| All respondents |
9.0 ( 0.8) |
33.0 ( 1.4) |
57.4 ( 1.4) |
0.6 ( 0.2) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
7.5 ( 2.5) |
28.3 ( 4.4) |
63.0 ( 4.8) |
1.2 ( 0.7) |
| 25 to 34 |
7.1 ( 1.8) |
33.4 ( 3.4) |
59.5 ( 3.5) |
0.0 ( 0.0) |
| 35 to 44 |
8.0 ( 1.8) |
32.9 ( 3.2) |
58.7 ( 3.4) |
0.4 ( 0.3) |
| 45 to 54 |
9.2 ( 1.9) |
36.9 ( 3.2) |
53.4 ( 3.3) |
0.5 ( 0.4) |
| 55 to 64 |
6.6 ( 1.5) |
39.8 ( 3.7) |
51.8 ( 3.7) |
1.8 ( 1.1) |
| 65 and older |
13.1 ( 2.2) |
30.1 ( 3.1) |
56.3 ( 3.3) |
0.5 ( 0.4) |
| INCOME |
|
|
|
|
| Less than $25000 |
11.7 ( 1.5) |
23.4 ( 2.0) |
63.8 ( 2.2) |
1.0 ( 0.4) |
| $25000 to $49999 |
10.5 ( 1.9) |
33.7 ( 2.9) |
55.2 ( 3.1) |
0.7 ( 0.4) |
| $50000 to $74999 |
6.0 ( 1.5) |
36.4 ( 3.4) |
57.4 ( 3.5) |
0.2 ( 0.2) |
| $75000+ |
4.8 ( 1.5) |
44.5 ( 3.4) |
50.1 ( 3.4) |
0.6 ( 0.5) |
| EDUCATION |
|
|
|
|
| Less than high school |
16.8 ( 3.0) |
16.2 ( 2.7) |
65.6 ( 3.6) |
1.4 ( 0.7) |
| High school |
11.3 ( 1.6) |
29.0 ( 2.3) |
58.7 ( 2.5) |
1.0 ( 0.5) |
| Some post-secondary education |
7.7 ( 1.5) |
32.3 ( 2.6) |
59.3 ( 2.8) |
0.7 ( 0.3) |
| BA or more |
5.1 ( 1.1) |
43.1 ( 2.7) |
51.8 ( 2.8) |
0.0 ( 0.0) |
| ETHNICITY |
|
|
|
|
| White |
7.5 ( 1.0) |
35.5 ( 1.8) |
56.4 ( 1.9) |
0.6 ( 0.2) |
| Black |
15.5 ( 2.2) |
28.8 ( 2.8) |
54.9 ( 3.0) |
0.8 ( 0.6) |
| Hispanic |
7.7 ( 1.8) |
21.7 ( 2.6) |
69.5 ( 2.9) |
1.1 ( 0.5) |
| Other |
16.4 ( 4.7) |
39.6 ( 6.3) |
44.0 ( 6.3) |
0.0 ( 0.0) |
| SEX |
|
|
|
|
| Male |
9.7 ( 1.4) |
35.6 ( 2.2) |
54.4 ( 2.3) |
0.3 ( 0.2) |
| Female |
8.3 ( 0.9) |
30.7 ( 1.7) |
60.0 ( 1.8) |
1.0 ( 0.3) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
7.5 ( 1.0) |
37.6 ( 1.9) |
54.3 ( 2.0) |
0.5 ( 0.2) |
| Student |
5.7 ( 2.9) |
26.8 ( 7.4) |
66.1 ( 7.8) |
1.3 ( 1.3) |
| Not employed (homemaker, retired, unemployed) |
11.7 ( 1.5) |
27.0 ( 2.1) |
60.4 ( 2.3) |
0.8 ( 0.3) |
| Other |
11.4 ( 3.4) |
17.7 ( 4.4) |
71.0 ( 5.3) |
0.0 ( 0.0) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
8.6 ( 1.7) |
39.4 ( 3.1) |
51.4 ( 3.1) |
0.6 ( 0.4) |
| Resident of another state |
9.0 ( 0.9) |
32.0 ( 1.5) |
58.3 ( 1.6) |
0.6 ( 0.2) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
8.0 ( 1.0) |
38.1 ( 1.9) |
53.5 ( 1.9) |
0.4 ( 0.2) |
| Did not obtain a credit report |
10.2 ( 1.3) |
26.0 ( 2.0) |
62.8 ( 2.2) |
1.0 ( 0.4) |
| |
|
|
|
|
| Obtained credit score |
6.3 ( 1.2) |
43.2 ( 2.5) |
50.4 ( 2.5) |
0.1 ( 0.1) |
| Did not obtain credit score |
10.3 ( 1.0) |
28.0 ( 1.6) |
60.9 ( 1.7) |
0.9 ( 0.3) |
| |
|
|
|
|
| Disputed information on credit report |
8.1 ( 1.6) |
36.8 ( 3.2) |
54.9 ( 3.3) |
0.2 ( 0.2) |
| Did not dispute credit report information |
9.1 ( 0.9) |
32.2 ( 1.5) |
58.0 ( 1.6) |
0.7 ( 0.2) |
| |
|
|
|
|
| Had an auto or mortgage loan |
8.7 ( 0.9) |
35.9 ( 1.6) |
54.9 ( 1.7) |
0.5 ( 0.2) |
| Did not have an auto or mortgage loan |
9.7 ( 1.7) |
23.2 ( 2.5) |
65.8 ( 2.8) |
1.2 ( 0.5) |
| |
|
|
|
|
| Was a victim of identity theft |
8.7 ( 2.5) |
35.8 ( 4.2) |
55.5 ( 4.4) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
9.0 ( 0.9) |
32.7 ( 1.5) |
57.6 ( 1.5) |
0.7 ( 0.2) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
13.1 ( 2.9) |
30.1 ( 4.7) |
56.7 ( 5.1) |
0.0 ( 0.0) |
| Did not obtain credit report due to an adverse action |
8.6 ( 0.8) |
33.2 ( 1.4) |
57.5 ( 1.5) |
0.7 ( 0.2) |