| All respondents |
9.8 ( 0.8) |
88.5 ( 0.9) |
1.6 ( 0.4) |
| AGE GROUP |
|
|
|
| 18 to 24 |
6.1 ( 2.2) |
91.0 ( 2.6) |
2.9 ( 1.5) |
| 25 to 34 |
13.3 ( 2.1) |
85.6 ( 2.3) |
1.1 ( 0.9) |
| 35 to 44 |
11.3 ( 2.1) |
87.0 ( 2.3) |
1.7 ( 1.0) |
| 45 to 54 |
11.2 ( 2.1) |
87.3 ( 2.2) |
1.5 ( 0.8) |
| 55 to 64 |
10.6 ( 2.2) |
88.2 ( 2.3) |
1.2 ( 0.8) |
| 65 and older |
6.8 ( 1.7) |
92.1 ( 1.7) |
1.0 ( 0.4) |
| INCOME |
|
|
|
| Less than $25000 |
9.4 ( 1.3) |
87.9 ( 1.5) |
2.7 ( 0.8) |
| $25000 to $49999 |
7.1 ( 1.4) |
92.1 ( 1.5) |
0.8 ( 0.5) |
| $50000 to $74999 |
13.1 ( 2.3) |
84.9 ( 2.5) |
2.0 ( 1.1) |
| $75000+ |
11.8 ( 2.1) |
87.1 ( 2.2) |
1.1 ( 0.8) |
| EDUCATION |
|
|
|
| Less than high school |
9.0 ( 2.1) |
85.6 ( 2.7) |
5.4 ( 1.8) |
| High school |
9.2 ( 1.4) |
88.4 ( 1.6) |
2.4 ( 0.9) |
| Some post-secondary education |
12.6 ( 1.7) |
87.2 ( 1.7) |
0.3 ( 0.2) |
| BA or more |
8.3 ( 1.4) |
90.8 ( 1.5) |
0.9 ( 0.6) |
| ETHNICITY |
|
|
|
| White |
8.1 ( 1.0) |
90.4 ( 1.1) |
1.5 ( 0.5) |
| Black |
18.4 ( 2.4) |
80.4 ( 2.5) |
1.2 ( 0.6) |
| Hispanic |
11.3 ( 1.9) |
85.9 ( 2.1) |
2.8 ( 1.1) |
| Other |
8.0 ( 3.7) |
90.3 ( 3.9) |
1.7 ( 1.4) |
| SEX |
|
|
|
| Male |
9.0 ( 1.2) |
89.2 ( 1.4) |
1.8 ( 0.6) |
| Female |
10.7 ( 1.1) |
88.0 ( 1.2) |
1.4 ( 0.4) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
10.7 ( 1.1) |
88.2 ( 1.2) |
1.1 ( 0.4) |
| Student |
9.4 ( 4.1) |
86.2 ( 5.7) |
4.4 ( 4.3) |
| Not employed (homemaker, retired, unemployed) |
8.2 ( 1.2) |
89.3 ( 1.4) |
2.5 ( 0.7) |
| Other |
9.4 ( 3.8) |
89.5 ( 3.9) |
1.1 ( 1.1) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
7.3 ( 1.7) |
91.1 ( 1.8) |
1.6 ( 0.7) |
| Resident of another state |
10.2 ( 0.9) |
88.2 ( 1.0) |
1.6 ( 0.4) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
12.2 ( 1.2) |
87.0 ( 1.2) |
0.8 ( 0.4) |
| Did not obtain a credit report |
6.6 ( 1.1) |
90.6 ( 1.2) |
2.8 ( 0.7) |
| |
|
|
|
| Obtained credit score |
11.8 ( 1.5) |
87.1 ( 1.6) |
1.1 ( 0.6) |
| Did not obtain credit score |
8.9 ( 1.0) |
89.2 ( 1.1) |
1.9 ( 0.5) |
| |
|
|
|
| Disputed information on credit report |
19.5 ( 2.5) |
78.5 ( 2.7) |
2.0 ( 1.3) |
| Did not dispute credit report information |
7.7 ( 0.8) |
90.7 ( 0.9) |
1.6 ( 0.4) |
| |
|
|
|
| Had an auto or mortgage loan |
10.8 ( 1.0) |
87.9 ( 1.1) |
1.3 ( 0.4) |
| Did not have an auto or mortgage loan |
6.5 ( 1.3) |
90.6 ( 1.6) |
2.9 ( 0.9) |
| |
|
|
|
| Was a victim of identity theft |
100 ( 0.0) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
0.0 ( 0.0) |
98.2 ( 0.4) |
1.8 ( 0.4) |
| |
|
|
|
| Obtained credit report due to an adverse action |
17.8 ( 3.6) |
78.3 ( 4.2) |
4.0 ( 2.7) |
| Did not obtain credit report due to an adverse action |
9.1 ( 0.8) |
89.4 ( 0.9) |
1.4 ( 0.3) |