| All respondents |
14.2 ( 1.4) |
83.4 ( 1.4) |
2.3 ( 0.5) |
0.1 ( 0.1) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
33.2 (10.8) |
62.6 (11.0) |
4.2 ( 4.1) |
0.0 ( 0.0) |
| 25 to 34 |
17.7 ( 3.2) |
80.6 ( 3.3) |
1.7 ( 0.9) |
0.0 ( 0.0) |
| 35 to 44 |
10.6 ( 2.6) |
87.7 ( 2.7) |
1.7 ( 0.8) |
0.0 ( 0.0) |
| 45 to 54 |
14.6 ( 2.7) |
84.4 ( 2.7) |
0.9 ( 0.5) |
0.0 ( 0.0) |
| 55 to 64 |
14.9 ( 3.4) |
81.3 ( 3.6) |
3.8 ( 1.6) |
0.0 ( 0.0) |
| 65 and older |
6.0 ( 2.0) |
92.6 ( 2.2) |
1.0 ( 0.6) |
0.4 ( 0.4) |
| INCOME |
|
|
|
|
| Less than $25000 |
19.3 ( 2.8) |
76.3 ( 3.0) |
4.1 ( 1.3) |
0.3 ( 0.3) |
| $25000 to $49999 |
18.8 ( 3.4) |
79.5 ( 3.4) |
1.5 ( 0.7) |
0.2 ( 0.2) |
| $50000 to $74999 |
12.9 ( 2.8) |
85.2 ( 2.9) |
1.9 ( 1.1) |
0.0 ( 0.0) |
| $75000+ |
9.4 ( 2.3) |
90.0 ( 2.4) |
0.5 ( 0.5) |
0.0 ( 0.0) |
| EDUCATION |
|
|
|
|
| Less than high school |
33.0 ( 6.8) |
60.7 ( 7.1) |
5.2 ( 3.1) |
1.1 ( 1.1) |
| High school |
17.1 ( 2.8) |
78.7 ( 3.0) |
4.0 ( 1.1) |
0.2 ( 0.2) |
| Some post-secondary education |
15.8 ( 2.6) |
82.3 ( 2.7) |
1.9 ( 0.9) |
0.0 ( 0.0) |
| BA or more |
8.3 ( 1.8) |
90.5 ( 1.9) |
1.1 ( 0.7) |
0.0 ( 0.0) |
| ETHNICITY |
|
|
|
|
| White |
11.1 ( 1.7) |
87.4 ( 1.7) |
1.5 ( 0.5) |
0.0 ( 0.0) |
| Black |
23.3 ( 3.1) |
73.8 ( 3.2) |
2.2 ( 1.0) |
0.8 ( 0.5) |
| Hispanic |
21.6 ( 3.9) |
72.8 ( 4.2) |
5.6 ( 2.2) |
0.0 ( 0.0) |
| Other |
20.9 ( 7.3) |
71.7 ( 7.8) |
7.5 ( 4.0) |
0.0 ( 0.0) |
| SEX |
|
|
|
|
| Male |
13.0 ( 2.2) |
84.8 ( 2.3) |
2.2 ( 0.8) |
0.0 ( 0.0) |
| Female |
15.3 ( 1.7) |
82.5 ( 1.7) |
2.0 ( 0.5) |
0.2 ( 0.1) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
14.0 ( 1.6) |
83.8 ( 1.7) |
2.1 ( 0.6) |
0.1 ( 0.1) |
| Student |
20.8 (11.4) |
76.8 (11.6) |
2.4 ( 2.4) |
0.0 ( 0.0) |
| Not employed (homemaker, retired, unemployed) |
12.6 ( 2.6) |
85.5 ( 2.7) |
1.7 ( 0.6) |
0.2 ( 0.2) |
| Other |
22.3 ( 7.6) |
70.2 ( 8.2) |
7.5 ( 4.9) |
0.0 ( 0.0) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
7.6 ( 1.7) |
86.7 ( 2.5) |
5.3 ( 1.9) |
0.4 ( 0.4) |
| Resident of another state |
15.3 ( 1.6) |
82.9 ( 1.6) |
1.8 ( 0.5) |
0.1 ( 0.1) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
14.2 ( 1.4) |
83.4 ( 1.4) |
2.3 ( 0.5) |
0.1 ( 0.1) |
| Did not obtain a credit report |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
| |
|
|
|
|
| Obtained credit score |
10.4 ( 1.6) |
88.2 ( 1.6) |
1.3 ( 0.6) |
0.2 ( 0.1) |
| Did not obtain credit score |
18.4 ( 2.3) |
78.2 ( 2.4) |
3.4 ( 0.8) |
0.0 ( 0.0) |
| |
|
|
|
|
| Disputed information on credit report |
25.5 ( 3.1) |
74.2 ( 3.1) |
0.1 ( 0.1) |
0.2 ( 0.2) |
| Did not dispute credit report information |
9.6 ( 1.4) |
87.2 ( 1.5) |
3.2 ( 0.7) |
0.1 ( 0.1) |
| |
|
|
|
|
| Had an auto or mortgage loan |
12.0 ( 1.3) |
86.3 ( 1.4) |
1.6 ( 0.4) |
0.1 ( 0.1) |
| Did not have an auto or mortgage loan |
30.8 ( 5.6) |
61.3 ( 5.8) |
7.4 ( 2.8) |
0.5 ( 0.5) |
| |
|
|
|
|
| Was a victim of identity theft |
20.7 ( 4.0) |
77.8 ( 4.1) |
1.4 ( 0.8) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
13.3 ( 1.5) |
84.2 ( 1.5) |
2.4 ( 0.6) |
0.1 ( 0.1) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
100 ( 0.0) |
0.0 ( 0.0) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| Did not obtain credit report due to an adverse action |
0.0 ( 0.0) |
97.2 ( 0.6) |
2.7 ( 0.6) |
0.1 ( 0.1) |