| All respondents |
36.6 ( 1.8) |
42.1 ( 1.9) |
14.3 ( 1.3) |
4.5 ( 0.8) |
2.5 ( 0.7) |
| AGE GROUP |
|
|
|
|
|
| 18 to 24 |
43.2 (10.5) |
43.7 (11.5) |
1.9 ( 1.9) |
6.7 ( 5.1) |
4.5 ( 4.4) |
| 25 to 34 |
34.4 ( 4.1) |
42.8 ( 4.4) |
16.0 ( 3.0) |
4.0 ( 1.9) |
2.8 ( 1.6) |
| 35 to 44 |
31.8 ( 3.7) |
47.5 ( 4.0) |
13.8 ( 2.8) |
5.5 ( 1.7) |
1.4 ( 1.2) |
| 45 to 54 |
39.0 ( 3.9) |
39.6 ( 3.9) |
16.4 ( 3.0) |
3.2 ( 1.3) |
1.7 ( 1.0) |
| 55 to 64 |
28.4 ( 4.2) |
47.6 ( 4.8) |
14.8 ( 3.5) |
6.6 ( 2.2) |
2.6 ( 1.8) |
| 65 and older |
51.0 ( 5.3) |
28.2 ( 4.6) |
12.4 ( 3.6) |
3.9 ( 1.9) |
4.4 ( 2.5) |
| INCOME |
|
|
|
|
|
| Less than $25000 |
40.5 ( 3.6) |
34.0 ( 3.4) |
15.9 ( 2.5) |
7.6 ( 2.1) |
2.1 ( 0.9) |
| $25000 to $49999 |
35.4 ( 3.8) |
43.5 ( 4.2) |
12.2 ( 2.5) |
5.7 ( 1.7) |
3.2 ( 1.5) |
| $50000 to $74999 |
35.9 ( 3.9) |
45.1 ( 4.1) |
14.9 ( 2.9) |
2.1 ( 1.0) |
1.9 ( 1.4) |
| $75000+ |
36.3 ( 3.7) |
42.5 ( 3.8) |
14.7 ( 2.9) |
3.7 ( 1.7) |
2.7 ( 1.4) |
| EDUCATION |
|
|
|
|
|
| Less than high school |
30.3 ( 6.4) |
37.0 ( 7.4) |
11.6 ( 4.3) |
10.5 ( 5.4) |
10.5 ( 4.5) |
| High school |
37.6 ( 3.4) |
37.7 ( 3.6) |
14.7 ( 2.6) |
6.9 ( 1.9) |
3.1 ( 1.4) |
| Some post-secondary education |
34.3 ( 3.2) |
47.7 ( 3.5) |
12.2 ( 2.2) |
3.9 ( 1.4) |
1.9 ( 1.0) |
| BA or more |
38.7 ( 3.2) |
41.0 ( 3.2) |
16.1 ( 2.4) |
2.4 ( 0.9) |
1.7 ( 1.0) |
| ETHNICITY |
|
|
|
|
|
| White |
36.7 ( 2.3) |
42.9 ( 2.4) |
13.3 ( 1.6) |
3.9 ( 0.9) |
3.1 ( 0.9) |
| Black |
37.5 ( 3.6) |
41.2 ( 3.7) |
14.5 ( 2.6) |
5.9 ( 1.8) |
0.9 ( 0.7) |
| Hispanic |
35.7 ( 4.5) |
40.8 ( 4.8) |
16.3 ( 3.7) |
5.9 ( 2.1) |
1.3 ( 0.9) |
| Other |
34.2 ( 7.8) |
35.7 ( 8.3) |
24.2 ( 7.5) |
5.8 ( 4.8) |
0.0 ( 0.0) |
| SEX |
|
|
|
|
|
| Male |
31.7 ( 2.8) |
44.8 ( 3.1) |
15.5 ( 2.2) |
5.5 ( 1.4) |
2.5 ( 1.1) |
| Female |
41.4 ( 2.4) |
39.4 ( 2.4) |
13.2 ( 1.6) |
3.5 ( 0.8) |
2.5 ( 0.8) |
| EMPLOYMENT STATUS |
|
|
|
|
|
| Actively employed (FT or PT) |
35.9 ( 2.3) |
44.2 ( 2.4) |
14.2 ( 1.7) |
4.8 ( 1.0) |
0.9 ( 0.5) |
| Student |
34.1 (12.8) |
47.5 (15.2) |
18.4 ( 9.1) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| Not employed (homemaker, retired, unemployed) |
40.2 ( 3.5) |
35.0 ( 3.5) |
14.3 ( 2.4) |
4.2 ( 1.5) |
6.4 ( 2.0) |
| Other |
29.8 ( 7.7) |
47.5 ( 8.5) |
13.3 ( 4.9) |
3.6 ( 2.2) |
5.8 ( 4.6) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
41.0 ( 3.6) |
40.8 ( 3.7) |
12.5 ( 2.4) |
5.0 ( 1.7) |
0.8 ( 0.5) |
| Resident of another state |
35.9 ( 2.0) |
42.3 ( 2.2) |
14.6 ( 1.5) |
4.4 ( 0.9) |
2.8 ( 0.8) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
|
| Obtained a credit report |
36.6 ( 1.8) |
42.1 ( 1.9) |
14.3 ( 1.3) |
4.5 ( 0.8) |
2.5 ( 0.7) |
| Did not obtain a credit report |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
| |
|
|
|
|
|
| Obtained credit score |
36.7 ( 2.5) |
44.0 ( 2.6) |
13.9 ( 1.9) |
2.8 ( 1.0) |
2.6 ( 1.0) |
| Did not obtain credit score |
36.5 ( 2.6) |
40.0 ( 2.8) |
14.7 ( 1.9) |
6.3 ( 1.3) |
2.5 ( 0.8) |
| |
|
|
|
|
|
| Disputed information on credit report |
36.7 ( 3.4) |
42.6 ( 3.5) |
14.9 ( 2.4) |
4.7 ( 1.5) |
1.0 ( 0.8) |
| Did not dispute credit report information |
36.6 ( 2.2) |
41.9 ( 2.3) |
14.0 ( 1.6) |
4.4 ( 0.9) |
3.2 ( 0.9) |
| |
|
|
|
|
|
| Had an auto or mortgage loan |
36.0 ( 1.9) |
42.6 ( 2.0) |
14.7 ( 1.5) |
4.4 ( 0.8) |
2.3 ( 0.7) |
| Did not have an auto or mortgage loan |
41.4 ( 5.4) |
38.5 ( 6.1) |
11.0 ( 2.7) |
5.0 ( 2.3) |
4.2 ( 2.2) |
| |
|
|
|
|
|
| Was a victim of identity theft |
34.0 ( 4.9) |
40.1 ( 5.0) |
17.9 ( 4.2) |
8.1 ( 2.7) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
37.0 ( 2.0) |
42.4 ( 2.1) |
13.8 ( 1.4) |
4.0 ( 0.8) |
2.9 ( 0.7) |
| |
|
|
|
|
|
| Obtained credit report due to an adverse action |
34.0 ( 4.7) |
46.2 ( 5.3) |
14.8 ( 3.5) |
3.4 ( 1.3) |
1.6 ( 1.6) |
| Did not obtain credit report due to an adverse action |
37.1 ( 2.0) |
41.4 ( 2.1) |
14.2 ( 1.4) |
4.6 ( 0.9) |
2.7 ( 0.7) |