| All respondents |
47.1 ( 1.5) |
3.9 ( 0.5) |
48.6 ( 1.5) |
0.5 ( 0.2) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
37.7 ( 4.9) |
5.1 ( 2.0) |
55.4 ( 5.0) |
1.8 ( 1.1) |
| 25 to 34 |
39.6 ( 3.4) |
3.7 ( 1.5) |
56.6 ( 3.5) |
0.0 ( 0.0) |
| 35 to 44 |
51.3 ( 3.4) |
2.8 ( 0.9) |
45.8 ( 3.5) |
0.0 ( 0.0) |
| 45 to 54 |
44.9 ( 3.3) |
2.5 ( 1.0) |
52.4 ( 3.3) |
0.3 ( 0.3) |
| 55 to 64 |
55.4 ( 3.7) |
4.7 ( 1.6) |
37.8 ( 3.6) |
2.1 ( 1.1) |
| 65 and older |
53.4 ( 3.2) |
3.8 ( 1.3) |
42.8 ( 3.2) |
0.0 ( 0.0) |
| INCOME |
|
|
|
|
| Less than $25000 |
43.9 ( 2.3) |
5.1 ( 1.1) |
50.6 ( 2.3) |
0.4 ( 0.2) |
| $25000 to $49999 |
45.0 ( 3.1) |
3.8 ( 1.1) |
50.1 ( 3.1) |
1.0 ( 0.6) |
| $50000 to $74999 |
49.8 ( 3.6) |
2.7 ( 1.1) |
47.5 ( 3.6) |
0.0 ( 0.0) |
| $75000+ |
52.6 ( 3.4) |
3.1 ( 1.2) |
43.7 ( 3.4) |
0.6 ( 0.5) |
| EDUCATION |
|
|
|
|
| Less than high school |
39.2 ( 3.7) |
6.5 ( 1.8) |
53.5 ( 3.7) |
0.9 ( 0.5) |
| High school |
47.2 ( 2.5) |
4.1 ( 0.9) |
48.0 ( 2.6) |
0.7 ( 0.4) |
| Some post-secondary education |
46.0 ( 2.8) |
4.1 ( 1.1) |
49.2 ( 2.9) |
0.8 ( 0.5) |
| BA or more |
50.4 ( 2.8) |
2.6 ( 0.9) |
47.0 ( 2.8) |
0.0 ( 0.0) |
| ETHNICITY |
|
|
|
|
| White |
47.2 ( 1.9) |
3.6 ( 0.7) |
48.9 ( 1.9) |
0.3 ( 0.2) |
| Black |
56.0 ( 3.0) |
2.4 ( 0.8) |
40.3 ( 3.0) |
1.4 ( 1.0) |
| Hispanic |
34.6 ( 3.1) |
6.1 ( 1.5) |
58.3 ( 3.1) |
1.0 ( 0.5) |
| Other |
57.4 ( 6.4) |
4.6 ( 2.2) |
37.9 ( 6.3) |
0.0 ( 0.0) |
| SEX |
|
|
|
|
| Male |
45.0 ( 2.3) |
3.7 ( 0.9) |
51.0 ( 2.3) |
0.4 ( 0.3) |
| Female |
49.0 ( 1.8) |
4.1 ( 0.7) |
46.3 ( 1.8) |
0.6 ( 0.2) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
47.0 ( 2.0) |
2.8 ( 0.7) |
49.8 ( 2.0) |
0.4 ( 0.2) |
| Student |
38.3 ( 8.1) |
4.7 ( 2.7) |
52.4 ( 8.4) |
4.6 ( 3.4) |
| Not employed (homemaker, retired, unemployed) |
47.9 ( 2.3) |
6.0 ( 1.1) |
45.7 ( 2.3) |
0.4 ( 0.2) |
| Other |
48.1 ( 6.4) |
2.3 ( 1.6) |
49.6 ( 6.4) |
0.0 ( 0.0) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
54.3 ( 3.1) |
4.1 ( 1.2) |
41.4 ( 3.1) |
0.2 ( 0.2) |
| Resident of another state |
46.0 ( 1.6) |
3.8 ( 0.6) |
49.6 ( 1.6) |
0.6 ( 0.2) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
53.4 ( 1.9) |
3.4 ( 0.7) |
42.9 ( 1.9) |
0.3 ( 0.2) |
| Did not obtain a credit report |
38.3 ( 2.2) |
4.5 ( 0.9) |
56.4 ( 2.2) |
0.8 ( 0.3) |
| |
|
|
|
|
| Obtained credit score |
53.3 ( 2.5) |
4.3 ( 1.1) |
42.4 ( 2.5) |
0.0 ( 0.0) |
| Did not obtain credit score |
44.0 ( 1.8) |
3.6 ( 0.6) |
51.6 ( 1.8) |
0.8 ( 0.3) |
| |
|
|
|
|
| Disputed information on credit report |
54.7 ( 3.4) |
3.2 ( 1.3) |
42.0 ( 3.3) |
0.0 ( 0.0) |
| Did not dispute credit report information |
45.4 ( 1.6) |
4.0 ( 0.6) |
50.0 ( 1.6) |
0.6 ( 0.2) |
| |
|
|
|
|
| Had an auto or mortgage loan |
50.3 ( 1.7) |
3.7 ( 0.6) |
45.5 ( 1.7) |
0.5 ( 0.2) |
| Did not have an auto or mortgage loan |
36.2 ( 2.8) |
4.5 ( 1.1) |
58.9 ( 2.9) |
0.4 ( 0.3) |
| |
|
|
|
|
| Was a victim of identity theft |
61.8 ( 4.2) |
2.1 ( 1.1) |
36.1 ( 4.2) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
45.4 ( 1.5) |
4.1 ( 0.6) |
49.9 ( 1.5) |
0.6 ( 0.2) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
50.8 ( 5.2) |
2.2 ( 1.0) |
47.0 ( 5.3) |
0.0 ( 0.0) |
| Did not obtain credit report due to an adverse action |
46.7 ( 1.5) |
4.0 ( 0.6) |
48.7 ( 1.5) |
0.6 ( 0.2) |