| All respondents |
29.4 ( 3.1) |
31.5 ( 3.1) |
30.3 ( 3.1) |
5.8 ( 1.5) |
3.0 ( 1.0) |
| AGE GROUP |
|
|
|
|
|
| 18 to 24 |
37.5 (17.6) |
29.5 (16.1) |
20.6 (14.6) |
6.2 ( 6.2) |
6.2 ( 6.2) |
| 25 to 34 |
27.1 ( 8.1) |
26.9 ( 7.3) |
38.9 ( 8.6) |
4.1 ( 3.1) |
3.0 ( 2.1) |
| 35 to 44 |
28.9 ( 6.3) |
35.8 ( 7.0) |
30.1 ( 6.3) |
1.0 ( 1.0) |
4.2 ( 2.5) |
| 45 to 54 |
32.2 ( 6.4) |
29.2 ( 5.8) |
29.2 ( 6.0) |
7.6 ( 3.4) |
1.8 ( 1.3) |
| 55 to 64 |
28.3 ( 6.9) |
25.7 ( 6.6) |
32.6 ( 7.0) |
10.8 ( 4.9) |
2.7 ( 2.7) |
| 65 and older |
34.3 (10.0) |
42.4 ( 9.9) |
8.1 ( 5.1) |
12.7 ( 6.8) |
2.5 ( 2.5) |
| INCOME |
|
|
|
|
|
| Less than $25000 |
24.5 ( 5.7) |
24.6 ( 5.7) |
29.7 ( 6.2) |
11.8 ( 4.1) |
9.4 ( 4.2) |
| $25000 to $49999 |
29.2 ( 7.0) |
39.8 ( 6.9) |
26.0 ( 6.2) |
2.0 ( 1.4) |
3.0 ( 2.2) |
| $50000 to $74999 |
30.4 ( 6.2) |
29.5 ( 6.0) |
33.4 ( 6.0) |
5.2 ( 2.8) |
1.5 ( 1.1) |
| $75000+ |
32.8 ( 6.3) |
28.3 ( 6.2) |
32.7 ( 6.5) |
6.2 ( 3.2) |
0.0 ( 0.0) |
| EDUCATION |
|
|
|
|
|
| Less than high school |
10.6 ( 7.2) |
44.7 (12.6) |
23.5 (10.7) |
4.2 ( 4.2) |
17.1 (11.0) |
| High school |
35.9 ( 7.0) |
33.0 ( 6.7) |
22.3 ( 5.4) |
6.7 ( 2.8) |
2.0 ( 1.4) |
| Some post-secondary education |
28.5 ( 5.2) |
25.4 ( 4.8) |
33.3 ( 5.3) |
9.4 ( 3.3) |
3.4 ( 1.8) |
| BA or more |
28.5 ( 4.9) |
34.8 ( 5.3) |
32.8 ( 5.2) |
2.3 ( 1.5) |
1.6 ( 1.2) |
| ETHNICITY |
|
|
|
|
|
| White |
31.8 ( 4.0) |
29.7 ( 3.9) |
29.3 ( 3.8) |
6.1 ( 1.9) |
3.2 ( 1.3) |
| Black |
24.8 ( 5.1) |
39.8 ( 6.1) |
27.0 ( 5.4) |
7.0 ( 3.0) |
1.3 ( 1.3) |
| Hispanic |
20.9 ( 8.3) |
30.5 ( 8.8) |
38.1 ( 8.8) |
5.0 ( 3.5) |
5.4 ( 3.8) |
| Other |
22.5 (12.4) |
35.1 (14.7) |
42.4 (16.0) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| SEX |
|
|
|
|
|
| Male |
25.5 ( 5.1) |
35.2 ( 5.3) |
30.9 ( 5.1) |
7.3 ( 2.7) |
1.0 ( 1.0) |
| Female |
32.4 ( 3.9) |
28.6 ( 3.7) |
29.8 ( 3.7) |
4.7 ( 1.5) |
4.5 ( 1.6) |
| EMPLOYMENT STATUS |
|
|
|
|
|
| Actively employed (FT or PT) |
27.8 ( 3.8) |
31.6 ( 4.0) |
33.0 ( 4.0) |
4.4 ( 1.7) |
3.2 ( 1.3) |
| Student |
15.4 (14.7) |
23.2 (16.6) |
61.4 (21.2) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| Not employed (homemaker, retired, unemployed) |
30.9 ( 6.1) |
28.4 ( 5.7) |
25.4 ( 5.2) |
11.6 ( 3.8) |
3.7 ( 2.2) |
| Other |
41.7 (11.7) |
41.8 (11.4) |
14.0 ( 6.3) |
2.4 ( 2.4) |
0.0 ( 0.0) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
24.1 ( 5.3) |
37.4 ( 6.1) |
32.6 ( 5.8) |
3.2 ( 1.9) |
2.7 ( 1.9) |
| Resident of another state |
30.4 ( 3.6) |
30.4 ( 3.5) |
29.9 ( 3.5) |
6.3 ( 1.7) |
3.0 ( 1.1) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
|
| Obtained a credit report |
28.6 ( 3.2) |
32.4 ( 3.3) |
31.9 ( 3.2) |
5.4 ( 1.4) |
1.7 ( 0.7) |
| Did not obtain a credit report |
40.4 (11.6) |
18.2 ( 7.8) |
6.7 ( 4.8) |
12.8 ( 8.8) |
22.0 (10.1) |
| |
|
|
|
|
|
| Obtained credit score |
25.4 ( 3.8) |
32.9 ( 4.3) |
34.9 ( 4.2) |
5.7 ( 1.9) |
1.1 ( 0.7) |
| Did not obtain credit score |
34.2 ( 5.0) |
29.7 ( 4.5) |
24.7 ( 4.3) |
6.1 ( 2.2) |
5.2 ( 2.0) |
| |
|
|
|
|
|
| Disputed information on credit report |
29.4 ( 3.1) |
31.5 ( 3.1) |
30.3 ( 3.1) |
5.8 ( 1.5) |
3.0 ( 1.0) |
| Did not dispute credit report information |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
. ( . ) |
| |
|
|
|
|
|
| Had an auto or mortgage loan |
30.7 ( 3.3) |
31.0 ( 3.3) |
31.0 ( 3.3) |
5.1 ( 1.5) |
2.3 ( 0.9) |
| Did not have an auto or mortgage loan |
16.7 ( 8.3) |
36.6 ( 9.6) |
24.3 ( 8.3) |
12.7 ( 6.3) |
9.7 ( 5.6) |
| |
|
|
|
|
|
| Was a victim of identity theft |
26.1 ( 6.2) |
31.9 ( 6.6) |
35.6 ( 6.5) |
6.4 ( 3.8) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
30.1 ( 3.6) |
31.4 ( 3.5) |
29.1 ( 3.5) |
5.7 ( 1.6) |
3.7 ( 1.2) |
| |
|
|
|
|
|
| Obtained credit report due to an adverse action |
18.8 ( 5.8) |
37.0 ( 7.1) |
39.6 ( 7.0) |
3.7 ( 1.9) |
0.8 ( 0.8) |
| Did not obtain credit report due to an adverse action |
32.7 ( 3.6) |
29.8 ( 3.4) |
27.4 ( 3.3) |
6.5 ( 1.8) |
3.6 ( 1.3) |