| All respondents |
4.5 ( 0.6) |
1.6 ( 0.4) |
87.0 ( 0.9) |
6.9 ( 0.6) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
6.3 ( 2.3) |
0.8 ( 0.8) |
83.5 ( 3.4) |
9.5 ( 2.6) |
| 25 to 34 |
2.4 ( 0.8) |
1.5 ( 1.0) |
91.2 ( 1.7) |
4.9 ( 1.2) |
| 35 to 44 |
3.7 ( 1.1) |
2.0 ( 1.0) |
91.3 ( 1.8) |
2.9 ( 1.1) |
| 45 to 54 |
2.4 ( 0.9) |
0.6 ( 0.5) |
90.1 ( 1.7) |
6.9 ( 1.4) |
| 55 to 64 |
5.4 ( 1.6) |
0.6 ( 0.4) |
92.2 ( 1.8) |
1.8 ( 0.7) |
| 65 and older |
8.1 ( 1.8) |
2.6 ( 1.0) |
77.5 ( 2.6) |
11.8 ( 1.8) |
| INCOME |
|
|
|
|
| Less than $25000 |
6.7 ( 1.2) |
2.1 ( 0.6) |
75.5 ( 2.0) |
15.6 ( 1.6) |
| $25000 to $49999 |
5.0 ( 1.2) |
1.5 ( 0.8) |
89.7 ( 1.8) |
3.8 ( 1.1) |
| $50000 to $74999 |
2.6 ( 1.1) |
1.0 ( 0.7) |
94.5 ( 1.6) |
2.0 ( 1.1) |
| $75000+ |
2.5 ( 1.0) |
1.3 ( 0.9) |
95.0 ( 1.5) |
1.1 ( 0.7) |
| EDUCATION |
|
|
|
|
| Less than high school |
12.2 ( 2.6) |
2.2 ( 1.0) |
55.9 ( 3.7) |
29.7 ( 3.3) |
| High school |
7.1 ( 1.3) |
1.7 ( 0.7) |
83.2 ( 1.8) |
8.0 ( 1.3) |
| Some post-secondary education |
2.5 ( 0.8) |
2.0 ( 0.8) |
93.2 ( 1.4) |
2.3 ( 0.9) |
| BA or more |
1.2 ( 0.5) |
0.8 ( 0.4) |
95.6 ( 1.0) |
2.5 ( 0.7) |
| ETHNICITY |
|
|
|
|
| White |
3.7 ( 0.7) |
1.5 ( 0.5) |
90.9 ( 1.0) |
3.9 ( 0.7) |
| Black |
7.0 ( 1.5) |
1.5 ( 0.7) |
86.0 ( 2.0) |
5.5 ( 1.3) |
| Hispanic |
5.9 ( 1.6) |
1.8 ( 0.9) |
69.3 ( 2.9) |
23.0 ( 2.5) |
| Other |
5.8 ( 2.7) |
2.1 ( 1.6) |
84.2 ( 4.3) |
7.9 ( 3.3) |
| SEX |
|
|
|
|
| Male |
4.4 ( 0.9) |
1.5 ( 0.6) |
89.1 ( 1.4) |
4.9 ( 0.9) |
| Female |
4.6 ( 0.7) |
1.6 ( 0.4) |
85.2 ( 1.2) |
8.6 ( 0.9) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
3.0 ( 0.6) |
1.1 ( 0.5) |
91.7 ( 1.0) |
4.2 ( 0.7) |
| Student |
3.3 ( 2.3) |
0.0 ( 0.0) |
92.4 ( 3.4) |
4.3 ( 2.5) |
| Not employed (homemaker, retired, unemployed) |
7.0 ( 1.2) |
2.1 ( 0.7) |
79.0 ( 1.8) |
11.9 ( 1.3) |
| Other |
7.8 ( 3.2) |
4.9 ( 2.6) |
75.5 ( 5.4) |
11.7 ( 4.1) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
4.6 ( 1.5) |
1.3 ( 0.8) |
88.4 ( 2.0) |
5.7 ( 1.2) |
| Resident of another state |
4.5 ( 0.6) |
1.6 ( 0.4) |
86.8 ( 1.0) |
7.1 ( 0.7) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
3.4 ( 0.6) |
1.6 ( 0.5) |
93.2 ( 0.9) |
1.8 ( 0.5) |
| Did not obtain a credit report |
6.0 ( 1.0) |
1.5 ( 0.4) |
78.5 ( 1.7) |
13.9 ( 1.3) |
| |
|
|
|
|
| Obtained credit score |
2.8 ( 0.8) |
2.0 ( 0.8) |
94.2 ( 1.2) |
1.0 ( 0.4) |
| Did not obtain credit score |
5.3 ( 0.7) |
1.3 ( 0.3) |
83.5 ( 1.2) |
9.8 ( 0.9) |
| |
|
|
|
|
| Disputed information on credit report |
2.4 ( 0.8) |
0.5 ( 0.3) |
95.0 ( 1.3) |
2.1 ( 0.9) |
| Did not dispute credit report information |
5.0 ( 0.7) |
1.8 ( 0.4) |
85.2 ( 1.0) |
8.0 ( 0.7) |
| |
|
|
|
|
| Had an auto or mortgage loan |
3.7 ( 0.6) |
1.6 ( 0.4) |
91.3 ( 0.9) |
3.3 ( 0.5) |
| Did not have an auto or mortgage loan |
7.1 ( 1.4) |
1.4 ( 0.6) |
72.5 ( 2.5) |
19.0 ( 2.1) |
| |
|
|
|
|
| Was a victim of identity theft |
6.7 ( 2.0) |
1.2 ( 1.0) |
89.0 ( 2.5) |
3.0 ( 1.1) |
| Was not a victim of identity theft |
4.3 ( 0.6) |
1.6 ( 0.4) |
86.8 ( 1.0) |
7.4 ( 0.7) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
3.4 ( 1.3) |
0.7 ( 0.5) |
93.1 ( 2.2) |
2.8 ( 1.7) |
| Did not obtain credit report due to an adverse action |
4.6 ( 0.6) |
1.6 ( 0.4) |
86.4 ( 0.9) |
7.3 ( 0.7) |