| All respondents |
5.4 ( 0.6) |
40.6 ( 1.4) |
6.6 ( 0.7) |
47.4 ( 1.5) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
3.4 ( 1.7) |
27.3 ( 4.5) |
8.6 ( 2.6) |
60.7 ( 5.0) |
| 25 to 34 |
6.1 ( 1.7) |
36.3 ( 3.4) |
7.1 ( 1.9) |
50.5 ( 3.6) |
| 35 to 44 |
7.7 ( 1.8) |
42.0 ( 3.4) |
7.0 ( 1.7) |
43.3 ( 3.4) |
| 45 to 54 |
5.1 ( 1.3) |
48.5 ( 3.3) |
6.1 ( 1.6) |
40.3 ( 3.2) |
| 55 to 64 |
4.4 ( 1.5) |
46.8 ( 3.7) |
7.2 ( 2.1) |
41.6 ( 3.6) |
| 65 and older |
3.4 ( 0.9) |
40.7 ( 3.3) |
5.7 ( 1.5) |
50.3 ( 3.3) |
| INCOME |
|
|
|
|
| Less than $25000 |
6.0 ( 1.2) |
28.5 ( 2.1) |
7.0 ( 1.3) |
58.5 ( 2.3) |
| $25000 to $49999 |
5.1 ( 1.2) |
40.7 ( 3.0) |
6.5 ( 1.5) |
47.7 ( 3.1) |
| $50000 to $74999 |
6.5 ( 1.7) |
48.1 ( 3.6) |
7.2 ( 1.7) |
38.2 ( 3.5) |
| $75000+ |
4.2 ( 1.3) |
49.4 ( 3.4) |
7.1 ( 1.8) |
39.3 ( 3.4) |
| EDUCATION |
|
|
|
|
| Less than high school |
4.6 ( 1.6) |
24.2 ( 3.3) |
3.4 ( 1.2) |
67.9 ( 3.6) |
| High school |
7.6 ( 1.3) |
33.4 ( 2.4) |
6.9 ( 1.3) |
52.2 ( 2.6) |
| Some post-secondary education |
5.9 ( 1.3) |
43.2 ( 2.8) |
5.4 ( 1.3) |
45.5 ( 2.9) |
| BA or more |
2.9 ( 0.8) |
51.0 ( 2.8) |
8.5 ( 1.5) |
37.6 ( 2.7) |
| ETHNICITY |
|
|
|
|
| White |
4.1 ( 0.8) |
43.6 ( 1.9) |
7.4 ( 1.0) |
44.9 ( 1.9) |
| Black |
10.1 ( 1.9) |
35.1 ( 2.9) |
4.4 ( 1.2) |
50.4 ( 3.0) |
| Hispanic |
7.5 ( 1.6) |
28.9 ( 2.9) |
3.5 ( 1.1) |
60.1 ( 3.1) |
| Other |
6.4 ( 3.0) |
45.0 ( 6.4) |
8.9 ( 3.5) |
39.7 ( 6.2) |
| SEX |
|
|
|
|
| Male |
5.9 ( 1.0) |
40.0 ( 2.3) |
6.8 ( 1.1) |
47.3 ( 2.4) |
| Female |
5.0 ( 0.8) |
41.4 ( 1.8) |
6.4 ( 0.9) |
47.3 ( 1.8) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
5.2 ( 0.9) |
42.5 ( 1.9) |
7.0 ( 1.0) |
45.3 ( 2.0) |
| Student |
5.0 ( 2.6) |
20.6 ( 6.7) |
12.9 ( 5.2) |
61.5 ( 8.0) |
| Not employed (homemaker, retired, unemployed) |
5.4 ( 1.0) |
39.0 ( 2.3) |
5.6 ( 1.1) |
49.9 ( 2.3) |
| Other |
6.7 ( 2.4) |
42.6 ( 6.3) |
2.7 ( 2.0) |
48.1 ( 6.5) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
6.1 ( 1.3) |
39.5 ( 3.0) |
9.0 ( 1.9) |
45.4 ( 3.1) |
| Resident of another state |
5.3 ( 0.7) |
40.8 ( 1.6) |
6.2 ( 0.8) |
47.7 ( 1.6) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
6.6 ( 0.9) |
47.3 ( 1.9) |
6.7 ( 0.9) |
39.4 ( 1.9) |
| Did not obtain a credit report |
3.8 ( 0.8) |
31.5 ( 2.1) |
6.3 ( 1.1) |
58.4 ( 2.2) |
| |
|
|
|
|
| Obtained credit score |
6.6 ( 1.3) |
50.1 ( 2.5) |
6.3 ( 1.2) |
37.0 ( 2.5) |
| Did not obtain credit score |
4.8 ( 0.7) |
36.0 ( 1.7) |
6.7 ( 0.9) |
52.5 ( 1.8) |
| |
|
|
|
|
| Disputed information on credit report |
6.6 ( 1.5) |
55.4 ( 3.3) |
8.6 ( 1.8) |
29.3 ( 3.1) |
| Did not dispute credit report information |
5.1 ( 0.7) |
37.4 ( 1.6) |
6.1 ( 0.8) |
51.4 ( 1.6) |
| |
|
|
|
|
| Had an auto or mortgage loan |
5.3 ( 0.7) |
45.5 ( 1.7) |
6.7 ( 0.8) |
42.4 ( 1.7) |
| Did not have an auto or mortgage loan |
5.7 ( 1.3) |
24.1 ( 2.5) |
6.0 ( 1.3) |
64.2 ( 2.8) |
| |
|
|
|
|
| Was a victim of identity theft |
9.5 ( 3.0) |
44.6 ( 4.4) |
6.1 ( 2.0) |
39.8 ( 4.2) |
| Was not a victim of identity theft |
5.0 ( 0.6) |
40.2 ( 1.5) |
6.6 ( 0.8) |
48.2 ( 1.5) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
5.9 ( 2.0) |
45.3 ( 5.2) |
5.3 ( 2.1) |
43.5 ( 5.2) |
| Did not obtain credit report due to an adverse action |
5.4 ( 0.7) |
40.2 ( 1.5) |
6.7 ( 0.8) |
47.8 ( 1.5) |