| All respondents |
28.2 ( 1.4) |
28.0 ( 1.3) |
43.8 ( 1.4) |
| AGE GROUP |
|
|
|
| 18 to 24 |
24.2 ( 4.6) |
25.3 ( 4.2) |
50.6 ( 5.1) |
| 25 to 34 |
39.2 ( 3.5) |
20.3 ( 2.8) |
40.4 ( 3.5) |
| 35 to 44 |
34.6 ( 3.3) |
25.0 ( 3.0) |
40.3 ( 3.4) |
| 45 to 54 |
25.7 ( 2.9) |
24.1 ( 2.8) |
50.2 ( 3.3) |
| 55 to 64 |
23.9 ( 3.2) |
31.3 ( 3.4) |
44.8 ( 3.7) |
| 65 and older |
15.6 ( 2.5) |
39.6 ( 3.2) |
44.7 ( 3.2) |
| INCOME |
|
|
|
| Less than $25000 |
14.7 ( 1.7) |
33.5 ( 2.2) |
51.7 ( 2.3) |
| $25000 to $49999 |
27.6 ( 2.9) |
23.6 ( 2.5) |
48.8 ( 3.1) |
| $50000 to $74999 |
38.0 ( 3.4) |
28.2 ( 3.2) |
33.9 ( 3.4) |
| $75000+ |
40.3 ( 3.3) |
20.2 ( 2.7) |
39.4 ( 3.4) |
| EDUCATION |
|
|
|
| Less than high school |
8.1 ( 2.2) |
36.1 ( 3.6) |
55.8 ( 3.7) |
| High school |
18.1 ( 2.0) |
32.8 ( 2.4) |
49.1 ( 2.5) |
| Some post-secondary education |
31.7 ( 2.7) |
22.8 ( 2.2) |
45.5 ( 2.9) |
| BA or more |
41.9 ( 2.7) |
25.0 ( 2.4) |
33.1 ( 2.6) |
| ETHNICITY |
|
|
|
| White |
30.0 ( 1.8) |
28.2 ( 1.7) |
41.7 ( 1.9) |
| Black |
29.4 ( 2.8) |
24.1 ( 2.5) |
46.5 ( 3.0) |
| Hispanic |
15.2 ( 2.3) |
28.3 ( 2.8) |
56.5 ( 3.1) |
| Other |
36.1 ( 6.4) |
32.8 ( 5.9) |
31.1 ( 5.7) |
| SEX |
|
|
|
| Male |
31.8 ( 2.2) |
23.1 ( 1.9) |
45.1 ( 2.3) |
| Female |
24.8 ( 1.6) |
32.4 ( 1.7) |
42.8 ( 1.8) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
33.1 ( 1.8) |
25.3 ( 1.7) |
41.7 ( 1.9) |
| Student |
34.6 ( 9.0) |
18.3 ( 5.7) |
47.1 ( 8.4) |
| Not employed (homemaker, retired, unemployed) |
19.0 ( 2.0) |
33.6 ( 2.2) |
47.4 ( 2.3) |
| Other |
22.1 ( 5.0) |
31.9 ( 6.2) |
46.0 ( 6.4) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
34.9 ( 3.0) |
20.4 ( 2.4) |
44.7 ( 3.1) |
| Resident of another state |
27.2 ( 1.5) |
29.1 ( 1.4) |
43.7 ( 1.6) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
40.7 ( 1.9) |
23.1 ( 1.6) |
36.2 ( 1.8) |
| Did not obtain a credit report |
11.1 ( 1.5) |
34.7 ( 2.1) |
54.2 ( 2.2) |
| |
|
|
|
| Obtained credit score |
60.2 ( 2.5) |
13.3 ( 1.7) |
26.5 ( 2.2) |
| Did not obtain credit score |
12.6 ( 1.3) |
35.1 ( 1.7) |
52.3 ( 1.8) |
| |
|
|
|
| Disputed information on credit report |
45.7 ( 3.3) |
18.7 ( 2.6) |
35.6 ( 3.2) |
| Did not dispute credit report information |
24.4 ( 1.5) |
30.0 ( 1.4) |
45.6 ( 1.6) |
| |
|
|
|
| Had an auto or mortgage loan |
31.8 ( 1.6) |
26.6 ( 1.4) |
41.6 ( 1.7) |
| Did not have an auto or mortgage loan |
16.3 ( 2.6) |
32.5 ( 2.7) |
51.2 ( 3.0) |
| |
|
|
|
| Was a victim of identity theft |
31.2 ( 4.1) |
28.7 ( 3.9) |
40.1 ( 4.3) |
| Was not a victim of identity theft |
27.9 ( 1.4) |
27.9 ( 1.4) |
44.2 ( 1.5) |
| |
|
|
|
| Obtained credit report due to an adverse action |
37.9 ( 5.3) |
23.6 ( 4.4) |
38.4 ( 4.9) |
| Did not obtain credit report due to an adverse action |
27.3 ( 1.4) |
28.4 ( 1.3) |
44.3 ( 1.5) |