 0.6) |
16.4 ( 2.8) |
4.3 ( 1.4) |
0.8 ( 0.4) |
2.2 ( 0.9) |
5.6 ( 1.5) |
| Student |
35.8 (21.8) |
26.2 (21.6) |
0.0 ( 0.0) |
0.0 ( 0.0) |
0.0 ( 0.0) |
5.3 ( 5.5) |
0.0 ( 0.0) |
19.5 (17.6) |
13.3 (12.8) |
| Not employed (homemaker, retired, unemployed) |
21.9 ( 4.1) |
27.5 ( 4.6) |
8.7 ( 2.8) |
3.5 ( 1.9) |
15.4 ( 3.8) |
4.9 ( 2.1) |
0.7 ( 0.7) |
7.1 ( 2.2) |
10.2 ( 2.9) |
| Other |
10.6 ( 7.3) |
30.9 (12.9) |
19.6 ( 9.9) |
0.0 ( 0.0) |
13.0 ( 7.3) |
0.0 ( 0.0) |
0.0 ( 0.0) |
22.2 (10.2) |
3.7 ( 3.7) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
|
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
30.4 ( 5.4) |
25.8 ( 5.4) |
10.8 ( 4.0) |
4.5 ( 3.1) |
8.4 ( 3.5) |
5.2 ( 2.4) |
1.2 ( 1.2) |
7.7 ( 3.1) |
6.0 ( 2.7) |
| Resident of another state |
28.3 ( 2.8) |
25.3 ( 2.7) |
12.3 ( 2.0) |
1.4 ( 0.6) |
16.7 ( 2.4) |
4.2 ( 1.2) |
0.7 ( 0.3) |
4.1 ( 1.0) |
7.0 ( 1.4) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
|
|
|
|
|
| Obtained a credit report |
28.6 ( 2.6) |
25.3 ( 2.5) |
12.1 ( 1.9) |
1.7 ( 0.6) |
15.8 ( 2.2) |
4.3 ( 1.1) |
0.7 ( 0.3) |
4.5 ( 1.0) |
6.9 ( 1.3) |
| Did not obtain a credit report |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
| |
|
|
|
|
|
|
|
|
|
| Obtained credit score |
29.6 ( 3.6) |
22.5 ( 3.4) |
16.3 ( 3.1) |
0.3 ( 0.3) |
22.9 ( 3.6) |
2.0 ( 1.0) |
0.3 ( 0.3) |
2.1 ( 1.0) |
4.0 ( 1.6) |
| Did not obtain credit score |
27.5 ( 3.7) |
28.2 ( 3.6) |
8.0 ( 2.1) |
3.2 ( 1.3) |
8.7 ( 2.2) |
6.7 ( 2.0) |
1.1 ( 0.6) |
6.8 ( 1.7) |
9.8 ( 2.1) |
| |
|
|
|
|
|
|
|
|
|
| Disputed information on credit report |
28.0 ( 5.2) |
30.5 ( 5.5) |
4.3 ( 2.0) |
1.4 ( 1.4) |
16.9 ( 4.2) |
3.8 ( 2.5) |
1.2 ( 0.9) |
3.6 ( 1.8) |
10.3 ( 3.4) |
| Did not dispute credit report information |
28.7 ( 3.0) |
23.8 ( 2.8) |
14.4 ( 2.3) |
1.8 ( 0.7) |
15.5 ( 2.5) |
4.5 ( 1.3) |
0.6 ( 0.3) |
4.7 ( 1.1) |
5.9 ( 1.4) |
| |
|
|
|
|
|
|
|
|
|
| Had an auto or mortgage loan |
30.1 ( 2.7) |
25.6 ( 2.6) |
12.8 ( 2.0) |
1.4 ( 0.6) |
16.2 ( 2.3) |
4.2 ( 1.2) |
0.8 ( 0.3) |
3.5 ( 0.9) |
5.4 ( 1.3) |
| Did not have an auto or mortgage loan |
6.7 ( 3.8) |
22.1 ( 9.1) |
2.2 ( 2.2) |
6.2 ( 4.4) |
10.2 ( 4.9) |
5.5 ( 3.3) |
0.0 ( 0.0) |
18.5 ( 6.6) |
28.6 ( 7.8) |
| |
|
|
|
|
|
|
|
|
|
| Was a victim of identity theft |
27.1 ( 7.4) |
21.9 ( 6.4) |
11.4 ( 5.2) |
2.9 ( 2.9) |
11.4 ( 6.6) |
7.6 ( 5.1) |
1.4 ( 1.4) |
5.0 ( 3.0) |
11.4 ( 4.4) |
| Was not a victim of identity theft |
28.7 ( 2.7) |
25.8 ( 2.7) |
12.2 ( 2.0) |
1.6 ( 0.6) |
16.3 ( 2.3) |
3.9 ( 1.1) |
0.6 ( 0.3) |
4.4 ( 1.0) |
6.4 ( 1.4) |
| |
|
|
|
|
|
|
|
|
|
| Obtained credit report due to an adverse action |
14.5 ( 7.9) |
20.5 ( 8.8) |
7.4 ( 5.6) |
2.1 ( 2.1) |
16.2 ( 7.5) |
12.3 ( 8.0) |
0.0 ( 0.0) |
5.4 ( 3.9) |
21.7 ( 9.6) |
| Did not obtain credit report due to an adverse action |
29.6 ( 2.7) |
25.7 ( 2.6) |
12.5 ( 2.0) |
1.7 ( 0.7) |
15.8 ( 2.3) |
3.8 ( 1.1) |
0.8 ( 0.3) |
4.4 ( 1.0) |
5.9 ( 1.2) |