| All respondents |
37.9 ( 1.4) |
7.9 ( 0.7) |
53.7 ( 1.5) |
0.5 ( 0.2) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
35.0 ( 4.8) |
6.2 ( 2.1) |
58.0 ( 5.0) |
0.8 ( 0.6) |
| 25 to 34 |
40.0 ( 3.5) |
7.5 ( 1.7) |
52.5 ( 3.6) |
0.0 ( 0.0) |
| 35 to 44 |
38.9 ( 3.3) |
7.8 ( 1.7) |
53.1 ( 3.4) |
0.2 ( 0.2) |
| 45 to 54 |
39.7 ( 3.2) |
4.7 ( 1.3) |
54.9 ( 3.3) |
0.8 ( 0.6) |
| 55 to 64 |
45.3 ( 3.7) |
10.0 ( 2.3) |
43.4 ( 3.7) |
1.3 ( 0.9) |
| 65 and older |
30.5 ( 3.0) |
10.8 ( 2.1) |
58.4 ( 3.2) |
0.3 ( 0.3) |
| INCOME |
|
|
|
|
| Less than $25000 |
34.6 ( 2.2) |
9.0 ( 1.4) |
56.0 ( 2.3) |
0.4 ( 0.2) |
| $25000 to $49999 |
39.7 ( 3.0) |
9.3 ( 1.7) |
50.6 ( 3.1) |
0.3 ( 0.2) |
| $50000 to $74999 |
39.6 ( 3.4) |
6.0 ( 1.4) |
53.8 ( 3.5) |
0.7 ( 0.5) |
| $75000+ |
41.2 ( 3.4) |
7.0 ( 1.6) |
51.1 ( 3.4) |
0.6 ( 0.5) |
| EDUCATION |
|
|
|
|
| Less than high school |
31.5 ( 3.5) |
11.9 ( 2.5) |
55.3 ( 3.7) |
1.2 ( 0.6) |
| High school |
36.3 ( 2.4) |
8.7 ( 1.4) |
54.5 ( 2.5) |
0.4 ( 0.3) |
| Some post-secondary education |
41.6 ( 2.8) |
8.2 ( 1.4) |
49.7 ( 2.9) |
0.5 ( 0.3) |
| BA or more |
38.1 ( 2.6) |
5.6 ( 1.2) |
56.1 ( 2.7) |
0.3 ( 0.3) |
| ETHNICITY |
|
|
|
|
| White |
38.0 ( 1.8) |
7.3 ( 0.9) |
54.3 ( 1.9) |
0.4 ( 0.2) |
| Black |
44.8 ( 3.0) |
10.9 ( 1.9) |
43.9 ( 3.0) |
0.4 ( 0.4) |
| Hispanic |
30.9 ( 2.9) |
7.3 ( 1.7) |
60.5 ( 3.1) |
1.3 ( 0.6) |
| Other |
39.2 ( 6.3) |
11.0 ( 4.1) |
49.8 ( 6.4) |
0.0 ( 0.0) |
| SEX |
|
|
|
|
| Male |
36.8 ( 2.2) |
7.6 ( 1.2) |
55.3 ( 2.3) |
0.3 ( 0.2) |
| Female |
39.1 ( 1.7) |
8.3 ( 0.9) |
51.9 ( 1.8) |
0.7 ( 0.3) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
40.3 ( 1.9) |
7.4 ( 1.0) |
52.0 ( 2.0) |
0.3 ( 0.2) |
| Student |
39.7 ( 8.2) |
3.6 ( 2.5) |
55.4 ( 8.4) |
1.3 ( 1.3) |
| Not employed (homemaker, retired, unemployed) |
34.5 ( 2.2) |
9.9 ( 1.4) |
55.0 ( 2.3) |
0.5 ( 0.3) |
| Other |
27.0 ( 5.3) |
5.7 ( 2.6) |
65.4 ( 5.8) |
1.8 ( 1.8) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
44.1 ( 3.1) |
6.2 ( 1.4) |
49.1 ( 3.1) |
0.6 ( 0.4) |
| Resident of another state |
37.0 ( 1.6) |
8.2 ( 0.8) |
54.3 ( 1.6) |
0.5 ( 0.2) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
41.6 ( 1.9) |
8.1 ( 1.0) |
49.8 ( 1.9) |
0.5 ( 0.2) |
| Did not obtain a credit report |
32.8 ( 2.1) |
7.7 ( 1.1) |
58.9 ( 2.2) |
0.5 ( 0.3) |
| |
|
|
|
|
| Obtained credit score |
42.0 ( 2.5) |
7.4 ( 1.2) |
50.5 ( 2.5) |
0.1 ( 0.1) |
| Did not obtain credit score |
35.9 ( 1.7) |
8.2 ( 0.9) |
55.2 ( 1.8) |
0.7 ( 0.2) |
| |
|
|
|
|
| Disputed information on credit report |
34.9 ( 3.1) |
11.2 ( 2.2) |
53.7 ( 3.3) |
0.2 ( 0.2) |
| Did not dispute credit report information |
38.6 ( 1.6) |
7.2 ( 0.8) |
53.7 ( 1.6) |
0.5 ( 0.2) |
| |
|
|
|
|
| Had an auto or mortgage loan |
40.1 ( 1.6) |
8.0 ( 0.9) |
51.4 ( 1.7) |
0.5 ( 0.2) |
| Did not have an auto or mortgage loan |
30.4 ( 2.7) |
7.8 ( 1.4) |
61.2 ( 2.8) |
0.6 ( 0.3) |
| |
|
|
|
|
| Was a victim of identity theft |
46.0 ( 4.4) |
9.0 ( 2.3) |
44.9 ( 4.3) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
37.0 ( 1.5) |
7.8 ( 0.8) |
54.6 ( 1.5) |
0.5 ( 0.2) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
44.2 ( 5.1) |
7.5 ( 3.0) |
48.3 ( 5.2) |
0.0 ( 0.0) |
| Did not obtain credit report due to an adverse action |
37.3 ( 1.5) |
8.0 ( 0.8) |
54.2 ( 1.5) |
0.5 ( 0.2) |