| All respondents |
8.4 ( 1.0) |
90.6 ( 1.0) |
1.0 ( 0.3) |
0.1 ( 0.1) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
10.2 ( 6.2) |
89.8 ( 6.2) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| 25 to 34 |
8.4 ( 2.2) |
90.1 ( 2.4) |
1.5 ( 0.9) |
0.0 ( 0.0) |
| 35 to 44 |
4.8 ( 1.5) |
94.4 ( 1.6) |
0.9 ( 0.6) |
0.0 ( 0.0) |
| 45 to 54 |
8.4 ( 2.3) |
91.2 ( 2.3) |
0.4 ( 0.4) |
0.0 ( 0.0) |
| 55 to 64 |
13.2 ( 3.1) |
85.0 ( 3.2) |
1.8 ( 0.9) |
0.0 ( 0.0) |
| 65 and older |
9.0 ( 3.1) |
90.3 ( 3.1) |
0.7 ( 0.5) |
0.0 ( 0.0) |
| INCOME |
|
|
|
|
| Less than $25000 |
7.0 ( 1.7) |
91.5 ( 1.8) |
1.5 ( 0.8) |
0.0 ( 0.0) |
| $25000 to $49999 |
4.9 ( 1.5) |
93.8 ( 1.6) |
1.2 ( 0.8) |
0.2 ( 0.2) |
| $50000 to $74999 |
14.4 ( 2.7) |
85.4 ( 2.7) |
0.2 ( 0.2) |
0.0 ( 0.0) |
| $75000+ |
8.9 ( 2.2) |
90.7 ( 2.2) |
0.5 ( 0.3) |
0.0 ( 0.0) |
| EDUCATION |
|
|
|
|
| Less than high school |
4.3 ( 2.4) |
90.5 ( 3.9) |
5.3 ( 3.1) |
0.0 ( 0.0) |
| High school |
6.2 ( 1.6) |
91.1 ( 1.9) |
2.5 ( 1.0) |
0.2 ( 0.2) |
| Some post-secondary education |
9.8 ( 1.9) |
90.0 ( 1.9) |
0.2 ( 0.2) |
0.0 ( 0.0) |
| BA or more |
9.1 ( 1.8) |
90.7 ( 1.8) |
0.2 ( 0.2) |
0.0 ( 0.0) |
| ETHNICITY |
|
|
|
|
| White |
7.4 ( 1.2) |
92.2 ( 1.2) |
0.4 ( 0.3) |
0.0 ( 0.0) |
| Black |
10.2 ( 2.2) |
87.6 ( 2.3) |
1.8 ( 0.9) |
0.4 ( 0.4) |
| Hispanic |
11.6 ( 2.8) |
86.5 ( 3.0) |
1.9 ( 1.3) |
0.0 ( 0.0) |
| Other |
10.5 ( 5.3) |
82.0 ( 6.4) |
7.5 ( 4.0) |
0.0 ( 0.0) |
| SEX |
|
|
|
|
| Male |
5.3 ( 1.2) |
93.8 ( 1.3) |
0.9 ( 0.4) |
0.0 ( 0.0) |
| Female |
11.2 ( 1.5) |
87.5 ( 1.6) |
1.2 ( 0.5) |
0.1 ( 0.1) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
7.8 ( 1.2) |
91.2 ( 1.2) |
0.9 ( 0.4) |
0.1 ( 0.1) |
| Student |
18.7 (11.3) |
81.3 (11.3) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| Not employed (homemaker, retired, unemployed) |
7.9 ( 1.8) |
90.5 ( 1.9) |
1.7 ( 0.8) |
0.0 ( 0.0) |
| Other |
13.1 ( 5.8) |
86.9 ( 5.8) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
7.2 ( 1.8) |
91.2 ( 2.0) |
1.7 ( 0.8) |
0.0 ( 0.0) |
| Resident of another state |
8.6 ( 1.1) |
90.5 ( 1.2) |
0.9 ( 0.3) |
0.1 ( 0.1) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
8.4 ( 1.0) |
90.6 ( 1.0) |
1.0 ( 0.3) |
0.1 ( 0.1) |
| Did not obtain a credit report |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
| |
|
|
|
|
| Obtained credit score |
9.1 ( 1.4) |
90.2 ( 1.4) |
0.6 ( 0.3) |
0.1 ( 0.1) |
| Did not obtain credit score |
7.6 ( 1.4) |
90.9 ( 1.5) |
1.5 ( 0.6) |
0.0 ( 0.0) |
| |
|
|
|
|
| Disputed information on credit report |
16.1 ( 2.6) |
83.2 ( 2.6) |
0.4 ( 0.3) |
0.2 ( 0.2) |
| Did not dispute credit report information |
5.2 ( 0.9) |
93.6 ( 1.0) |
1.3 ( 0.4) |
0.0 ( 0.0) |
| |
|
|
|
|
| Had an auto or mortgage loan |
8.0 ( 1.0) |
91.2 ( 1.1) |
0.8 ( 0.3) |
0.0 ( 0.0) |
| Did not have an auto or mortgage loan |
10.9 ( 3.3) |
85.6 ( 3.6) |
3.1 ( 1.6) |
0.5 ( 0.5) |
| |
|
|
|
|
| Was a victim of identity theft |
29.8 ( 4.7) |
68.7 ( 4.7) |
1.5 ( 0.9) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
5.4 ( 0.9) |
93.6 ( 0.9) |
1.0 ( 0.3) |
0.1 ( 0.1) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
16.5 ( 3.8) |
82.5 ( 3.8) |
1.0 ( 0.7) |
0.0 ( 0.0) |
| Did not obtain credit report due to an adverse action |
7.0 ( 1.0) |
91.9 ( 1.0) |
1.0 ( 0.4) |
0.1 ( 0.1) |