| All respondents |
15.4 ( 1.1) |
11.7 ( 0.9) |
48.9 ( 1.5) |
24.1 ( 1.2) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
20.8 ( 4.2) |
13.1 ( 3.0) |
41.4 ( 5.2) |
24.6 ( 4.1) |
| 25 to 34 |
11.6 ( 2.1) |
9.5 ( 2.0) |
60.7 ( 3.4) |
18.2 ( 2.6) |
| 35 to 44 |
19.0 ( 2.7) |
13.7 ( 2.4) |
53.2 ( 3.4) |
14.1 ( 2.2) |
| 45 to 54 |
13.3 ( 2.1) |
11.9 ( 2.2) |
52.6 ( 3.3) |
22.1 ( 2.7) |
| 55 to 64 |
17.7 ( 2.9) |
8.4 ( 2.1) |
52.2 ( 3.7) |
21.6 ( 2.9) |
| 65 and older |
16.4 ( 2.3) |
12.8 ( 2.2) |
30.3 ( 3.1) |
40.6 ( 3.2) |
| INCOME |
|
|
|
|
| Less than $25000 |
17.0 ( 1.7) |
11.4 ( 1.5) |
36.3 ( 2.3) |
35.3 ( 2.1) |
| $25000 to $49999 |
17.9 ( 2.4) |
10.3 ( 1.7) |
47.4 ( 3.1) |
24.3 ( 2.6) |
| $50000 to $74999 |
14.4 ( 2.5) |
14.0 ( 2.5) |
57.7 ( 3.5) |
13.9 ( 2.3) |
| $75000+ |
15.7 ( 2.5) |
11.4 ( 2.1) |
60.1 ( 3.3) |
12.8 ( 2.2) |
| EDUCATION |
|
|
|
|
| Less than high school |
20.3 ( 3.2) |
6.5 ( 1.6) |
19.0 ( 2.8) |
54.2 ( 3.7) |
| High school |
15.8 ( 1.8) |
10.9 ( 1.5) |
41.3 ( 2.5) |
32.0 ( 2.3) |
| Some post-secondary education |
18.0 ( 2.2) |
13.6 ( 2.0) |
51.3 ( 2.9) |
17.2 ( 2.0) |
| BA or more |
10.8 ( 1.7) |
12.4 ( 1.7) |
64.4 ( 2.6) |
12.4 ( 1.7) |
| ETHNICITY |
|
|
|
|
| White |
14.2 ( 1.3) |
11.8 ( 1.2) |
52.8 ( 1.9) |
21.2 ( 1.5) |
| Black |
21.8 ( 2.6) |
9.3 ( 1.7) |
43.1 ( 3.0) |
25.8 ( 2.6) |
| Hispanic |
15.2 ( 2.4) |
11.7 ( 2.1) |
36.0 ( 3.0) |
37.1 ( 3.0) |
| Other |
16.3 ( 4.9) |
15.0 ( 4.7) |
44.6 ( 6.4) |
24.0 ( 5.1) |
| SEX |
|
|
|
|
| Male |
14.9 ( 1.7) |
11.3 ( 1.5) |
54.3 ( 2.3) |
19.5 ( 1.8) |
| Female |
15.9 ( 1.3) |
12.1 ( 1.2) |
44.1 ( 1.8) |
27.9 ( 1.5) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
15.3 ( 1.4) |
11.5 ( 1.2) |
56.1 ( 1.9) |
17.1 ( 1.4) |
| Student |
28.3 ( 8.6) |
17.0 ( 5.8) |
38.3 ( 8.1) |
16.4 ( 5.6) |
| Not employed (homemaker, retired, unemployed) |
14.7 ( 1.7) |
12.1 ( 1.5) |
38.3 ( 2.3) |
34.9 ( 2.2) |
| Other |
9.3 ( 3.2) |
7.5 ( 2.7) |
34.7 ( 6.2) |
48.5 ( 6.5) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
18.2 ( 2.6) |
11.1 ( 1.9) |
47.4 ( 3.1) |
23.3 ( 2.5) |
| Resident of another state |
15.0 ( 1.1) |
11.8 ( 1.0) |
49.1 ( 1.6) |
24.2 ( 1.3) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
15.1 ( 1.4) |
10.9 ( 1.2) |
58.6 ( 1.9) |
15.5 ( 1.3) |
| Did not obtain a credit report |
15.8 ( 1.6) |
12.8 ( 1.5) |
35.6 ( 2.2) |
35.8 ( 2.1) |
| |
|
|
|
|
| Obtained credit score |
13.7 ( 1.8) |
12.3 ( 1.7) |
64.4 ( 2.4) |
9.6 ( 1.4) |
| Did not obtain credit score |
16.2 ( 1.3) |
11.4 ( 1.1) |
41.3 ( 1.8) |
31.1 ( 1.6) |
| |
|
|
|
|
| Disputed information on credit report |
12.1 ( 2.0) |
10.8 ( 1.9) |
60.8 ( 3.2) |
16.4 ( 2.6) |
| Did not dispute credit report information |
16.1 ( 1.2) |
11.9 ( 1.0) |
46.2 ( 1.6) |
25.8 ( 1.3) |
| |
|
|
|
|
| Had an auto or mortgage loan |
14.3 ( 1.1) |
11.6 ( 1.1) |
53.6 ( 1.7) |
20.5 ( 1.3) |
| Did not have an auto or mortgage loan |
19.2 ( 2.5) |
12.0 ( 1.8) |
32.8 ( 2.9) |
36.0 ( 2.7) |
| |
|
|
|
|
| Was a victim of identity theft |
16.0 ( 3.2) |
13.1 ( 3.1) |
52.2 ( 4.4) |
18.7 ( 3.2) |
| Was not a victim of identity theft |
15.3 ( 1.1) |
11.5 ( 1.0) |
48.5 ( 1.6) |
24.7 ( 1.3) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
14.8 ( 3.6) |
10.1 ( 2.6) |
49.8 ( 5.2) |
25.3 ( 4.5) |
| Did not obtain credit report due to an adverse action |
15.4 ( 1.1) |
11.8 ( 1.0) |
48.8 ( 1.5) |
24.0 ( 1.2) |