| All respondents |
9.2 ( 0.8) |
28.1 ( 1.3) |
2.3 ( 0.4) |
60.4 ( 1.4) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
8.9 ( 2.6) |
21.6 ( 4.2) |
1.4 ( 1.1) |
68.2 ( 4.7) |
| 25 to 34 |
8.0 ( 2.0) |
28.6 ( 3.2) |
3.7 ( 1.4) |
59.7 ( 3.5) |
| 35 to 44 |
9.2 ( 1.8) |
32.2 ( 3.2) |
2.6 ( 1.2) |
56.0 ( 3.4) |
| 45 to 54 |
9.9 ( 1.9) |
30.5 ( 3.0) |
0.9 ( 0.7) |
58.7 ( 3.2) |
| 55 to 64 |
10.0 ( 2.2) |
25.1 ( 3.3) |
0.8 ( 0.5) |
64.0 ( 3.6) |
| 65 and older |
7.8 ( 1.7) |
25.9 ( 3.0) |
3.3 ( 1.0) |
63.0 ( 3.2) |
| INCOME |
|
|
|
|
| Less than $25000 |
11.6 ( 1.4) |
20.0 ( 1.8) |
3.0 ( 0.7) |
65.3 ( 2.2) |
| $25000 to $49999 |
6.7 ( 1.5) |
30.2 ( 2.8) |
2.3 ( 1.0) |
60.8 ( 3.0) |
| $50000 to $74999 |
8.0 ( 1.9) |
33.9 ( 3.4) |
1.3 ( 0.6) |
56.8 ( 3.5) |
| $75000+ |
9.6 ( 2.0) |
33.5 ( 3.3) |
1.5 ( 1.1) |
55.3 ( 3.4) |
| EDUCATION |
|
|
|
|
| Less than high school |
8.6 ( 2.0) |
15.9 ( 2.8) |
4.3 ( 1.4) |
71.2 ( 3.4) |
| High school |
10.3 ( 1.5) |
25.4 ( 2.3) |
2.1 ( 0.8) |
62.2 ( 2.5) |
| Some post-secondary education |
8.9 ( 1.5) |
28.1 ( 2.5) |
2.8 ( 1.0) |
60.2 ( 2.8) |
| BA or more |
8.4 ( 1.6) |
35.1 ( 2.6) |
1.3 ( 0.6) |
55.2 ( 2.7) |
| ETHNICITY |
|
|
|
|
| White |
8.4 ( 1.0) |
28.6 ( 1.7) |
2.0 ( 0.5) |
61.0 ( 1.9) |
| Black |
14.2 ( 2.0) |
31.2 ( 2.8) |
2.9 ( 1.3) |
51.7 ( 3.0) |
| Hispanic |
7.5 ( 1.8) |
22.4 ( 2.6) |
2.3 ( 0.9) |
67.8 ( 2.9) |
| Other |
12.4 ( 4.3) |
29.8 ( 5.9) |
4.8 ( 2.8) |
53.0 ( 6.4) |
| SEX |
|
|
|
|
| Male |
8.8 ( 1.3) |
30.0 ( 2.1) |
3.0 ( 0.8) |
58.3 ( 2.3) |
| Female |
9.4 ( 1.0) |
26.6 ( 1.6) |
1.7 ( 0.4) |
62.4 ( 1.7) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
8.9 ( 1.1) |
30.2 ( 1.8) |
2.2 ( 0.6) |
58.6 ( 1.9) |
| Student |
13.6 ( 6.1) |
24.7 ( 7.0) |
4.9 ( 3.6) |
56.7 ( 8.4) |
| Not employed (homemaker, retired, unemployed) |
9.3 ( 1.3) |
26.0 ( 2.1) |
2.4 ( 0.7) |
62.3 ( 2.3) |
| Other |
7.6 ( 3.4) |
18.7 ( 5.2) |
0.0 ( 0.0) |
73.7 ( 5.8) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
8.4 ( 1.8) |
33.4 ( 2.9) |
1.3 ( 0.7) |
56.9 ( 3.1) |
| Resident of another state |
9.3 ( 0.9) |
27.4 ( 1.4) |
2.4 ( 0.5) |
60.9 ( 1.6) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
7.5 ( 0.9) |
35.3 ( 1.8) |
1.8 ( 0.5) |
55.4 ( 1.9) |
| Did not obtain a credit report |
11.6 ( 1.4) |
18.3 ( 1.8) |
3.0 ( 0.8) |
67.1 ( 2.1) |
| |
|
|
|
|
| Obtained credit score |
7.6 ( 1.3) |
39.0 ( 2.5) |
2.3 ( 0.9) |
51.1 ( 2.5) |
| Did not obtain credit score |
10.0 ( 1.0) |
22.8 ( 1.5) |
2.3 ( 0.5) |
64.9 ( 1.7) |
| |
|
|
|
|
| Disputed information on credit report |
6.0 ( 1.4) |
48.2 ( 3.4) |
0.6 ( 0.5) |
45.2 ( 3.3) |
| Did not dispute credit report information |
9.9 ( 0.9) |
23.7 ( 1.4) |
2.7 ( 0.5) |
63.7 ( 1.6) |
| |
|
|
|
|
| Had an auto or mortgage loan |
8.6 ( 0.9) |
30.5 ( 1.6) |
2.1 ( 0.5) |
58.8 ( 1.7) |
| Did not have an auto or mortgage loan |
11.2 ( 1.8) |
20.2 ( 2.3) |
3.0 ( 0.8) |
65.5 ( 2.7) |
| |
|
|
|
|
| Was a victim of identity theft |
9.5 ( 2.5) |
34.5 ( 4.1) |
4.9 ( 2.4) |
51.2 ( 4.4) |
| Was not a victim of identity theft |
9.2 ( 0.9) |
27.4 ( 1.4) |
2.0 ( 0.4) |
61.4 ( 1.5) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
10.3 ( 3.0) |
40.5 ( 5.1) |
1.5 ( 0.9) |
47.7 ( 5.2) |
| Did not obtain credit report due to an adverse action |
9.1 ( 0.8) |
27.0 ( 1.4) |
2.4 ( 0.5) |
61.5 ( 1.5) |