| All respondents |
11.4 ( 0.9) |
9.9 ( 0.9) |
59.9 ( 1.4) |
18.8 ( 1.1) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
7.5 ( 2.2) |
10.3 ( 3.3) |
59.8 ( 4.9) |
22.4 ( 4.0) |
| 25 to 34 |
9.3 ( 2.0) |
5.7 ( 1.6) |
73.5 ( 2.9) |
11.5 ( 1.9) |
| 35 to 44 |
12.7 ( 2.1) |
10.8 ( 2.3) |
61.9 ( 3.3) |
14.5 ( 2.3) |
| 45 to 54 |
11.2 ( 1.9) |
11.1 ( 2.1) |
58.9 ( 3.2) |
18.9 ( 2.4) |
| 55 to 64 |
10.4 ( 2.2) |
8.5 ( 2.0) |
64.6 ( 3.5) |
16.5 ( 2.6) |
| 65 and older |
16.3 ( 2.4) |
12.9 ( 2.3) |
44.1 ( 3.3) |
26.7 ( 2.7) |
| INCOME |
|
|
|
|
| Less than $25000 |
17.3 ( 1.7) |
7.9 ( 1.3) |
44.2 ( 2.3) |
30.5 ( 2.0) |
| $25000 to $49999 |
11.3 ( 1.9) |
12.6 ( 2.2) |
60.1 ( 3.0) |
16.0 ( 2.1) |
| $50000 to $74999 |
10.0 ( 2.1) |
10.1 ( 2.2) |
67.8 ( 3.3) |
12.1 ( 2.3) |
| $75000+ |
7.1 ( 1.6) |
6.9 ( 1.7) |
77.7 ( 2.8) |
8.2 ( 1.9) |
| EDUCATION |
|
|
|
|
| Less than high school |
21.4 ( 3.0) |
7.9 ( 2.2) |
21.2 ( 3.2) |
49.5 ( 3.7) |
| High school |
15.5 ( 1.8) |
11.8 ( 1.7) |
52.2 ( 2.5) |
20.5 ( 2.0) |
| Some post-secondary education |
9.5 ( 1.5) |
11.5 ( 2.0) |
65.4 ( 2.7) |
13.6 ( 1.8) |
| BA or more |
5.4 ( 1.2) |
7.2 ( 1.4) |
75.8 ( 2.3) |
11.5 ( 1.7) |
| ETHNICITY |
|
|
|
|
| White |
9.1 ( 1.0) |
10.2 ( 1.2) |
66.1 ( 1.8) |
14.6 ( 1.3) |
| Black |
17.8 ( 2.3) |
8.7 ( 1.7) |
54.2 ( 3.0) |
19.3 ( 2.3) |
| Hispanic |
14.7 ( 2.1) |
7.9 ( 1.7) |
35.5 ( 3.0) |
41.9 ( 3.1) |
| Other |
17.2 ( 4.6) |
14.4 ( 4.5) |
57.5 ( 6.2) |
10.8 ( 3.3) |
| SEX |
|
|
|
|
| Male |
11.4 ( 1.4) |
12.1 ( 1.6) |
61.5 ( 2.2) |
15.1 ( 1.6) |
| Female |
11.2 ( 1.0) |
7.9 ( 1.0) |
58.8 ( 1.7) |
22.1 ( 1.4) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
9.2 ( 1.0) |
9.4 ( 1.2) |
67.8 ( 1.8) |
13.6 ( 1.3) |
| Student |
7.0 ( 3.7) |
16.2 ( 7.9) |
64.3 ( 8.4) |
12.5 ( 4.6) |
| Not employed (homemaker, retired, unemployed) |
15.1 ( 1.7) |
10.2 ( 1.5) |
46.6 ( 2.4) |
28.1 ( 2.0) |
| Other |
16.3 ( 4.4) |
9.5 ( 3.6) |
45.2 ( 6.4) |
29.0 ( 6.3) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
10.4 ( 2.0) |
7.4 ( 1.6) |
66.1 ( 2.9) |
16.1 ( 2.1) |
| Resident of another state |
11.5 ( 0.9) |
10.2 ( 1.0) |
59.0 ( 1.6) |
19.2 ( 1.2) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
10.4 ( 1.1) |
9.3 ( 1.2) |
69.7 ( 1.7) |
10.6 ( 1.1) |
| Did not obtain a credit report |
12.7 ( 1.3) |
10.7 ( 1.4) |
46.6 ( 2.3) |
30.0 ( 1.9) |
| |
|
|
|
|
| Obtained credit score |
10.5 ( 1.5) |
6.1 ( 1.2) |
75.7 ( 2.1) |
7.8 ( 1.2) |
| Did not obtain credit score |
11.8 ( 1.0) |
11.7 ( 1.2) |
52.3 ( 1.8) |
24.2 ( 1.4) |
| |
|
|
|
|
| Disputed information on credit report |
6.5 ( 1.3) |
7.5 ( 1.9) |
74.6 ( 2.9) |
11.4 ( 2.1) |
| Did not dispute credit report information |
12.4 ( 1.0) |
10.4 ( 1.0) |
56.7 ( 1.6) |
20.4 ( 1.2) |
| |
|
|
|
|
| Had an auto or mortgage loan |
10.6 ( 1.0) |
10.4 ( 1.0) |
65.1 ( 1.6) |
14.0 ( 1.1) |
| Did not have an auto or mortgage loan |
14.1 ( 1.9) |
8.3 ( 1.8) |
42.7 ( 3.0) |
34.8 ( 2.7) |
| |
|
|
|
|
| Was a victim of identity theft |
15.2 ( 3.0) |
5.4 ( 2.0) |
65.2 ( 4.0) |
14.1 ( 2.8) |
| Was not a victim of identity theft |
11.0 ( 0.9) |
10.4 ( 1.0) |
59.4 ( 1.5) |
19.3 ( 1.1) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
11.6 ( 2.8) |
9.4 ( 3.5) |
67.1 ( 4.8) |
11.9 ( 2.9) |
| Did not obtain credit report due to an adverse action |
11.4 ( 0.9) |
9.9 ( 0.9) |
59.3 ( 1.5) |
19.4 ( 1.1) |