Q35: What type of information did you dispute? (of those who said 'yes' to Q34)

Demographic and experience categories incorr. balance info incorr. late payments incorr. payment history incorr. personal info incorr. credit card info incorr. bill info things that were not mine identity theft incorr. info from a former spouse incorr. bankrupcy info other
All respondents 7.1 ( 1.9) 14.3 ( 2.5) 13.9 ( 2.3) 9.8 ( 1.9) 12.6 ( 2.2) 13.1 ( 2.3) 16.7 ( 2.3) 1.8 ( 0.8) 3.3 ( 1.3) 3.9 ( 1.4) 3.5 ( 1.1)
AGE GROUP                      
18 to 24 6.2 ( 6.2) 16.6 (14.8) 0.0 ( 0.0) 29.5 (16.1) 14.8 (13.5) 6.2 ( 6.2) 26.8 (15.3) 0.0 ( 0.0) 0.0 ( 0.0) 0.0 ( 0.0) 0.0 ( 0.0)
25 to 34 8.5 ( 5.6) 25.3 ( 8.5) 8.9 ( 3.7) 3.4 ( 2.5) 3.8 ( 2.8) 8.5 ( 3.6) 21.7 ( 6.2) 1.3 ( 1.3) 6.2 ( 4.2) 7.9 ( 5.7) 4.6 ( 3.5)
35 to 44 9.5 ( 4.4) 11.7 ( 4.3) 17.3 ( 5.2) 7.3 ( 3.6) 15.4 ( 5.3) 14.3 ( 5.4) 15.3 ( 4.4) 1.8 ( 1.2) 3.0 ( 2.9) 2.2 ( 2.1) 2.2 ( 1.6)
45 to 54 7.3 ( 3.5) 12.8 ( 4.6) 11.7 ( 4.6) 3.8 ( 1.9) 17.3 ( 5.0) 16.2 ( 4.8) 15.1 ( 4.4) 0.9 ( 0.9) 3.9 ( 3.0) 6.1 ( 3.2) 5.0 ( 2.7)
55 to 64 0.9 ( 0.9) 10.6 ( 4.6) 23.7 ( 6.3) 20.8 ( 6.2) 8.5 ( 4.1) 15.9 ( 5.7) 9.2 ( 4.0) 2.7 ( 2.7) 2.7 ( 2.6) 2.7 ( 2.7) 2.2 ( 2.2)
65 and older 3.5 ( 2.7) 4.4 ( 4.3) 7.6 ( 5.5) 18.7 ( 8.1) 13.6 ( 7.2) 12.1 ( 6.8) 24.4 ( 8.8) 5.4 ( 5.2) 1.8 ( 1.8) 3.0 ( 2.9) 5.5 ( 3.8)
INCOME                      
Less than $25000 7.8 ( 3.8) 5.5 ( 2.8) 26.1 ( 5.9) 7.5 ( 3.3) 10.8 ( 4.5) 17.1 ( 4.8) 17.6 ( 5.0) 0.0 ( 0.0) 1.1 ( 1.1) 1.8 ( 1.8) 4.6 ( 2.6)
$25000 to $49999 4.2 ( 4.1) 22.5 ( 6.7) 5.6 ( 3.1) 12.9 ( 4.8) 13.5 ( 4.6) 10.9 ( 3.8) 12.9 ( 3.8) 3.1 ( 2.3) 5.5 ( 3.2) 6.5 ( 3.7) 2.4 ( 2.4)
$50000 to $74999 6.2 ( 2.7) 9.3 ( 3.7) 11.3 ( 3.8) 10.0 ( 3.8) 19.2 ( 5.7) 13.6 ( 4.8) 19.0 ( 4.9) 0.8 ( 0.8) 0.0 ( 0.0) 5.0 ( 2.7) 5.6 ( 2.8)
$75000+ 8.9 ( 4.1) 16.8 ( 5.1) 18.3 ( 5.5) 5.8 ( 3.0) 8.2 ( 3.3) 14.7 ( 5.1) 15.3 ( 4.3) 3.2 ( 1.9) 4.9 ( 3.4) 3.1 ( 3.0) 0.8 ( 0.8)
EDUCATION                      
Less than high school 0.0 ( 0.0) 0.0 ( 0.0) 25.2 (11.3) 6.5 ( 6.3) 4.1 ( 4.1) 25.8 (10.4) 18.2 ( 9.9) 0.0 ( 0.0) 10.6 ( 9.8) 4.8 ( 4.7) 4.8 ( 4.7)
High school 7.6 ( 4.4) 6.8 ( 3.1) 14.0 ( 4.1) 11.6 ( 4.4) 16.3 ( 5.4) 13.6 ( 4.7) 17.2 ( 4.9) 0.0 ( 0.0) 1.1 ( 1.1) 8.5 ( 4.7) 3.2 ( 2.4)
Some post-secondary education 8.5 ( 3.0) 16.6 ( 4.6) 11.1 ( 3.4) 8.4 ( 3.4) 13.6 ( 4.0) 8.7 ( 2.7) 18.9 ( 4.0) 3.9 ( 1.8) 6.9 ( 3.4) 1.6 ( 1.6) 1.7 ( 1.2)
BA or more 6.4 ( 3.1) 17.9 ( 4.4) 15.3 ( 4.2) 10.3 ( 2.9) 10.5 ( 3.2) 15.3 ( 4.4) 14.2 ( 3.5) 1.2 ( 1.2) 0.4 ( 0.4) 3.4 ( 1.9) 5.2 ( 2.1)
ETHNICITY                      
White 6.8 ( 2.3) 17.4 ( 3.3) 15.6 ( 3.0) 10.2 ( 2.4) 11.2 ( 2.7) 11.9 ( 2.9) 14.0 ( 2.7) 1.7 ( 1.0) 2.9 ( 1.5) 5.0 ( 2.0) 3.0 ( 1.3)
Black 9.0 ( 3.6) 4.5 ( 2.5) 11.4 ( 4.2) 8.1 ( 3.2) 14.0 ( 4.3) 16.3 ( 4.4) 23.3 ( 5.2) 2.8 ( 2.0) 2.7 ( 1.9) 2.5 ( 1.7) 5.3 ( 2.6)
Hispanic 9.9 ( 7.0) 4.2 ( 3.0) 6.2 ( 3.6) 9.7 ( 5.4) 19.2 ( 7.9) 16.2 ( 6.3) 30.0 ( 8.1) 2.2 ( 2.2) 0.0 ( 0.0) 0.0 ( 0.0) 2.2 ( 2.2)
Other 0.0 ( 0.0) 17.6 (11.6) 10.5 ( 9.9) 7.5 ( 7.3) 15.6 ( 9.8) 13.7 ( 9.7) 9.8 ( 9.3) 0.0 ( 0.0) 17.3 (15.0) 0.0 ( 0.0) 8.1 ( 7.8)
SEX                      
Male 7.6 ( 3.4) 15.4 ( 4.2) 15.3 ( 4.0) 7.1 ( 2.4) 15.8 ( 4.1) 12.5 ( 3.9) 15.1 ( 3.5) 0.0 ( 0.0) 3.9 ( 2.4) 4.6 ( 2.5) 2.9 ( 1.5)
Female 6.8 ( 2.1) 13.5 ( 3.0) 12.9 ( 2.6) 11.8 ( 2.8) 10.1 ( 2.4) 13.5 ( 2.7) 17.9 ( 3.0) 3.2 ( 1.4) 2.8 ( 1.5) 3.4 ( 1.6) 4.0 ( 1.5)
EMPLOYMENT STATUS                      
Actively employed (FT or PT) 8.7 ( 2.7) 13.2 ( 3.0) 15.8 ( 3.1) 7.4 ( 2.0) 12.5 ( 2.8) 12.7 ( 2.9) 17.1 ( 2.9) 1.4 ( 0.8) 4.1 ( 1.9) 4.7 ( 2.0) 2.6 ( 1.2)
Student 0.0 ( 0.0) 74.5 (18.1) 0.0 ( 0.0) 0.0 ( 0.0) 0.0 ( 0.0) 0.0 ( 0.0) 0.0 ( 0.0) 7.8 ( 8.0) 0.0 ( 0.0) 17.8 (16.5) 0.0 ( 0.0)
Not employed (homemaker, retired, unemployed) 6.0 ( 2.8) 11.3 ( 4.5) 11.1 ( 3.7) 16.7 ( 4.8) 10.9 ( 3.8) 14.6 ( 4.5) 16.8 ( 4.5) 3.0 ( 2.2) 2.5 ( 1.9) 1.9 ( 1.4) 5.1 ( 2.3)
Other 0.0 ( 0.0) 13.5 ( 8.6) 11.5 ( 6.2) 11.3 ( 8.5) 22.1 (10.9) 15.7 ( 7.2) 18.4 ( 7.8) 0.0 ( 0.0) 0.0 ( 0.0) 0.0 ( 0.0) 7.4 ( 5.2)
GEOGRAPHIC RESIDENCE                      
Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) 7.9 ( 3.0) 17.0 ( 4.9) 9.9 ( 3.5) 7.0 ( 3.2) 12.5 ( 4.0) 6.8 ( 2.8) 29.0 ( 5.8) 1.6 ( 1.5) 1.0 ( 1.0) 3.4 ( 2.5) 3.9 ( 2.7)
Resident of another state 7.0 ( 2.1) 13.8 ( 2.8) 14.7 ( 2.6) 10.3 ( 2.2) 12.6 ( 2.6) 14.2 ( 2.6) 14.4 ( 2.4) 1.9 ( 0.9) 3.7 ( 1.6) 4.1 ( 1.6) 3.4 ( 1.2)
FINANCIAL AND CREDIT REPORT EXPERIENCE                      
Obtained a credit report 7.7 ( 2.0) 14.7 ( 2.6) 14.0 ( 2.4) 8.5 ( 1.9) 12.3 ( 2.3) 12.8 ( 2.4) 17.3 ( 2.4) 1.9 ( 0.9) 3.3 ( 1.4) 4.2 ( 1.5) 3.3 ( 1.1)
Did not obtain a credit report 0.0 ( 0.0) 9.4 ( 6.6) 13.6 ( 7.7) 26.5 (10.6) 16.8 ( 9.2) 16.6 ( 7.2) 8.8 ( 6.1) 0.0 ( 0.0) 2.4 ( 2.4) 0.0 ( 0.0) 5.9 ( 4.2)
                       
Obtained credit score 8.9 ( 2.7) 14.1 ( 3.4) 17.8 ( 3.5) 6.0 ( 1.8) 13.0 ( 2.9) 12.0 ( 3.1) 17.3 ( 3.0) 2.1 ( 1.1) 2.4 ( 1.5) 3.7 ( 1.7) 2.7 ( 1.4)
Did not obtain credit score 5.0 ( 2.6) 14.6 ( 3.7) 9.2 ( 2.7) 14.4 ( 3.6) 12.0 ( 3.4) 14.3 ( 3.4) 15.9 ( 3.4) 1.5 ( 1.2) 4.3 ( 2.3) 4.2 ( 2.4) 4.5 ( 1.7)
                       
Disputed information on credit report 7.2 ( 1.9) 14.4 ( 2.5) 13.8 ( 2.3) 9.8 ( 1.9) 12.6 ( 2.2) 13.1 ( 2.3) 16.7 ( 2.3) 1.8 ( 0.8) 3.3 ( 1.3) 4.0 ( 1.4) 3.3 ( 1.1)
Did not dispute credit report information 0.0 ( 0.0) 0.0 ( 0.0) 50.2 (35.4) 0.0 ( 0.0) 0.0 ( 0.0) 0.0 ( 0.0) 0.0 ( 0.0) 0.0 ( 0.0) 0.0 ( 0.0) 0.0 ( 0.0) 49.8 (35.4)
                       
Had an auto or mortgage loan 7.9 ( 2.1) 15.0 ( 2.7) 14.0 ( 2.4) 9.4 ( 1.9) 12.8 ( 2.4) 12.7 ( 2.4) 15.5 ( 2.3) 2.0 ( 0.9) 3.1 ( 1.4) 3.8 ( 1.5) 3.7 ( 1.2)
Did not have an auto or mortgage loan 0.0 ( 0.0) 7.4 ( 7.0) 13.4 ( 6.5) 12.9 ( 7.7) 10.4 ( 5.4) 16.8 ( 5.9) 27.6 ( 8.8) 0.0 ( 0.0) 4.7 ( 4.5) 4.8 ( 3.4) 2.1 ( 2.1)
                       
Was a victim of identity theft 2.2 ( 1.5) 11.1 ( 4.6) 6.8 ( 3.2) 14.3 ( 5.2) 13.2 ( 4.5) 7.6 ( 3.2) 23.0 ( 5.8) 9.3 ( 3.9) 2.8 ( 2.8) 5.1 ( 3.5) 4.4 ( 2.8)
Was not a victim of identity theft 8.3 ( 2.3) 15.1 ( 2.9) 15.6 ( 2.7) 8.7 ( 2.0) 12.4 ( 2.6) 14.4 ( 2.7) 15.1 ( 2.4) 0.0 ( 0.0) 3.4 ( 1.5) 3.7 ( 1.6) 3.3 ( 1.2)
                       
Obtained credit report due to an adverse action 5.3 ( 3.9) 11.7 ( 5.2) 9.0 ( 3.5) 14.0 ( 5.0) 10.5 ( 4.4) 18.4 ( 5.7) 16.5 ( 4.8) 1.8 ( 1.3) 5.7 ( 3.9) 4.1 ( 2.5) 3.0 ( 2.2)
Did not obtain credit report due to an adverse action 7.7 ( 2.1) 15.1 ( 2.8) 15.4 ( 2.8) 8.4 ( 2.0) 13.2 ( 2.6) 11.4 ( 2.4) 16.7 ( 2.6) 1.8 ( 1.0) 2.5 ( 1.2) 3.9 ( 1.7) 3.7 ( 1.2)

Percent estimates totaling 100% within each demographic and experience category, with standard errors in parentheses
 
GAO-05-411SP Credit Reporting Literacy Survey Data
Full Report: GAO-05-223