| All respondents |
5.9 ( 0.6) |
70.0 ( 1.3) |
3.4 ( 0.5) |
20.7 ( 1.1) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
9.0 ( 2.3) |
54.8 ( 5.1) |
10.1 ( 2.9) |
26.1 ( 4.5) |
| 25 to 34 |
5.4 ( 1.3) |
73.8 ( 2.8) |
1.3 ( 0.6) |
19.5 ( 2.5) |
| 35 to 44 |
5.0 ( 1.3) |
80.0 ( 2.5) |
3.1 ( 1.1) |
11.9 ( 1.9) |
| 45 to 54 |
5.1 ( 1.4) |
76.8 ( 2.6) |
2.7 ( 1.0) |
15.4 ( 2.1) |
| 55 to 64 |
7.3 ( 1.9) |
74.4 ( 3.1) |
3.5 ( 1.3) |
14.8 ( 2.3) |
| 65 and older |
5.5 ( 1.4) |
60.2 ( 3.1) |
1.8 ( 0.8) |
32.6 ( 2.9) |
| INCOME |
|
|
|
|
| Less than $25000 |
8.6 ( 1.3) |
49.3 ( 2.3) |
5.4 ( 1.2) |
36.7 ( 2.2) |
| $25000 to $49999 |
5.6 ( 1.2) |
71.1 ( 2.6) |
3.3 ( 1.0) |
20.0 ( 2.3) |
| $50000 to $74999 |
5.2 ( 1.4) |
80.7 ( 2.7) |
3.5 ( 1.3) |
10.6 ( 2.1) |
| $75000+ |
4.2 ( 1.2) |
88.4 ( 2.3) |
1.7 ( 0.9) |
5.6 ( 1.8) |
| EDUCATION |
|
|
|
|
| Less than high school |
7.3 ( 1.6) |
30.9 ( 3.5) |
6.7 ( 2.1) |
55.2 ( 3.7) |
| High school |
8.3 ( 1.3) |
57.5 ( 2.5) |
5.2 ( 1.2) |
29.0 ( 2.2) |
| Some post-secondary education |
6.1 ( 1.2) |
78.6 ( 2.2) |
2.5 ( 0.8) |
12.7 ( 1.9) |
| BA or more |
2.8 ( 0.8) |
87.6 ( 1.6) |
1.4 ( 0.5) |
8.2 ( 1.4) |
| ETHNICITY |
|
|
|
|
| White |
3.9 ( 0.7) |
78.4 ( 1.5) |
2.0 ( 0.5) |
15.7 ( 1.3) |
| Black |
8.1 ( 1.6) |
59.2 ( 3.0) |
6.9 ( 1.7) |
25.8 ( 2.6) |
| Hispanic |
14.1 ( 2.1) |
38.7 ( 3.1) |
6.7 ( 1.8) |
40.5 ( 3.0) |
| Other |
4.7 ( 2.7) |
67.3 ( 5.9) |
5.8 ( 3.0) |
22.2 ( 5.1) |
| SEX |
|
|
|
|
| Male |
4.5 ( 0.8) |
76.2 ( 1.9) |
3.5 ( 0.8) |
15.9 ( 1.7) |
| Female |
7.2 ( 0.9) |
64.6 ( 1.6) |
3.4 ( 0.6) |
24.8 ( 1.4) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
5.4 ( 0.8) |
76.9 ( 1.6) |
3.6 ( 0.7) |
14.2 ( 1.3) |
| Student |
10.9 ( 4.1) |
69.5 ( 7.0) |
5.5 ( 3.4) |
14.1 ( 4.9) |
| Not employed (homemaker, retired, unemployed) |
6.5 ( 1.1) |
57.8 ( 2.3) |
3.5 ( 0.8) |
32.2 ( 2.1) |
| Other |
4.4 ( 2.2) |
62.2 ( 6.3) |
0.0 ( 0.0) |
33.4 ( 6.2) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
5.2 ( 1.2) |
73.9 ( 2.6) |
2.4 ( 1.1) |
18.4 ( 2.2) |
| Resident of another state |
6.0 ( 0.7) |
69.4 ( 1.4) |
3.6 ( 0.6) |
21.0 ( 1.2) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
5.4 ( 0.8) |
79.8 ( 1.4) |
2.5 ( 0.5) |
12.3 ( 1.1) |
| Did not obtain a credit report |
6.5 ( 1.0) |
56.6 ( 2.2) |
4.7 ( 0.9) |
32.1 ( 2.0) |
| |
|
|
|
|
| Obtained credit score |
4.5 ( 0.9) |
85.6 ( 1.6) |
2.0 ( 0.6) |
7.9 ( 1.2) |
| Did not obtain credit score |
6.6 ( 0.8) |
62.4 ( 1.7) |
4.1 ( 0.7) |
27.0 ( 1.5) |
| |
|
|
|
|
| Disputed information on credit report |
5.1 ( 1.3) |
83.9 ( 2.2) |
1.7 ( 0.8) |
9.3 ( 1.8) |
| Did not dispute credit report information |
6.0 ( 0.7) |
66.9 ( 1.5) |
3.8 ( 0.6) |
23.2 ( 1.3) |
| |
|
|
|
|
| Had an auto or mortgage loan |
4.9 ( 0.6) |
76.2 ( 1.3) |
2.6 ( 0.5) |
16.2 ( 1.2) |
| Did not have an auto or mortgage loan |
9.1 ( 1.5) |
49.1 ( 3.0) |
6.1 ( 1.3) |
35.8 ( 2.7) |
| |
|
|
|
|
| Was a victim of identity theft |
6.6 ( 1.9) |
69.5 ( 4.0) |
6.3 ( 2.4) |
17.6 ( 3.2) |
| Was not a victim of identity theft |
5.8 ( 0.6) |
70.0 ( 1.3) |
3.1 ( 0.5) |
21.0 ( 1.2) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
6.9 ( 2.1) |
78.3 ( 3.6) |
1.8 ( 1.2) |
13.0 ( 2.7) |
| Did not obtain credit report due to an adverse action |
5.8 ( 0.6) |
69.3 ( 1.3) |
3.6 ( 0.5) |
21.4 ( 1.2) |