| All respondents |
8.9 ( 1.3) |
4.8 ( 0.9) |
0.6 ( 0.2) |
46.3 ( 2.2) |
29.0 ( 2.0) |
10.4 ( 1.3) |
| AGE GROUP |
|
|
|
|
|
|
| 18 to 24 |
29.4 (12.4) |
1.6 ( 1.6) |
2.0 ( 2.1) |
31.6 (10.6) |
31.5 (12.5) |
3.9 ( 2.8) |
| 25 to 34 |
7.0 ( 2.0) |
4.0 ( 1.5) |
1.0 ( 0.7) |
45.8 ( 4.8) |
28.7 ( 4.4) |
13.4 ( 3.4) |
| 35 to 44 |
7.5 ( 2.5) |
4.1 ( 1.7) |
0.6 ( 0.5) |
50.7 ( 4.5) |
27.9 ( 4.0) |
9.3 ( 2.5) |
| 45 to 54 |
9.0 ( 2.5) |
3.3 ( 1.8) |
0.4 ( 0.4) |
55.3 ( 4.5) |
22.0 ( 3.6) |
10.1 ( 2.9) |
| 55 to 64 |
10.8 ( 3.3) |
8.5 ( 3.0) |
0.0 ( 0.0) |
43.1 ( 5.2) |
31.8 ( 4.9) |
5.8 ( 2.1) |
| 65 and older |
7.4 ( 2.7) |
9.0 ( 3.7) |
0.0 ( 0.0) |
28.4 ( 5.7) |
35.9 ( 5.7) |
19.2 ( 5.0) |
| INCOME |
|
|
|
|
|
|
| Less than $25000 |
10.7 ( 2.3) |
3.5 ( 1.4) |
0.6 ( 0.6) |
41.4 ( 4.0) |
32.2 ( 3.9) |
11.5 ( 2.4) |
| $25000 to $49999 |
14.6 ( 3.5) |
2.1 ( 1.1) |
0.9 ( 0.6) |
49.0 ( 4.6) |
24.2 ( 4.3) |
9.3 ( 2.5) |
| $50000 to $74999 |
6.8 ( 2.4) |
9.4 ( 2.6) |
1.1 ( 0.6) |
38.9 ( 4.7) |
31.3 ( 4.2) |
12.5 ( 3.3) |
| $75000+ |
4.7 ( 2.1) |
5.4 ( 1.8) |
0.0 ( 0.0) |
49.9 ( 4.3) |
29.9 ( 3.9) |
10.1 ( 2.7) |
| EDUCATION |
|
|
|
|
|
|
| Less than high school |
12.9 ( 4.7) |
1.6 ( 1.6) |
1.5 ( 1.5) |
55.9 ( 7.8) |
19.1 ( 5.6) |
9.1 ( 5.8) |
| High school |
9.7 ( 2.4) |
4.7 ( 1.7) |
1.2 ( 0.7) |
43.1 ( 4.0) |
31.1 ( 3.9) |
10.1 ( 2.4) |
| Some post-secondary education |
11.9 ( 2.9) |
6.7 ( 1.8) |
0.3 ( 0.3) |
43.5 ( 4.0) |
27.2 ( 3.6) |
10.4 ( 2.2) |
| BA or more |
5.0 ( 1.6) |
3.6 ( 1.3) |
0.2 ( 0.2) |
49.8 ( 3.7) |
30.4 ( 3.3) |
10.9 ( 2.4) |
| ETHNICITY |
|
|
|
|
|
|
| White |
6.7 ( 1.6) |
4.7 ( 1.1) |
0.0 ( 0.0) |
46.5 ( 2.8) |
31.5 ( 2.6) |
10.6 ( 1.7) |
| Black |
15.1 ( 2.9) |
4.5 ( 1.7) |
1.8 ( 1.0) |
33.4 ( 3.9) |
34.0 ( 3.9) |
11.2 ( 2.7) |
| Hispanic |
11.3 ( 3.1) |
5.0 ( 2.0) |
2.9 ( 1.7) |
60.4 ( 4.9) |
13.8 ( 3.4) |
6.7 ( 2.4) |
| Other |
16.4 ( 7.8) |
7.1 ( 4.9) |
0.0 ( 0.0) |
48.6 ( 9.4) |
13.2 ( 5.5) |
14.7 ( 7.9) |
| SEX |
|
|
|
|
|
|
| Male |
8.5 ( 2.1) |
3.3 ( 1.0) |
0.3 ( 0.3) |
45.7 ( 3.4) |
31.8 ( 3.2) |
10.4 ( 2.1) |
| Female |
9.3 ( 1.6) |
6.3 ( 1.4) |
0.9 ( 0.4) |
46.5 ( 2.7) |
26.5 ( 2.3) |
10.5 ( 1.6) |
| EMPLOYMENT STATUS |
|
|
|
|
|
|
| Actively employed (FT or PT) |
7.8 ( 1.4) |
4.3 ( 1.0) |
0.7 ( 0.3) |
48.9 ( 2.7) |
27.3 ( 2.4) |
11.0 ( 1.7) |
| Student |
3.0 ( 3.1) |
0.0 ( 0.0) |
0.0 ( 0.0) |
25.8 (13.1) |
55.9 (16.4) |
15.3 ( 8.8) |
| Not employed (homemaker, retired, unemployed) |
10.0 ( 3.0) |
6.3 ( 1.9) |
0.4 ( 0.4) |
42.4 ( 4.0) |
31.6 ( 3.6) |
9.3 ( 2.4) |
| Other |
20.8 ( 8.5) |
6.7 ( 4.3) |
0.0 ( 0.0) |
41.0 ( 9.4) |
26.4 ( 8.9) |
5.0 ( 3.7) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
4.3 ( 1.4) |
3.8 ( 1.5) |
0.5 ( 0.5) |
41.0 ( 4.0) |
42.3 ( 4.0) |
8.0 ( 2.1) |
| Resident of another state |
9.7 ( 1.5) |
5.0 ( 1.0) |
0.6 ( 0.3) |
47.3 ( 2.5) |
26.6 ( 2.2) |
10.9 ( 1.5) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
|
|
| Obtained a credit report |
8.9 ( 1.3) |
4.8 ( 0.9) |
0.6 ( 0.2) |
46.3 ( 2.2) |
29.0 ( 2.0) |
10.4 ( 1.3) |
| Did not obtain a credit report |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
| |
|
|
|
|
|
|
| Obtained credit score |
5.7 ( 1.3) |
6.1 ( 1.4) |
0.2 ( 0.2) |
49.2 ( 3.0) |
29.3 ( 2.7) |
9.5 ( 1.8) |
| Did not obtain credit score |
12.1 ( 2.2) |
3.5 ( 1.0) |
1.0 ( 0.4) |
43.2 ( 3.1) |
28.8 ( 2.9) |
11.3 ( 1.9) |
| |
|
|
|
|
|
|
| Disputed information on credit report |
18.4 ( 3.1) |
7.0 ( 2.0) |
0.6 ( 0.4) |
36.2 ( 3.7) |
30.8 ( 3.6) |
6.9 ( 1.9) |
| Did not dispute credit report information |
4.8 ( 1.2) |
3.9 ( 0.9) |
0.6 ( 0.3) |
50.6 ( 2.6) |
28.3 ( 2.4) |
11.9 ( 1.7) |
| |
|
|
|
|
|
|
| Had an auto or mortgage loan |
6.7 ( 1.1) |
4.8 ( 1.0) |
0.6 ( 0.3) |
50.4 ( 2.3) |
28.2 ( 2.1) |
9.3 ( 1.4) |
| Did not have an auto or mortgage loan |
25.2 ( 6.3) |
5.1 ( 2.0) |
0.0 ( 0.0) |
15.9 ( 4.2) |
35.2 ( 6.6) |
18.6 ( 4.4) |
| |
|
|
|
|
|
|
| Was a victim of identity theft |
16.6 ( 4.5) |
21.8 ( 4.9) |
0.8 ( 0.8) |
33.5 ( 5.7) |
16.1 ( 3.8) |
11.3 ( 4.0) |
| Was not a victim of identity theft |
7.9 ( 1.3) |
2.6 ( 0.7) |
0.5 ( 0.2) |
48.0 ( 2.3) |
30.7 ( 2.2) |
10.3 ( 1.4) |
| |
|
|
|
|
|
|
| Obtained credit report due to an adverse action |
53.2 ( 5.5) |
3.4 ( 1.7) |
0.0 ( 0.0) |
16.6 ( 3.8) |
21.6 ( 4.7) |
5.2 ( 2.1) |
| Did not obtain credit report due to an adverse action |
0.0 ( 0.0) |
5.1 ( 1.0) |
0.7 ( 0.3) |
52.2 ( 2.4) |
30.5 ( 2.2) |
11.5 ( 1.5) |