| All respondents |
12.8 ( 2.6) |
72.3 ( 3.6) |
14.9 ( 2.9) |
| AGE GROUP |
|
|
|
| 18 to 24 |
7.0 ( 7.0) |
61.4 (18.1) |
31.6 (17.3) |
| 25 to 34 |
7.9 ( 5.7) |
85.4 ( 7.2) |
6.6 ( 4.7) |
| 35 to 44 |
19.6 ( 6.7) |
67.6 ( 8.0) |
12.9 ( 5.8) |
| 45 to 54 |
8.6 ( 3.3) |
70.2 ( 6.9) |
21.2 ( 6.6) |
| 55 to 64 |
10.5 ( 6.0) |
80.7 ( 7.6) |
8.8 ( 5.4) |
| 65 and older |
12.3 ( 7.3) |
79.4 ( 8.6) |
8.3 ( 5.1) |
| INCOME |
|
|
|
| Less than $25000 |
23.4 ( 7.1) |
56.1 ( 8.3) |
20.5 ( 7.0) |
| $25000 to $49999 |
14.6 ( 6.9) |
70.8 ( 7.9) |
14.7 ( 5.3) |
| $50000 to $74999 |
7.3 ( 3.9) |
78.0 ( 6.8) |
14.7 ( 6.0) |
| $75000+ |
10.5 ( 4.1) |
77.3 ( 6.5) |
12.3 ( 5.6) |
| EDUCATION |
|
|
|
| Less than high school |
19.5 (16.7) |
68.7 (17.8) |
11.8 (11.1) |
| High school |
14.9 ( 7.6) |
74.2 ( 8.0) |
11.0 ( 4.2) |
| Some post-secondary education |
14.3 ( 4.2) |
69.2 ( 6.0) |
16.5 ( 5.1) |
| BA or more |
10.0 ( 3.6) |
74.5 ( 5.6) |
15.5 ( 4.9) |
| ETHNICITY |
|
|
|
| White |
11.2 ( 3.2) |
75.1 ( 4.4) |
13.7 ( 3.5) |
| Black |
29.3 ( 6.9) |
58.8 ( 7.3) |
11.9 ( 4.6) |
| Hispanic |
3.9 ( 3.9) |
68.8 (10.8) |
27.2 (10.6) |
| Other |
0.0 ( 0.0) |
81.1 (16.9) |
18.9 (16.9) |
| SEX |
|
|
|
| Male |
12.2 ( 4.3) |
75.5 ( 5.8) |
12.3 ( 4.5) |
| Female |
13.2 ( 3.2) |
69.6 ( 4.5) |
17.1 ( 3.8) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
12.8 ( 3.5) |
71.9 ( 4.7) |
15.3 ( 3.8) |
| Student |
0.0 ( 0.0) |
100 ( 0.0) |
0.0 ( 0.0) |
| Not employed (homemaker, retired, unemployed) |
16.7 ( 5.0) |
67.2 ( 6.8) |
16.1 ( 5.7) |
| Other |
3.1 ( 3.1) |
86.2 ( 7.4) |
10.7 ( 6.7) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
7.3 ( 3.5) |
86.2 ( 4.5) |
6.5 ( 3.0) |
| Resident of another state |
14.0 ( 3.1) |
69.3 ( 4.2) |
16.7 ( 3.5) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
13.6 ( 2.8) |
71.6 ( 3.7) |
14.8 ( 3.0) |
| Did not obtain a credit report |
0.0 ( 0.0) |
83.0 (11.4) |
17.0 (11.4) |
| |
|
|
|
| Obtained credit score |
15.0 ( 3.6) |
78.5 ( 4.0) |
6.5 ( 2.1) |
| Did not obtain credit score |
10.1 ( 3.9) |
64.7 ( 6.0) |
25.3 ( 5.5) |
| |
|
|
|
| Disputed information on credit report |
12.8 ( 2.6) |
72.3 ( 3.6) |
14.9 ( 2.9) |
| Did not dispute credit report information |
. ( . ) |
. ( . ) |
. ( . ) |
| |
|
|
|
| Had an auto or mortgage loan |
13.1 ( 2.8) |
73.2 ( 3.7) |
13.8 ( 2.9) |
| Did not have an auto or mortgage loan |
10.1 ( 5.9) |
63.4 (12.5) |
26.5 (12.0) |
| |
|
|
|
| Was a victim of identity theft |
25.9 ( 8.8) |
61.4 ( 9.8) |
12.6 ( 6.4) |
| Was not a victim of identity theft |
10.7 ( 2.7) |
74.0 ( 3.9) |
15.3 ( 3.2) |
| |
|
|
|
| Obtained credit report due to an adverse action |
12.5 ( 7.1) |
66.6 ( 9.5) |
20.8 ( 8.5) |
| Did not obtain credit report due to an adverse action |
12.8 ( 2.8) |
73.6 ( 3.8) |
13.5 ( 2.9) |