| All respondents |
32.8 ( 1.4) |
63.9 ( 1.4) |
3.3 ( 0.5) |
| AGE GROUP |
|
|
|
| 18 to 24 |
7.4 ( 2.2) |
90.7 ( 2.5) |
1.8 ( 1.2) |
| 25 to 34 |
42.6 ( 3.5) |
54.4 ( 3.5) |
3.0 ( 1.1) |
| 35 to 44 |
47.7 ( 3.4) |
48.5 ( 3.4) |
3.8 ( 1.2) |
| 45 to 54 |
37.8 ( 3.2) |
59.7 ( 3.2) |
2.5 ( 0.9) |
| 55 to 64 |
33.1 ( 3.5) |
63.9 ( 3.6) |
3.0 ( 1.3) |
| 65 and older |
17.1 ( 2.6) |
79.6 ( 2.7) |
3.3 ( 1.0) |
| INCOME |
|
|
|
| Less than $25000 |
19.3 ( 1.8) |
75.9 ( 1.9) |
4.9 ( 0.9) |
| $25000 to $49999 |
28.1 ( 2.7) |
68.8 ( 2.8) |
3.1 ( 1.0) |
| $50000 to $74999 |
44.1 ( 3.5) |
53.0 ( 3.5) |
2.9 ( 1.2) |
| $75000+ |
48.7 ( 3.4) |
49.5 ( 3.4) |
1.9 ( 0.8) |
| EDUCATION |
|
|
|
| Less than high school |
8.5 ( 2.2) |
86.5 ( 2.5) |
5.0 ( 1.5) |
| High school |
23.3 ( 2.2) |
72.9 ( 2.3) |
3.8 ( 0.9) |
| Some post-secondary education |
39.8 ( 2.8) |
56.3 ( 2.8) |
3.9 ( 1.0) |
| BA or more |
44.1 ( 2.7) |
54.2 ( 2.7) |
1.7 ( 0.6) |
| ETHNICITY |
|
|
|
| White |
34.6 ( 1.8) |
62.6 ( 1.8) |
2.8 ( 0.6) |
| Black |
37.0 ( 2.9) |
61.1 ( 2.9) |
1.9 ( 0.7) |
| Hispanic |
21.6 ( 2.5) |
72.4 ( 2.7) |
6.0 ( 1.4) |
| Other |
28.3 ( 5.6) |
65.4 ( 5.9) |
6.3 ( 2.7) |
| SEX |
|
|
|
| Male |
32.9 ( 2.2) |
65.1 ( 2.2) |
2.0 ( 0.5) |
| Female |
32.9 ( 1.7) |
62.7 ( 1.7) |
4.4 ( 0.7) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
40.3 ( 1.9) |
57.4 ( 1.9) |
2.4 ( 0.5) |
| Student |
15.4 ( 5.2) |
76.7 ( 6.6) |
7.9 ( 4.5) |
| Not employed (homemaker, retired, unemployed) |
20.7 ( 1.9) |
74.6 ( 2.1) |
4.7 ( 0.9) |
| Other |
31.6 ( 5.7) |
65.7 ( 5.9) |
2.7 ( 1.7) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
36.6 ( 2.9) |
59.3 ( 3.0) |
4.1 ( 1.1) |
| Resident of another state |
32.2 ( 1.5) |
64.5 ( 1.5) |
3.2 ( 0.5) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
52.5 ( 1.9) |
43.8 ( 1.9) |
3.7 ( 0.7) |
| Did not obtain a credit report |
5.9 ( 1.0) |
91.4 ( 1.2) |
2.7 ( 0.6) |
| |
|
|
|
| Obtained credit score |
100 ( 0.0) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| Did not obtain credit score |
0.0 ( 0.0) |
95.1 ( 0.7) |
4.9 ( 0.7) |
| |
|
|
|
| Disputed information on credit report |
55.3 ( 3.3) |
41.8 ( 3.3) |
2.9 ( 1.0) |
| Did not dispute credit report information |
27.9 ( 1.5) |
68.7 ( 1.5) |
3.4 ( 0.5) |
| |
|
|
|
| Had an auto or mortgage loan |
39.6 ( 1.6) |
57.3 ( 1.7) |
3.2 ( 0.5) |
| Did not have an auto or mortgage loan |
10.2 ( 1.6) |
85.9 ( 1.8) |
3.8 ( 1.0) |
| |
|
|
|
| Was a victim of identity theft |
39.5 ( 4.3) |
56.6 ( 4.3) |
3.9 ( 1.7) |
| Was not a victim of identity theft |
32.1 ( 1.4) |
64.7 ( 1.5) |
3.3 ( 0.5) |
| |
|
|
|
| Obtained credit report due to an adverse action |
38.4 ( 5.0) |
57.1 ( 5.1) |
4.5 ( 1.8) |
| Did not obtain credit report due to an adverse action |
32.3 ( 1.4) |
64.5 ( 1.5) |
3.2 ( 0.5) |