| All respondents |
14.8 ( 1.0) |
12.3 ( 1.0) |
51.5 ( 1.5) |
21.4 ( 1.2) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
18.1 ( 3.9) |
17.0 ( 3.9) |
39.2 ( 5.0) |
25.8 ( 4.5) |
| 25 to 34 |
16.4 ( 2.5) |
9.1 ( 2.1) |
56.7 ( 3.5) |
17.8 ( 2.6) |
| 35 to 44 |
17.6 ( 2.5) |
11.9 ( 2.5) |
56.8 ( 3.4) |
13.7 ( 2.4) |
| 45 to 54 |
15.2 ( 2.3) |
12.9 ( 2.3) |
50.1 ( 3.3) |
21.8 ( 2.6) |
| 55 to 64 |
11.1 ( 2.4) |
9.3 ( 2.1) |
60.6 ( 3.6) |
19.0 ( 2.8) |
| 65 and older |
11.5 ( 1.9) |
13.0 ( 2.2) |
45.2 ( 3.3) |
30.3 ( 3.0) |
| INCOME |
|
|
|
|
| Less than $25000 |
19.4 ( 1.8) |
10.4 ( 1.4) |
40.2 ( 2.3) |
30.0 ( 2.1) |
| $25000 to $49999 |
18.4 ( 2.5) |
11.1 ( 2.0) |
52.1 ( 3.1) |
18.3 ( 2.4) |
| $50000 to $74999 |
11.1 ( 2.2) |
15.5 ( 2.7) |
59.2 ( 3.5) |
14.1 ( 2.4) |
| $75000+ |
10.7 ( 2.0) |
10.9 ( 2.3) |
62.0 ( 3.3) |
16.3 ( 2.6) |
| EDUCATION |
|
|
|
|
| Less than high school |
15.7 ( 2.6) |
9.3 ( 2.3) |
27.5 ( 3.4) |
47.5 ( 3.7) |
| High school |
18.4 ( 1.9) |
11.8 ( 1.7) |
46.5 ( 2.5) |
23.2 ( 2.1) |
| Some post-secondary education |
14.5 ( 2.1) |
14.4 ( 2.2) |
58.0 ( 2.8) |
13.1 ( 1.7) |
| BA or more |
10.8 ( 1.7) |
11.9 ( 1.7) |
58.8 ( 2.7) |
18.5 ( 2.3) |
| ETHNICITY |
|
|
|
|
| White |
11.7 ( 1.2) |
13.0 ( 1.3) |
56.0 ( 1.9) |
19.3 ( 1.5) |
| Black |
22.3 ( 2.6) |
7.6 ( 1.5) |
52.2 ( 3.0) |
17.9 ( 2.2) |
| Hispanic |
20.8 ( 2.6) |
11.1 ( 2.2) |
31.8 ( 2.9) |
36.3 ( 2.9) |
| Other |
21.4 ( 5.2) |
17.0 ( 4.8) |
42.4 ( 6.4) |
19.1 ( 4.7) |
| SEX |
|
|
|
|
| Male |
16.5 ( 1.7) |
13.1 ( 1.6) |
52.4 ( 2.3) |
18.0 ( 1.8) |
| Female |
13.2 ( 1.2) |
11.5 ( 1.2) |
51.0 ( 1.8) |
24.4 ( 1.5) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
13.9 ( 1.3) |
13.4 ( 1.4) |
55.9 ( 2.0) |
16.8 ( 1.5) |
| Student |
30.1 ( 8.5) |
6.3 ( 3.8) |
45.9 ( 8.4) |
17.7 ( 6.1) |
| Not employed (homemaker, retired, unemployed) |
14.5 ( 1.6) |
11.4 ( 1.5) |
45.0 ( 2.3) |
29.1 ( 2.1) |
| Other |
14.6 ( 4.2) |
9.0 ( 3.3) |
43.4 ( 6.3) |
33.0 ( 6.4) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
13.6 ( 2.0) |
13.3 ( 2.1) |
57.7 ( 3.0) |
15.4 ( 2.0) |
| Resident of another state |
14.9 ( 1.1) |
12.2 ( 1.1) |
50.6 ( 1.6) |
22.3 ( 1.3) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
14.1 ( 1.4) |
11.1 ( 1.2) |
59.4 ( 1.9) |
15.4 ( 1.3) |
| Did not obtain a credit report |
15.6 ( 1.5) |
14.0 ( 1.7) |
40.8 ( 2.2) |
29.6 ( 2.0) |
| |
|
|
|
|
| Obtained credit score |
13.8 ( 1.7) |
12.1 ( 1.7) |
61.1 ( 2.5) |
13.1 ( 1.7) |
| Did not obtain credit score |
15.2 ( 1.3) |
12.4 ( 1.2) |
46.8 ( 1.8) |
25.5 ( 1.5) |
| |
|
|
|
|
| Disputed information on credit report |
11.7 ( 2.0) |
7.2 ( 1.7) |
68.2 ( 3.0) |
12.8 ( 2.2) |
| Did not dispute credit report information |
15.4 ( 1.2) |
13.4 ( 1.1) |
47.9 ( 1.6) |
23.3 ( 1.3) |
| |
|
|
|
|
| Had an auto or mortgage loan |
13.4 ( 1.1) |
12.5 ( 1.2) |
56.9 ( 1.7) |
17.3 ( 1.3) |
| Did not have an auto or mortgage loan |
19.3 ( 2.3) |
11.7 ( 1.9) |
33.7 ( 2.9) |
35.3 ( 2.7) |
| |
|
|
|
|
| Was a victim of identity theft |
14.5 ( 2.8) |
6.3 ( 2.0) |
63.7 ( 4.1) |
15.5 ( 3.1) |
| Was not a victim of identity theft |
14.8 ( 1.1) |
12.9 ( 1.1) |
50.2 ( 1.5) |
22.1 ( 1.3) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
19.0 ( 3.7) |
7.7 ( 2.8) |
61.1 ( 4.9) |
12.2 ( 2.9) |
| Did not obtain credit report due to an adverse action |
14.4 ( 1.1) |
12.7 ( 1.1) |
50.7 ( 1.5) |
22.3 ( 1.2) |