| All respondents |
34.3 ( 1.4) |
10.2 ( 0.8) |
5.9 ( 0.7) |
49.6 ( 1.5) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
28.2 ( 4.6) |
10.6 ( 2.6) |
1.0 ( 0.7) |
60.2 ( 4.9) |
| 25 to 34 |
32.6 ( 3.3) |
9.1 ( 1.9) |
7.0 ( 2.0) |
51.2 ( 3.6) |
| 35 to 44 |
37.9 ( 3.3) |
8.7 ( 1.8) |
9.2 ( 2.0) |
44.2 ( 3.4) |
| 45 to 54 |
40.8 ( 3.2) |
10.6 ( 2.0) |
4.2 ( 1.3) |
44.4 ( 3.2) |
| 55 to 64 |
41.2 ( 3.7) |
12.4 ( 2.4) |
3.8 ( 1.5) |
42.6 ( 3.6) |
| 65 and older |
26.8 ( 3.0) |
9.8 ( 1.9) |
6.0 ( 1.6) |
57.4 ( 3.3) |
| INCOME |
|
|
|
|
| Less than $25000 |
26.4 ( 2.0) |
11.9 ( 1.5) |
3.9 ( 0.8) |
57.8 ( 2.3) |
| $25000 to $49999 |
33.8 ( 2.9) |
12.0 ( 1.9) |
5.6 ( 1.5) |
48.7 ( 3.1) |
| $50000 to $74999 |
38.8 ( 3.5) |
7.1 ( 1.7) |
7.1 ( 1.9) |
47.0 ( 3.6) |
| $75000+ |
43.3 ( 3.4) |
9.0 ( 1.9) |
7.0 ( 1.8) |
40.6 ( 3.4) |
| EDUCATION |
|
|
|
|
| Less than high school |
15.1 ( 2.7) |
11.2 ( 2.4) |
4.8 ( 1.5) |
68.8 ( 3.4) |
| High school |
28.4 ( 2.3) |
12.1 ( 1.6) |
5.1 ( 1.3) |
54.3 ( 2.5) |
| Some post-secondary education |
36.4 ( 2.7) |
9.9 ( 1.5) |
6.8 ( 1.4) |
47.0 ( 2.9) |
| BA or more |
44.6 ( 2.7) |
8.3 ( 1.5) |
6.1 ( 1.3) |
41.1 ( 2.7) |
| ETHNICITY |
|
|
|
|
| White |
37.3 ( 1.8) |
8.5 ( 1.0) |
6.5 ( 1.0) |
47.6 ( 1.9) |
| Black |
38.3 ( 3.0) |
13.2 ( 2.1) |
5.3 ( 1.3) |
43.2 ( 3.0) |
| Hispanic |
17.2 ( 2.3) |
12.6 ( 2.1) |
4.2 ( 1.2) |
66.0 ( 3.0) |
| Other |
30.1 ( 5.7) |
19.3 ( 5.3) |
2.9 ( 2.1) |
47.8 ( 6.4) |
| SEX |
|
|
|
|
| Male |
32.6 ( 2.2) |
9.4 ( 1.2) |
8.0 ( 1.3) |
50.0 ( 2.4) |
| Female |
36.1 ( 1.7) |
11.0 ( 1.1) |
3.9 ( 0.7) |
49.0 ( 1.8) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
37.5 ( 1.9) |
9.6 ( 1.1) |
6.2 ( 1.0) |
46.7 ( 2.0) |
| Student |
37.1 ( 8.0) |
14.6 ( 5.2) |
3.4 ( 2.4) |
44.9 ( 8.7) |
| Not employed (homemaker, retired, unemployed) |
28.7 ( 2.1) |
10.7 ( 1.4) |
5.9 ( 1.2) |
54.7 ( 2.3) |
| Other |
27.1 ( 5.5) |
11.7 ( 3.7) |
3.6 ( 2.2) |
57.6 ( 6.2) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
38.7 ( 3.0) |
11.4 ( 1.9) |
5.1 ( 1.4) |
44.8 ( 3.1) |
| Resident of another state |
33.6 ( 1.5) |
10.0 ( 0.9) |
6.0 ( 0.8) |
50.3 ( 1.6) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
41.8 ( 1.9) |
9.5 ( 1.1) |
7.3 ( 1.0) |
41.4 ( 1.9) |
| Did not obtain a credit report |
24.0 ( 2.0) |
11.2 ( 1.3) |
3.9 ( 0.9) |
60.9 ( 2.2) |
| |
|
|
|
|
| Obtained credit score |
45.5 ( 2.5) |
8.3 ( 1.4) |
8.7 ( 1.6) |
37.6 ( 2.5) |
| Did not obtain credit score |
28.8 ( 1.6) |
11.2 ( 1.0) |
4.5 ( 0.7) |
55.5 ( 1.8) |
| |
|
|
|
|
| Disputed information on credit report |
46.5 ( 3.3) |
10.3 ( 2.0) |
8.6 ( 2.0) |
34.6 ( 3.3) |
| Did not dispute credit report information |
31.6 ( 1.5) |
10.2 ( 0.9) |
5.3 ( 0.8) |
52.9 ( 1.6) |
| |
|
|
|
|
| Had an auto or mortgage loan |
37.2 ( 1.6) |
9.2 ( 0.9) |
6.9 ( 0.9) |
46.7 ( 1.7) |
| Did not have an auto or mortgage loan |
24.6 ( 2.5) |
13.4 ( 1.8) |
2.6 ( 0.8) |
59.4 ( 2.9) |
| |
|
|
|
|
| Was a victim of identity theft |
40.8 ( 4.3) |
14.1 ( 3.0) |
13.4 ( 3.1) |
31.7 ( 4.0) |
| Was not a victim of identity theft |
33.6 ( 1.5) |
9.8 ( 0.9) |
5.1 ( 0.7) |
51.6 ( 1.5) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
36.9 ( 5.0) |
13.7 ( 3.4) |
4.9 ( 2.3) |
44.5 ( 5.2) |
| Did not obtain credit report due to an adverse action |
34.1 ( 1.4) |
9.9 ( 0.8) |
6.0 ( 0.8) |
50.1 ( 1.5) |