| All respondents |
2.6 ( 0.4) |
3.9 ( 0.5) |
82.0 ( 1.0) |
1.7 ( 0.3) |
9.8 ( 0.8) |
| AGE GROUP |
|
|
|
|
|
| 18 to 24 |
4.3 ( 1.7) |
6.6 ( 2.3) |
72.1 ( 4.4) |
3.0 ( 1.6) |
14.0 ( 3.4) |
| 25 to 34 |
2.1 ( 0.8) |
4.6 ( 1.4) |
85.1 ( 2.2) |
1.4 ( 0.6) |
6.7 ( 1.5) |
| 35 to 44 |
0.7 ( 0.4) |
4.8 ( 1.4) |
87.2 ( 2.0) |
1.3 ( 0.6) |
5.9 ( 1.4) |
| 45 to 54 |
3.3 ( 1.2) |
2.8 ( 0.9) |
87.3 ( 2.1) |
0.0 ( 0.0) |
6.6 ( 1.5) |
| 55 to 64 |
2.7 ( 1.2) |
1.0 ( 0.5) |
87.5 ( 2.2) |
1.3 ( 0.8) |
7.5 ( 1.7) |
| 65 and older |
3.5 ( 1.1) |
2.6 ( 1.0) |
74.3 ( 2.7) |
3.6 ( 1.2) |
16.0 ( 2.1) |
| INCOME |
|
|
|
|
|
| Less than $25000 |
4.3 ( 0.9) |
5.8 ( 1.1) |
66.5 ( 2.2) |
2.8 ( 0.8) |
20.6 ( 1.9) |
| $25000 to $49999 |
2.4 ( 0.8) |
5.2 ( 1.3) |
83.5 ( 2.1) |
2.2 ( 0.9) |
6.6 ( 1.3) |
| $50000 to $74999 |
3.2 ( 1.2) |
2.3 ( 1.3) |
91.5 ( 1.9) |
1.1 ( 0.6) |
1.9 ( 0.8) |
| $75000+ |
0.5 ( 0.5) |
1.1 ( 0.5) |
94.8 ( 1.4) |
0.0 ( 0.0) |
3.6 ( 1.3) |
| EDUCATION |
|
|
|
|
|
| Less than high school |
7.7 ( 1.9) |
8.7 ( 2.1) |
43.7 ( 3.7) |
2.5 ( 1.1) |
37.4 ( 3.6) |
| High school |
3.2 ( 0.8) |
7.8 ( 1.4) |
74.2 ( 2.2) |
3.4 ( 0.8) |
11.4 ( 1.6) |
| Some post-secondary education |
2.0 ( 0.8) |
1.2 ( 0.7) |
88.5 ( 1.7) |
1.1 ( 0.6) |
7.1 ( 1.3) |
| BA or more |
0.8 ( 0.5) |
0.8 ( 0.4) |
96.7 ( 0.9) |
0.2 ( 0.2) |
1.4 ( 0.5) |
| ETHNICITY |
|
|
|
|
|
| White |
1.6 ( 0.4) |
2.8 ( 0.6) |
88.1 ( 1.2) |
1.1 ( 0.4) |
6.3 ( 0.9) |
| Black |
4.7 ( 1.4) |
6.5 ( 1.6) |
71.8 ( 2.8) |
2.2 ( 0.9) |
14.7 ( 2.2) |
| Hispanic |
5.4 ( 1.4) |
6.2 ( 1.5) |
59.6 ( 3.1) |
3.8 ( 1.3) |
25.0 ( 2.7) |
| Other |
2.2 ( 1.7) |
5.6 ( 2.9) |
85.8 ( 4.1) |
2.2 ( 1.6) |
4.1 ( 2.1) |
| SEX |
|
|
|
|
|
| Male |
2.8 ( 0.7) |
4.0 ( 0.9) |
82.6 ( 1.7) |
1.5 ( 0.5) |
9.0 ( 1.3) |
| Female |
2.4 ( 0.5) |
3.8 ( 0.6) |
81.6 ( 1.3) |
1.9 ( 0.5) |
10.4 ( 0.9) |
| EMPLOYMENT STATUS |
|
|
|
|
|
| Actively employed (FT or PT) |
2.3 ( 0.5) |
3.9 ( 0.8) |
86.5 ( 1.3) |
1.1 ( 0.3) |
6.3 ( 0.9) |
| Student |
7.7 ( 4.5) |
2.7 ( 1.9) |
81.0 ( 5.8) |
1.6 ( 1.6) |
7.0 ( 3.2) |
| Not employed (homemaker, retired, unemployed) |
2.5 ( 0.7) |
4.4 ( 0.9) |
74.5 ( 1.9) |
2.7 ( 0.7) |
15.9 ( 1.5) |
| Other |
3.0 ( 1.5) |
2.0 ( 1.2) |
74.7 ( 6.0) |
2.7 ( 2.6) |
17.6 ( 5.6) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
2.4 ( 1.1) |
5.9 ( 1.7) |
82.5 ( 2.5) |
0.8 ( 0.5) |
8.5 ( 1.6) |
| Resident of another state |
2.6 ( 0.4) |
3.6 ( 0.6) |
81.9 ( 1.1) |
1.8 ( 0.4) |
10.0 ( 0.9) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
|
| Obtained a credit report |
1.8 ( 0.5) |
2.3 ( 0.6) |
91.6 ( 1.0) |
1.0 ( 0.4) |
3.3 ( 0.6) |
| Did not obtain a credit report |
3.7 ( 0.7) |
6.1 ( 1.0) |
68.8 ( 2.0) |
2.7 ( 0.6) |
18.7 ( 1.6) |
| |
|
|
|
|
|
| Obtained credit score |
0.9 ( 0.5) |
2.1 ( 0.7) |
93.1 ( 1.2) |
1.0 ( 0.4) |
2.9 ( 0.7) |
| Did not obtain credit score |
3.4 ( 0.6) |
4.8 ( 0.7) |
76.6 ( 1.4) |
2.0 ( 0.5) |
13.2 ( 1.1) |
| |
|
|
|
|
|
| Disputed information on credit report |
1.5 ( 0.9) |
1.9 ( 0.8) |
92.5 ( 1.6) |
1.0 ( 0.7) |
3.1 ( 0.9) |
| Did not dispute credit report information |
2.8 ( 0.5) |
4.3 ( 0.6) |
79.7 ( 1.2) |
1.8 ( 0.4) |
11.3 ( 0.9) |
| |
|
|
|
|
|
| Had an auto or mortgage loan |
1.8 ( 0.4) |
2.8 ( 0.6) |
88.4 ( 1.0) |
1.1 ( 0.3) |
5.9 ( 0.7) |
| Did not have an auto or mortgage loan |
5.3 ( 1.2) |
7.5 ( 1.4) |
60.6 ( 2.8) |
3.7 ( 1.1) |
22.9 ( 2.4) |
| |
|
|
|
|
|
| Was a victim of identity theft |
1.7 ( 1.2) |
4.0 ( 1.6) |
86.7 ( 2.8) |
0.0 ( 0.0) |
7.7 ( 2.1) |
| Was not a victim of identity theft |
2.7 ( 0.4) |
3.9 ( 0.6) |
81.5 ( 1.1) |
1.9 ( 0.4) |
10.1 ( 0.8) |
| |
|
|
|
|
|
| Obtained credit report due to an adverse action |
1.4 ( 0.8) |
2.6 ( 1.9) |
91.0 ( 2.8) |
1.6 ( 1.6) |
3.4 ( 1.3) |
| Did not obtain credit report due to an adverse action |
2.7 ( 0.4) |
4.0 ( 0.6) |
81.2 ( 1.1) |
1.7 ( 0.3) |
10.4 ( 0.8) |