| All respondents |
31.6 ( 1.3) |
53.5 ( 1.4) |
14.9 ( 1.0) |
| AGE GROUP |
|
|
|
| 18 to 24 |
35.6 ( 4.8) |
58.6 ( 5.0) |
5.8 ( 2.0) |
| 25 to 34 |
29.1 ( 3.1) |
55.8 ( 3.5) |
15.1 ( 2.7) |
| 35 to 44 |
21.4 ( 2.6) |
63.4 ( 3.2) |
15.2 ( 2.5) |
| 45 to 54 |
26.3 ( 2.8) |
51.5 ( 3.3) |
22.2 ( 2.8) |
| 55 to 64 |
27.0 ( 3.1) |
54.7 ( 3.7) |
18.3 ( 3.0) |
| 65 and older |
50.3 ( 3.3) |
39.5 ( 3.2) |
10.2 ( 2.2) |
| INCOME |
|
|
|
| Less than $25000 |
50.4 ( 2.3) |
42.1 ( 2.3) |
7.5 ( 1.2) |
| $25000 to $49999 |
30.2 ( 2.8) |
58.5 ( 3.0) |
11.4 ( 1.9) |
| $50000 to $74999 |
24.5 ( 3.0) |
60.1 ( 3.5) |
15.3 ( 2.6) |
| $75000+ |
14.2 ( 2.3) |
58.9 ( 3.3) |
26.9 ( 3.0) |
| EDUCATION |
|
|
|
| Less than high school |
70.7 ( 3.4) |
27.7 ( 3.3) |
1.6 ( 0.8) |
| High school |
40.6 ( 2.5) |
53.2 ( 2.5) |
6.2 ( 1.1) |
| Some post-secondary education |
23.5 ( 2.3) |
62.1 ( 2.7) |
14.4 ( 1.9) |
| BA or more |
16.8 ( 2.1) |
54.7 ( 2.8) |
28.6 ( 2.5) |
| ETHNICITY |
|
|
|
| White |
25.4 ( 1.6) |
57.4 ( 1.9) |
17.2 ( 1.4) |
| Black |
37.7 ( 3.0) |
47.4 ( 3.0) |
14.8 ( 2.1) |
| Hispanic |
53.6 ( 3.1) |
40.5 ( 3.1) |
5.9 ( 1.4) |
| Other |
40.8 ( 6.2) |
50.6 ( 6.4) |
8.6 ( 3.7) |
| SEX |
|
|
|
| Male |
26.9 ( 2.0) |
55.0 ( 2.3) |
18.1 ( 1.8) |
| Female |
35.8 ( 1.7) |
52.2 ( 1.8) |
12.0 ( 1.2) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
24.9 ( 1.6) |
57.6 ( 1.9) |
17.6 ( 1.5) |
| Student |
30.4 ( 7.3) |
59.0 ( 8.0) |
10.6 ( 4.3) |
| Not employed (homemaker, retired, unemployed) |
43.7 ( 2.3) |
46.4 ( 2.4) |
9.9 ( 1.5) |
| Other |
37.4 ( 6.3) |
44.8 ( 6.4) |
17.8 ( 5.2) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
29.1 ( 2.7) |
52.7 ( 3.1) |
18.2 ( 2.4) |
| Resident of another state |
31.9 ( 1.4) |
53.6 ( 1.6) |
14.4 ( 1.2) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
22.4 ( 1.5) |
57.1 ( 1.9) |
20.5 ( 1.6) |
| Did not obtain a credit report |
44.2 ( 2.2) |
48.5 ( 2.2) |
7.3 ( 1.2) |
| |
|
|
|
| Obtained credit score |
12.5 ( 1.6) |
62.2 ( 2.5) |
25.3 ( 2.3) |
| Did not obtain credit score |
40.9 ( 1.7) |
49.3 ( 1.8) |
9.8 ( 1.1) |
| |
|
|
|
| Disputed information on credit report |
19.3 ( 2.6) |
57.1 ( 3.3) |
23.6 ( 2.9) |
| Did not dispute credit report information |
34.3 ( 1.5) |
52.7 ( 1.6) |
13.0 ( 1.1) |
| |
|
|
|
| Had an auto or mortgage loan |
25.7 ( 1.4) |
56.8 ( 1.6) |
17.5 ( 1.3) |
| Did not have an auto or mortgage loan |
51.3 ( 3.0) |
42.4 ( 3.0) |
6.3 ( 1.4) |
| |
|
|
|
| Was a victim of identity theft |
29.9 ( 3.9) |
54.2 ( 4.3) |
16.0 ( 3.3) |
| Was not a victim of identity theft |
31.8 ( 1.4) |
53.4 ( 1.5) |
14.8 ( 1.1) |
| |
|
|
|
| Obtained credit report due to an adverse action |
22.4 ( 3.8) |
64.0 ( 4.7) |
13.6 ( 3.5) |
| Did not obtain credit report due to an adverse action |
32.4 ( 1.4) |
52.5 ( 1.5) |
15.0 ( 1.1) |