| All respondents |
8.2 ( 1.1) |
4.4 ( 0.7) |
0.6 ( 0.2) |
47.7 ( 1.9) |
30.0 ( 1.8) |
9.1 ( 1.1) |
| AGE GROUP |
|
|
|
|
|
|
| 18 to 24 |
25.9 (10.6) |
1.3 ( 1.3) |
1.7 ( 1.7) |
34.4 ( 9.8) |
31.8 (10.9) |
4.9 ( 2.9) |
| 25 to 34 |
6.4 ( 1.7) |
3.9 ( 1.3) |
0.8 ( 0.6) |
48.4 ( 4.4) |
30.5 ( 4.1) |
9.9 ( 2.6) |
| 35 to 44 |
6.7 ( 2.1) |
3.7 ( 1.4) |
0.5 ( 0.4) |
51.7 ( 4.0) |
28.9 ( 3.6) |
8.4 ( 2.1) |
| 45 to 54 |
9.5 ( 2.3) |
3.3 ( 1.6) |
0.3 ( 0.3) |
54.6 ( 4.0) |
23.6 ( 3.3) |
8.7 ( 2.3) |
| 55 to 64 |
11.1 ( 3.1) |
7.3 ( 2.5) |
0.0 ( 0.0) |
46.0 ( 4.8) |
29.3 ( 4.4) |
6.3 ( 2.0) |
| 65 and older |
5.5 ( 2.0) |
8.0 ( 3.0) |
1.4 ( 1.3) |
31.9 ( 5.1) |
37.4 ( 5.0) |
15.8 ( 4.0) |
| INCOME |
|
|
|
|
|
|
| Less than $25000 |
10.1 ( 2.0) |
3.7 ( 1.3) |
0.5 ( 0.5) |
41.5 ( 3.6) |
31.7 ( 3.4) |
12.4 ( 2.3) |
| $25000 to $49999 |
13.8 ( 3.0) |
2.0 ( 1.0) |
1.3 ( 0.8) |
47.4 ( 4.1) |
25.8 ( 3.9) |
9.7 ( 2.3) |
| $50000 to $74999 |
7.5 ( 2.1) |
7.4 ( 2.0) |
0.8 ( 0.5) |
43.8 ( 4.1) |
30.7 ( 3.7) |
9.9 ( 2.5) |
| $75000+ |
3.6 ( 1.6) |
5.5 ( 1.6) |
0.0 ( 0.0) |
53.0 ( 3.8) |
31.7 ( 3.5) |
6.2 ( 1.8) |
| EDUCATION |
|
|
|
|
|
|
| Less than high school |
12.9 ( 4.5) |
2.9 ( 2.0) |
1.4 ( 1.4) |
55.5 ( 7.4) |
17.2 ( 5.1) |
10.1 ( 5.5) |
| High school |
10.7 ( 2.3) |
4.4 ( 1.4) |
0.9 ( 0.6) |
45.2 ( 3.6) |
29.1 ( 3.3) |
9.7 ( 2.1) |
| Some post-secondary education |
9.4 ( 2.3) |
5.2 ( 1.4) |
0.7 ( 0.5) |
47.2 ( 3.5) |
28.1 ( 3.1) |
9.4 ( 1.8) |
| BA or more |
4.8 ( 1.3) |
4.0 ( 1.2) |
0.2 ( 0.2) |
48.9 ( 3.3) |
33.8 ( 3.1) |
8.3 ( 1.8) |
| ETHNICITY |
|
|
|
|
|
|
| White |
6.2 ( 1.3) |
4.2 ( 0.9) |
0.2 ( 0.2) |
48.6 ( 2.4) |
31.9 ( 2.3) |
8.9 ( 1.3) |
| Black |
14.7 ( 2.7) |
4.7 ( 1.6) |
1.5 ( 0.9) |
33.2 ( 3.6) |
36.6 ( 3.7) |
9.3 ( 2.2) |
| Hispanic |
12.0 ( 2.9) |
5.0 ( 1.9) |
2.5 ( 1.5) |
60.5 ( 4.6) |
13.9 ( 3.2) |
6.1 ( 2.2) |
| Other |
13.7 ( 6.6) |
5.9 ( 4.1) |
0.0 ( 0.0) |
47.0 ( 8.6) |
15.5 ( 5.6) |
18.0 ( 7.4) |
| SEX |
|
|
|
|
|
|
| Male |
7.9 ( 1.8) |
2.7 ( 0.8) |
0.2 ( 0.2) |
48.3 ( 3.1) |
32.4 ( 2.9) |
8.6 ( 1.7) |
| Female |
8.6 ( 1.3) |
6.1 ( 1.2) |
1.0 ( 0.4) |
46.8 ( 2.4) |
27.9 ( 2.1) |
9.6 ( 1.4) |
| EMPLOYMENT STATUS |
|
|
|
|
|
|
| Actively employed (FT or PT) |
7.6 ( 1.2) |
4.0 ( 0.9) |
0.5 ( 0.2) |
50.0 ( 2.4) |
28.5 ( 2.2) |
9.5 ( 1.4) |
| Student |
2.4 ( 2.4) |
0.0 ( 0.0) |
0.0 ( 0.0) |
33.8 (12.7) |
51.8 (14.7) |
12.0 ( 6.7) |
| Not employed (homemaker, retired, unemployed) |
9.0 ( 2.5) |
5.7 ( 1.6) |
0.9 ( 0.7) |
44.2 ( 3.6) |
31.8 ( 3.2) |
8.4 ( 2.0) |
| Other |
16.2 ( 6.9) |
7.0 ( 3.8) |
0.0 ( 0.0) |
40.9 ( 8.2) |
30.3 ( 8.0) |
5.6 ( 3.3) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
4.1 ( 1.3) |
4.2 ( 1.5) |
0.4 ( 0.4) |
39.6 ( 3.7) |
43.3 ( 3.7) |
8.4 ( 2.0) |
| Resident of another state |
8.9 ( 1.3) |
4.5 ( 0.8) |
0.6 ( 0.3) |
49.0 ( 2.2) |
27.8 ( 2.0) |
9.2 ( 1.2) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
|
|
| Obtained a credit report |
8.2 ( 1.1) |
4.4 ( 0.7) |
0.6 ( 0.2) |
47.7 ( 1.9) |
30.0 ( 1.8) |
9.1 ( 1.1) |
| Did not obtain a credit report |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
| |
|
|
|
|
|
|
| Obtained credit score |
5.0 ( 1.0) |
5.5 ( 1.2) |
0.1 ( 0.1) |
50.3 ( 2.7) |
31.0 ( 2.4) |
8.1 ( 1.4) |
| Did not obtain credit score |
11.8 ( 2.0) |
3.3 ( 0.8) |
1.1 ( 0.5) |
44.7 ( 2.8) |
28.9 ( 2.6) |
10.2 ( 1.6) |
| |
|
|
|
|
|
|
| Disputed information on credit report |
17.3 ( 2.7) |
6.1 ( 1.6) |
0.4 ( 0.3) |
36.2 ( 3.3) |
33.2 ( 3.3) |
6.8 ( 1.6) |
| Did not dispute credit report information |
4.5 ( 1.0) |
3.8 ( 0.8) |
0.7 ( 0.3) |
52.4 ( 2.3) |
28.7 ( 2.1) |
10.0 ( 1.4) |
| |
|
|
|
|
|
|
| Had an auto or mortgage loan |
6.5 ( 1.0) |
4.3 ( 0.8) |
0.5 ( 0.2) |
51.7 ( 2.1) |
29.3 ( 1.9) |
7.7 ( 1.1) |
| Did not have an auto or mortgage loan |
21.8 ( 5.4) |
5.5 ( 1.9) |
1.3 ( 1.3) |
15.9 ( 3.6) |
35.6 ( 5.8) |
19.8 ( 4.2) |
| |
|
|
|
|
|
|
| Was a victim of identity theft |
13.0 ( 3.5) |
19.3 ( 4.0) |
0.6 ( 0.6) |
39.1 ( 5.2) |
19.0 ( 3.8) |
9.0 ( 3.1) |
| Was not a victim of identity theft |
7.6 ( 1.1) |
2.4 ( 0.6) |
0.6 ( 0.3) |
48.8 ( 2.1) |
31.5 ( 1.9) |
9.1 ( 1.1) |
| |
|
|
|
|
|
|
| Obtained credit report due to an adverse action |
57.6 ( 5.1) |
3.2 ( 1.5) |
0.0 ( 0.0) |
15.2 ( 3.5) |
19.8 ( 4.4) |
4.3 ( 1.8) |
| Did not obtain credit report due to an adverse action |
0.0 ( 0.0) |
4.6 ( 0.8) |
0.7 ( 0.3) |
53.1 ( 2.1) |
31.7 ( 1.9) |
9.9 ( 1.2) |