| All respondents |
27.8 ( 1.3) |
53.5 ( 1.5) |
18.7 ( 1.2) |
| AGE GROUP |
|
|
|
| 18 to 24 |
41.8 ( 4.9) |
37.4 ( 5.0) |
20.7 ( 4.8) |
| 25 to 34 |
24.0 ( 2.9) |
57.6 ( 3.5) |
18.5 ( 2.9) |
| 35 to 44 |
21.9 ( 2.7) |
58.0 ( 3.4) |
20.1 ( 2.8) |
| 45 to 54 |
24.5 ( 2.7) |
56.5 ( 3.2) |
19.0 ( 2.6) |
| 55 to 64 |
18.2 ( 2.6) |
58.1 ( 3.6) |
23.7 ( 3.3) |
| 65 and older |
31.3 ( 2.9) |
53.3 ( 3.2) |
15.4 ( 2.5) |
| INCOME |
|
|
|
| Less than $25000 |
43.6 ( 2.3) |
46.3 ( 2.3) |
10.2 ( 1.5) |
| $25000 to $49999 |
23.9 ( 2.5) |
60.2 ( 3.1) |
16.0 ( 2.6) |
| $50000 to $74999 |
17.5 ( 2.7) |
55.4 ( 3.5) |
27.1 ( 3.2) |
| $75000+ |
14.9 ( 2.4) |
57.7 ( 3.4) |
27.3 ( 3.1) |
| EDUCATION |
|
|
|
| Less than high school |
62.8 ( 3.6) |
34.8 ( 3.6) |
2.4 ( 1.0) |
| High school |
33.2 ( 2.4) |
55.3 ( 2.5) |
11.6 ( 1.7) |
| Some post-secondary education |
21.7 ( 2.3) |
57.7 ( 2.9) |
20.6 ( 2.5) |
| BA or more |
16.0 ( 2.0) |
54.3 ( 2.8) |
29.7 ( 2.6) |
| ETHNICITY |
|
|
|
| White |
21.2 ( 1.5) |
56.5 ( 1.9) |
22.3 ( 1.6) |
| Black |
33.9 ( 2.9) |
52.2 ( 3.0) |
13.8 ( 2.1) |
| Hispanic |
49.9 ( 3.1) |
42.6 ( 3.1) |
7.5 ( 1.6) |
| Other |
40.9 ( 6.2) |
45.8 ( 6.4) |
13.3 ( 4.6) |
| SEX |
|
|
|
| Male |
26.0 ( 2.0) |
52.5 ( 2.3) |
21.5 ( 2.1) |
| Female |
29.0 ( 1.6) |
54.7 ( 1.8) |
16.3 ( 1.4) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
22.9 ( 1.6) |
57.1 ( 2.0) |
20.0 ( 1.7) |
| Student |
37.5 ( 7.8) |
47.8 ( 8.6) |
14.7 ( 6.0) |
| Not employed (homemaker, retired, unemployed) |
34.7 ( 2.2) |
48.0 ( 2.3) |
17.2 ( 1.9) |
| Other |
34.5 ( 6.4) |
49.1 ( 6.4) |
16.4 ( 5.2) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
22.1 ( 2.6) |
58.0 ( 3.1) |
19.9 ( 2.5) |
| Resident of another state |
28.6 ( 1.4) |
52.8 ( 1.6) |
18.6 ( 1.3) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
17.6 ( 1.4) |
59.8 ( 1.9) |
22.7 ( 1.7) |
| Did not obtain a credit report |
41.7 ( 2.2) |
44.9 ( 2.2) |
13.4 ( 1.8) |
| |
|
|
|
| Obtained credit score |
16.5 ( 1.9) |
59.4 ( 2.5) |
24.1 ( 2.2) |
| Did not obtain credit score |
33.2 ( 1.6) |
50.6 ( 1.8) |
16.1 ( 1.5) |
| |
|
|
|
| Disputed information on credit report |
17.7 ( 2.6) |
57.6 ( 3.3) |
24.8 ( 2.9) |
| Did not dispute credit report information |
30.0 ( 1.4) |
52.6 ( 1.6) |
17.4 ( 1.3) |
| |
|
|
|
| Had an auto or mortgage loan |
21.0 ( 1.3) |
58.1 ( 1.7) |
20.9 ( 1.4) |
| Did not have an auto or mortgage loan |
50.4 ( 3.0) |
38.0 ( 2.9) |
11.6 ( 2.2) |
| |
|
|
|
| Was a victim of identity theft |
19.1 ( 3.2) |
62.8 ( 4.2) |
18.1 ( 3.5) |
| Was not a victim of identity theft |
28.7 ( 1.3) |
52.5 ( 1.5) |
18.8 ( 1.3) |
| |
|
|
|
| Obtained credit report due to an adverse action |
17.6 ( 3.8) |
60.1 ( 5.3) |
22.3 ( 5.0) |
| Did not obtain credit report due to an adverse action |
28.7 ( 1.3) |
52.9 ( 1.5) |
18.4 ( 1.2) |