| All respondents |
21.0 ( 1.1) |
50.0 ( 1.5) |
10.3 ( 0.9) |
18.7 ( 1.1) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
20.4 ( 3.9) |
51.0 ( 5.1) |
8.9 ( 2.7) |
19.7 ( 4.3) |
| 25 to 34 |
16.2 ( 2.5) |
47.2 ( 3.6) |
17.6 ( 2.9) |
18.9 ( 2.7) |
| 35 to 44 |
18.6 ( 2.4) |
57.7 ( 3.3) |
11.2 ( 2.1) |
12.5 ( 2.1) |
| 45 to 54 |
25.6 ( 2.8) |
47.7 ( 3.3) |
7.8 ( 1.7) |
19.0 ( 2.5) |
| 55 to 64 |
20.0 ( 2.8) |
55.5 ( 3.7) |
6.0 ( 1.7) |
18.6 ( 2.9) |
| 65 and older |
27.7 ( 2.8) |
42.2 ( 3.3) |
6.8 ( 1.7) |
23.3 ( 2.7) |
| INCOME |
|
|
|
|
| Less than $25000 |
27.8 ( 2.0) |
34.8 ( 2.2) |
12.0 ( 1.6) |
25.4 ( 1.9) |
| $25000 to $49999 |
21.9 ( 2.5) |
50.5 ( 3.1) |
10.3 ( 1.9) |
17.3 ( 2.4) |
| $50000 to $74999 |
23.3 ( 2.9) |
52.6 ( 3.5) |
10.5 ( 2.2) |
13.7 ( 2.3) |
| $75000+ |
11.5 ( 1.9) |
63.8 ( 3.3) |
9.5 ( 2.1) |
15.3 ( 2.7) |
| EDUCATION |
|
|
|
|
| Less than high school |
30.9 ( 3.4) |
21.6 ( 3.2) |
7.4 ( 2.1) |
40.1 ( 3.6) |
| High school |
27.6 ( 2.3) |
41.8 ( 2.5) |
10.2 ( 1.6) |
20.4 ( 1.9) |
| Some post-secondary education |
20.3 ( 2.0) |
52.7 ( 2.9) |
11.2 ( 1.7) |
15.7 ( 2.2) |
| BA or more |
11.4 ( 1.6) |
65.4 ( 2.7) |
10.5 ( 1.8) |
12.6 ( 2.0) |
| ETHNICITY |
|
|
|
|
| White |
17.5 ( 1.4) |
56.3 ( 1.9) |
9.8 ( 1.2) |
16.5 ( 1.4) |
| Black |
37.7 ( 3.0) |
36.0 ( 2.9) |
12.3 ( 2.0) |
14.0 ( 2.0) |
| Hispanic |
23.7 ( 2.7) |
31.0 ( 2.9) |
10.0 ( 2.1) |
35.2 ( 2.9) |
| Other |
19.6 ( 4.8) |
52.0 ( 6.4) |
12.5 ( 4.4) |
16.0 ( 4.5) |
| SEX |
|
|
|
|
| Male |
17.9 ( 1.7) |
55.3 ( 2.3) |
11.6 ( 1.5) |
15.2 ( 1.7) |
| Female |
23.9 ( 1.5) |
45.4 ( 1.8) |
9.1 ( 1.0) |
21.6 ( 1.4) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
18.0 ( 1.4) |
54.7 ( 2.0) |
10.8 ( 1.2) |
16.6 ( 1.5) |
| Student |
14.6 ( 5.0) |
47.8 ( 8.6) |
20.5 ( 7.0) |
17.1 ( 5.6) |
| Not employed (homemaker, retired, unemployed) |
26.4 ( 2.0) |
42.5 ( 2.4) |
8.7 ( 1.3) |
22.4 ( 1.8) |
| Other |
26.6 ( 6.1) |
43.2 ( 6.4) |
6.4 ( 3.1) |
23.7 ( 5.1) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
21.1 ( 2.6) |
57.4 ( 3.0) |
7.5 ( 1.6) |
14.0 ( 1.9) |
| Resident of another state |
20.9 ( 1.2) |
49.0 ( 1.6) |
10.7 ( 1.0) |
19.4 ( 1.2) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
20.0 ( 1.4) |
54.8 ( 1.9) |
12.5 ( 1.3) |
12.6 ( 1.2) |
| Did not obtain a credit report |
22.2 ( 1.8) |
43.5 ( 2.2) |
7.1 ( 1.1) |
27.1 ( 2.0) |
| |
|
|
|
|
| Obtained credit score |
18.3 ( 1.8) |
54.9 ( 2.5) |
15.4 ( 1.9) |
11.4 ( 1.6) |
| Did not obtain credit score |
22.3 ( 1.4) |
47.7 ( 1.8) |
7.8 ( 1.0) |
22.3 ( 1.4) |
| |
|
|
|
|
| Disputed information on credit report |
19.7 ( 2.4) |
56.4 ( 3.3) |
12.0 ( 2.2) |
11.9 ( 2.1) |
| Did not dispute credit report information |
21.2 ( 1.3) |
48.6 ( 1.6) |
9.9 ( 1.0) |
20.2 ( 1.3) |
| |
|
|
|
|
| Had an auto or mortgage loan |
20.0 ( 1.3) |
52.1 ( 1.7) |
11.0 ( 1.1) |
16.9 ( 1.3) |
| Did not have an auto or mortgage loan |
24.2 ( 2.4) |
43.2 ( 3.0) |
7.6 ( 1.5) |
25.0 ( 2.3) |
| |
|
|
|
|
| Was a victim of identity theft |
31.4 ( 4.0) |
35.4 ( 4.2) |
17.0 ( 3.5) |
16.1 ( 3.1) |
| Was not a victim of identity theft |
19.8 ( 1.2) |
51.6 ( 1.5) |
9.5 ( 0.9) |
19.0 ( 1.2) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
25.6 ( 4.0) |
48.1 ( 5.3) |
13.2 ( 3.7) |
13.1 ( 3.0) |
| Did not obtain credit report due to an adverse action |
20.6 ( 1.2) |
50.2 ( 1.5) |
10.0 ( 0.9) |
19.2 ( 1.2) |