| All respondents |
3.9 ( 0.5) |
43.4 ( 1.5) |
29.0 ( 1.3) |
23.7 ( 1.2) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
1.8 ( 1.2) |
29.4 ( 4.8) |
38.3 ( 5.0) |
30.4 ( 4.7) |
| 25 to 34 |
4.4 ( 1.2) |
38.7 ( 3.5) |
34.1 ( 3.4) |
22.8 ( 2.9) |
| 35 to 44 |
3.7 ( 1.2) |
48.5 ( 3.4) |
27.8 ( 3.0) |
20.0 ( 2.7) |
| 45 to 54 |
4.9 ( 1.3) |
46.0 ( 3.3) |
30.9 ( 3.1) |
18.2 ( 2.4) |
| 55 to 64 |
3.3 ( 1.3) |
49.2 ( 3.7) |
29.1 ( 3.4) |
18.4 ( 2.8) |
| 65 and older |
4.5 ( 1.2) |
46.3 ( 3.3) |
17.8 ( 2.5) |
31.4 ( 3.0) |
| INCOME |
|
|
|
|
| Less than $25000 |
7.0 ( 1.1) |
32.1 ( 2.1) |
29.2 ( 2.1) |
31.6 ( 2.1) |
| $25000 to $49999 |
3.2 ( 1.0) |
48.2 ( 3.1) |
29.0 ( 3.0) |
19.6 ( 2.4) |
| $50000 to $74999 |
2.5 ( 1.0) |
43.1 ( 3.5) |
34.4 ( 3.4) |
19.9 ( 2.9) |
| $75000+ |
2.6 ( 1.1) |
50.7 ( 3.4) |
28.8 ( 3.1) |
17.9 ( 2.7) |
| EDUCATION |
|
|
|
|
| Less than high school |
12.6 ( 2.7) |
22.3 ( 3.1) |
18.4 ( 2.8) |
46.8 ( 3.7) |
| High school |
2.9 ( 0.6) |
43.3 ( 2.5) |
31.3 ( 2.4) |
22.5 ( 2.1) |
| Some post-secondary education |
2.5 ( 0.7) |
48.0 ( 2.9) |
29.0 ( 2.6) |
20.6 ( 2.3) |
| BA or more |
2.9 ( 0.9) |
46.7 ( 2.7) |
30.3 ( 2.6) |
20.2 ( 2.2) |
| ETHNICITY |
|
|
|
|
| White |
2.4 ( 0.5) |
48.0 ( 1.9) |
28.7 ( 1.7) |
21.0 ( 1.5) |
| Black |
9.0 ( 1.8) |
37.9 ( 2.9) |
31.3 ( 2.9) |
21.8 ( 2.4) |
| Hispanic |
5.2 ( 1.2) |
28.8 ( 2.9) |
24.7 ( 2.8) |
41.3 ( 3.1) |
| Other |
8.3 ( 3.6) |
35.5 ( 6.2) |
38.6 ( 6.3) |
17.7 ( 4.6) |
| SEX |
|
|
|
|
| Male |
4.0 ( 0.8) |
44.3 ( 2.3) |
32.8 ( 2.2) |
18.9 ( 1.8) |
| Female |
3.7 ( 0.6) |
42.6 ( 1.8) |
25.5 ( 1.6) |
28.1 ( 1.6) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
2.7 ( 0.6) |
45.8 ( 2.0) |
31.2 ( 1.8) |
20.3 ( 1.6) |
| Student |
3.8 ( 2.2) |
28.0 ( 7.4) |
40.6 ( 8.7) |
27.6 ( 7.0) |
| Not employed (homemaker, retired, unemployed) |
5.9 ( 1.0) |
40.6 ( 2.3) |
24.3 ( 2.0) |
29.2 ( 2.0) |
| Other |
3.9 ( 1.8) |
44.7 ( 6.4) |
22.2 ( 5.1) |
29.2 ( 6.2) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
5.0 ( 1.2) |
44.2 ( 3.0) |
32.5 ( 3.0) |
18.3 ( 2.4) |
| Resident of another state |
3.7 ( 0.5) |
43.3 ( 1.6) |
28.4 ( 1.5) |
24.5 ( 1.3) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
3.6 ( 0.6) |
49.9 ( 1.9) |
29.4 ( 1.8) |
17.1 ( 1.4) |
| Did not obtain a credit report |
4.2 ( 0.8) |
34.6 ( 2.1) |
28.4 ( 2.1) |
32.8 ( 2.0) |
| |
|
|
|
|
| Obtained credit score |
2.5 ( 0.7) |
51.9 ( 2.5) |
29.8 ( 2.3) |
15.8 ( 1.9) |
| Did not obtain credit score |
4.5 ( 0.7) |
39.3 ( 1.8) |
28.5 ( 1.6) |
27.6 ( 1.5) |
| |
|
|
|
|
| Disputed information on credit report |
3.1 ( 1.0) |
48.5 ( 3.3) |
33.7 ( 3.2) |
14.7 ( 2.5) |
| Did not dispute credit report information |
4.0 ( 0.6) |
42.3 ( 1.6) |
27.9 ( 1.5) |
25.7 ( 1.4) |
| |
|
|
|
|
| Had an auto or mortgage loan |
3.3 ( 0.5) |
48.3 ( 1.7) |
29.4 ( 1.5) |
19.0 ( 1.3) |
| Did not have an auto or mortgage loan |
5.7 ( 1.2) |
27.1 ( 2.7) |
27.5 ( 2.7) |
39.7 ( 2.9) |
| |
|
|
|
|
| Was a victim of identity theft |
4.1 ( 1.6) |
37.6 ( 4.2) |
39.9 ( 4.3) |
18.4 ( 3.4) |
| Was not a victim of identity theft |
3.8 ( 0.5) |
44.1 ( 1.5) |
27.8 ( 1.4) |
24.3 ( 1.3) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
6.3 ( 1.9) |
43.7 ( 5.2) |
28.9 ( 4.7) |
21.0 ( 4.2) |
| Did not obtain credit report due to an adverse action |
3.6 ( 0.5) |
43.4 ( 1.5) |
29.0 ( 1.4) |
24.0 ( 1.3) |