| All respondents |
19.9 ( 1.2) |
40.3 ( 1.4) |
39.8 ( 1.4) |
| AGE GROUP |
|
|
|
| 18 to 24 |
26.1 ( 4.6) |
29.1 ( 4.8) |
44.7 ( 5.1) |
| 25 to 34 |
21.5 ( 2.9) |
39.6 ( 3.5) |
39.0 ( 3.5) |
| 35 to 44 |
19.7 ( 2.7) |
46.5 ( 3.4) |
33.8 ( 3.3) |
| 45 to 54 |
18.7 ( 2.5) |
43.8 ( 3.3) |
37.5 ( 3.2) |
| 55 to 64 |
16.3 ( 2.6) |
49.3 ( 3.7) |
34.4 ( 3.5) |
| 65 and older |
18.6 ( 2.6) |
32.5 ( 3.1) |
48.9 ( 3.3) |
| INCOME |
|
|
|
| Less than $25000 |
22.7 ( 1.9) |
32.0 ( 2.1) |
45.2 ( 2.3) |
| $25000 to $49999 |
19.3 ( 2.3) |
39.7 ( 3.1) |
40.9 ( 3.1) |
| $50000 to $74999 |
18.6 ( 2.9) |
46.8 ( 3.5) |
34.6 ( 3.4) |
| $75000+ |
19.3 ( 2.9) |
47.7 ( 3.4) |
33.0 ( 3.2) |
| EDUCATION |
|
|
|
| Less than high school |
29.3 ( 3.4) |
17.5 ( 2.8) |
53.2 ( 3.7) |
| High school |
21.4 ( 2.1) |
34.0 ( 2.4) |
44.6 ( 2.5) |
| Some post-secondary education |
22.8 ( 2.6) |
39.1 ( 2.7) |
38.1 ( 2.8) |
| BA or more |
12.5 ( 1.8) |
55.2 ( 2.7) |
32.3 ( 2.6) |
| ETHNICITY |
|
|
|
| White |
17.1 ( 1.5) |
42.8 ( 1.9) |
40.1 ( 1.9) |
| Black |
21.1 ( 2.5) |
42.6 ( 3.0) |
36.3 ( 2.9) |
| Hispanic |
32.7 ( 3.0) |
22.9 ( 2.6) |
44.4 ( 3.1) |
| Other |
19.4 ( 5.0) |
48.7 ( 6.4) |
31.9 ( 5.8) |
| SEX |
|
|
|
| Male |
19.6 ( 1.9) |
44.4 ( 2.3) |
36.0 ( 2.3) |
| Female |
20.2 ( 1.4) |
36.7 ( 1.7) |
43.1 ( 1.8) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
20.0 ( 1.6) |
43.5 ( 1.9) |
36.5 ( 1.9) |
| Student |
19.0 ( 6.4) |
49.5 ( 8.5) |
31.5 ( 7.4) |
| Not employed (homemaker, retired, unemployed) |
21.0 ( 1.9) |
33.6 ( 2.2) |
45.3 ( 2.3) |
| Other |
11.6 ( 3.9) |
35.3 ( 5.8) |
53.1 ( 6.4) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
19.4 ( 2.4) |
42.0 ( 3.0) |
38.7 ( 3.1) |
| Resident of another state |
20.0 ( 1.3) |
40.0 ( 1.6) |
40.0 ( 1.6) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
18.0 ( 1.5) |
48.5 ( 1.9) |
33.6 ( 1.8) |
| Did not obtain a credit report |
22.5 ( 1.9) |
29.1 ( 2.1) |
48.4 ( 2.2) |
| |
|
|
|
| Obtained credit score |
16.2 ( 1.9) |
51.9 ( 2.5) |
31.9 ( 2.4) |
| Did not obtain credit score |
21.7 ( 1.5) |
34.6 ( 1.7) |
43.7 ( 1.8) |
| |
|
|
|
| Disputed information on credit report |
13.3 ( 2.1) |
59.2 ( 3.3) |
27.5 ( 3.0) |
| Did not dispute credit report information |
21.3 ( 1.3) |
36.1 ( 1.6) |
42.5 ( 1.6) |
| |
|
|
|
| Had an auto or mortgage loan |
17.9 ( 1.3) |
44.3 ( 1.7) |
37.8 ( 1.6) |
| Did not have an auto or mortgage loan |
26.6 ( 2.6) |
26.8 ( 2.7) |
46.6 ( 3.0) |
| |
|
|
|
| Was a victim of identity theft |
17.1 ( 3.4) |
53.5 ( 4.4) |
29.4 ( 3.9) |
| Was not a victim of identity theft |
20.2 ( 1.2) |
38.8 ( 1.5) |
41.0 ( 1.5) |
| |
|
|
|
| Obtained credit report due to an adverse action |
19.9 ( 3.5) |
43.5 ( 5.2) |
36.7 ( 5.2) |
| Did not obtain credit report due to an adverse action |
19.9 ( 1.2) |
40.0 ( 1.5) |
40.1 ( 1.5) |