| All respondents |
30.4 ( 3.0) |
65.5 ( 3.1) |
4.1 ( 1.3) |
| AGE GROUP |
|
|
|
| 18 to 24 |
29.0 (14.6) |
55.4 (16.8) |
15.6 (14.0) |
| 25 to 34 |
18.4 ( 6.0) |
80.0 ( 6.1) |
1.6 ( 1.6) |
| 35 to 44 |
16.0 ( 5.1) |
79.4 ( 5.6) |
4.6 ( 2.8) |
| 45 to 54 |
34.8 ( 6.1) |
61.4 ( 6.2) |
3.8 ( 1.9) |
| 55 to 64 |
57.2 ( 7.5) |
39.4 ( 7.5) |
3.5 ( 2.6) |
| 65 and older |
28.4 ( 8.8) |
67.1 ( 9.3) |
4.4 ( 4.3) |
| INCOME |
|
|
|
| Less than $25000 |
24.2 ( 5.3) |
67.8 ( 6.5) |
8.1 ( 5.2) |
| $25000 to $49999 |
37.5 ( 6.9) |
61.5 ( 6.9) |
1.0 ( 1.0) |
| $50000 to $74999 |
29.9 ( 5.7) |
66.4 ( 5.9) |
3.6 ( 2.3) |
| $75000+ |
23.2 ( 5.3) |
76.0 ( 5.4) |
0.8 ( 0.8) |
| EDUCATION |
|
|
|
| Less than high school |
47.9 (12.8) |
47.9 (12.6) |
4.2 ( 4.2) |
| High school |
38.6 ( 6.7) |
55.7 ( 6.9) |
5.7 ( 3.8) |
| Some post-secondary education |
29.2 ( 4.9) |
67.3 ( 5.1) |
3.5 ( 2.1) |
| BA or more |
24.9 ( 4.5) |
71.4 ( 4.7) |
3.7 ( 1.7) |
| ETHNICITY |
|
|
|
| White |
26.4 ( 3.6) |
68.8 ( 3.8) |
4.8 ( 1.8) |
| Black |
40.3 ( 6.0) |
58.3 ( 6.0) |
1.3 ( 1.3) |
| Hispanic |
36.7 ( 9.0) |
58.3 ( 9.1) |
5.0 ( 3.5) |
| Other |
48.1 (15.7) |
51.9 (15.7) |
0.0 ( 0.0) |
| SEX |
|
|
|
| Male |
20.7 ( 4.2) |
76.1 ( 4.5) |
3.2 ( 2.0) |
| Female |
38.1 ( 3.9) |
57.1 ( 4.0) |
4.8 ( 1.7) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
26.2 ( 3.6) |
69.3 ( 3.8) |
4.4 ( 1.8) |
| Student |
49.0 (23.2) |
51.0 (23.2) |
0.0 ( 0.0) |
| Not employed (homemaker, retired, unemployed) |
35.0 ( 5.8) |
60.9 ( 6.0) |
4.1 ( 2.2) |
| Other |
44.0 (11.4) |
53.2 (11.4) |
2.8 ( 2.8) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
25.9 ( 5.2) |
70.3 ( 5.5) |
3.8 ( 2.2) |
| Resident of another state |
31.2 ( 3.4) |
64.6 ( 3.5) |
4.2 ( 1.5) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
31.0 ( 3.1) |
66.6 ( 3.2) |
2.4 ( 0.9) |
| Did not obtain a credit report |
22.2 ( 8.4) |
51.4 (11.8) |
26.4 (11.7) |
| |
|
|
|
| Obtained credit score |
25.2 ( 3.6) |
72.5 ( 3.7) |
2.4 ( 1.1) |
| Did not obtain credit score |
36.7 ( 4.7) |
57.1 ( 5.0) |
6.3 ( 2.6) |
| |
|
|
|
| Disputed information on credit report |
30.6 ( 3.0) |
66.0 ( 3.1) |
3.3 ( 1.1) |
| Did not dispute credit report information |
0.0 ( 0.0) |
0.0 ( 0.0) |
100 ( 0.0) |
| |
|
|
|
| Had an auto or mortgage loan |
29.7 ( 3.1) |
66.9 ( 3.2) |
3.5 ( 1.2) |
| Did not have an auto or mortgage loan |
36.7 ( 9.5) |
53.4 (10.0) |
9.9 ( 7.5) |
| |
|
|
|
| Was a victim of identity theft |
49.8 ( 7.0) |
50.2 ( 7.0) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
25.7 ( 3.1) |
69.2 ( 3.3) |
5.1 ( 1.6) |
| |
|
|
|
| Obtained credit report due to an adverse action |
40.0 ( 6.9) |
59.1 ( 6.9) |
0.9 ( 0.9) |
| Did not obtain credit report due to an adverse action |
27.4 ( 3.2) |
67.5 ( 3.4) |
5.1 ( 1.7) |