| All respondents |
3.7 ( 0.5) |
1.7 ( 0.3) |
86.9 ( 0.9) |
7.8 ( 0.7) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
3.4 ( 1.7) |
0.8 ( 0.6) |
84.9 ( 3.2) |
10.9 ( 2.8) |
| 25 to 34 |
2.3 ( 0.8) |
0.8 ( 0.5) |
90.8 ( 1.5) |
6.1 ( 1.2) |
| 35 to 44 |
3.5 ( 1.1) |
1.1 ( 0.6) |
93.0 ( 1.4) |
2.3 ( 0.7) |
| 45 to 54 |
4.3 ( 1.4) |
1.5 ( 0.8) |
88.3 ( 1.9) |
5.9 ( 1.1) |
| 55 to 64 |
2.4 ( 1.0) |
3.2 ( 1.2) |
91.3 ( 1.8) |
3.0 ( 0.9) |
| 65 and older |
5.6 ( 1.4) |
1.1 ( 0.7) |
79.8 ( 2.5) |
13.5 ( 2.0) |
| INCOME |
|
|
|
|
| Less than $25000 |
6.0 ( 1.1) |
1.8 ( 0.6) |
74.3 ( 2.0) |
17.9 ( 1.7) |
| $25000 to $49999 |
3.6 ( 1.0) |
1.4 ( 0.7) |
92.4 ( 1.4) |
2.6 ( 0.8) |
| $50000 to $74999 |
3.8 ( 1.3) |
2.1 ( 0.9) |
91.7 ( 1.8) |
2.3 ( 0.9) |
| $75000+ |
1.7 ( 0.8) |
1.3 ( 0.6) |
95.8 ( 1.1) |
1.2 ( 0.6) |
| EDUCATION |
|
|
|
|
| Less than high school |
9.3 ( 2.2) |
2.0 ( 0.9) |
55.4 ( 3.7) |
33.3 ( 3.4) |
| High school |
5.0 ( 1.0) |
1.9 ( 0.6) |
83.9 ( 1.7) |
9.2 ( 1.3) |
| Some post-secondary education |
2.9 ( 0.8) |
1.6 ( 0.6) |
93.2 ( 1.3) |
2.4 ( 0.8) |
| BA or more |
1.3 ( 0.6) |
1.5 ( 0.5) |
94.6 ( 1.1) |
2.7 ( 0.8) |
| ETHNICITY |
|
|
|
|
| White |
3.1 ( 0.6) |
1.2 ( 0.4) |
92.0 ( 0.9) |
3.6 ( 0.6) |
| Black |
5.1 ( 1.3) |
2.9 ( 1.0) |
84.0 ( 2.1) |
8.0 ( 1.5) |
| Hispanic |
5.2 ( 1.4) |
3.2 ( 1.1) |
62.5 ( 3.0) |
29.1 ( 2.8) |
| Other |
3.8 ( 2.3) |
0.6 ( 0.6) |
90.6 ( 3.4) |
5.1 ( 2.6) |
| SEX |
|
|
|
|
| Male |
3.1 ( 0.8) |
1.4 ( 0.4) |
89.3 ( 1.3) |
6.1 ( 1.0) |
| Female |
4.2 ( 0.7) |
1.9 ( 0.5) |
85.0 ( 1.1) |
8.8 ( 0.8) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
2.9 ( 0.6) |
1.0 ( 0.3) |
91.3 ( 1.0) |
4.8 ( 0.7) |
| Student |
0.0 ( 0.0) |
0.0 ( 0.0) |
95.7 ( 2.5) |
4.3 ( 2.5) |
| Not employed (homemaker, retired, unemployed) |
5.1 ( 1.0) |
2.9 ( 0.8) |
78.5 ( 1.8) |
13.6 ( 1.4) |
| Other |
7.7 ( 3.1) |
3.5 ( 2.1) |
78.1 ( 5.0) |
10.7 ( 3.7) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
3.5 ( 1.1) |
1.2 ( 0.6) |
89.2 ( 1.8) |
6.0 ( 1.3) |
| Resident of another state |
3.7 ( 0.5) |
1.7 ( 0.4) |
86.5 ( 1.0) |
8.0 ( 0.7) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
3.1 ( 0.6) |
2.0 ( 0.5) |
92.4 ( 0.9) |
2.6 ( 0.5) |
| Did not obtain a credit report |
4.5 ( 0.8) |
1.3 ( 0.4) |
79.3 ( 1.6) |
14.9 ( 1.4) |
| |
|
|
|
|
| Obtained credit score |
2.5 ( 0.7) |
1.8 ( 0.5) |
93.6 ( 1.1) |
2.1 ( 0.5) |
| Did not obtain credit score |
4.3 ( 0.6) |
1.6 ( 0.4) |
83.6 ( 1.2) |
10.6 ( 0.9) |
| |
|
|
|
|
| Disputed information on credit report |
1.8 ( 0.6) |
2.8 ( 0.9) |
94.0 ( 1.3) |
1.5 ( 0.6) |
| Did not dispute credit report information |
4.1 ( 0.6) |
1.4 ( 0.3) |
85.3 ( 1.0) |
9.2 ( 0.8) |
| |
|
|
|
|
| Had an auto or mortgage loan |
3.5 ( 0.6) |
1.9 ( 0.4) |
91.1 ( 0.8) |
3.5 ( 0.5) |
| Did not have an auto or mortgage loan |
4.2 ( 1.0) |
1.0 ( 0.5) |
72.7 ( 2.4) |
22.1 ( 2.2) |
| |
|
|
|
|
| Was a victim of identity theft |
4.8 ( 1.7) |
2.6 ( 1.3) |
89.4 ( 2.3) |
3.2 ( 1.2) |
| Was not a victim of identity theft |
3.6 ( 0.5) |
1.6 ( 0.3) |
86.6 ( 0.9) |
8.3 ( 0.7) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
2.9 ( 1.2) |
1.2 ( 0.7) |
95.1 ( 1.5) |
0.9 ( 0.6) |
| Did not obtain credit report due to an adverse action |
3.8 ( 0.5) |
1.7 ( 0.3) |
86.1 ( 0.9) |
8.4 ( 0.7) |