| All respondents |
71.6 ( 1.3) |
27.0 ( 1.3) |
0.3 ( 0.1) |
1.1 ( 0.3) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
28.0 ( 4.8) |
71.6 ( 4.8) |
0.4 ( 0.4) |
0.0 ( 0.0) |
| 25 to 34 |
68.7 ( 3.0) |
31.1 ( 3.0) |
0.0 ( 0.0) |
0.2 ( 0.2) |
| 35 to 44 |
82.9 ( 2.2) |
17.1 ( 2.2) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| 45 to 54 |
83.0 ( 2.2) |
16.2 ( 2.2) |
0.0 ( 0.0) |
0.7 ( 0.6) |
| 55 to 64 |
86.1 ( 2.2) |
13.9 ( 2.2) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| 65 and older |
73.3 ( 2.8) |
25.8 ( 2.7) |
0.2 ( 0.2) |
0.7 ( 0.4) |
| INCOME |
|
|
|
|
| Less than $25000 |
50.3 ( 2.3) |
47.9 ( 2.3) |
0.4 ( 0.3) |
1.3 ( 0.5) |
| $25000 to $49999 |
71.5 ( 2.9) |
28.1 ( 2.9) |
0.0 ( 0.0) |
0.4 ( 0.4) |
| $50000 to $74999 |
83.6 ( 2.8) |
16.4 ( 2.8) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| $75000+ |
90.0 ( 1.9) |
10.0 ( 1.9) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| EDUCATION |
|
|
|
|
| Less than high school |
39.6 ( 3.6) |
57.2 ( 3.7) |
1.3 ( 0.8) |
1.9 ( 0.9) |
| High school |
68.1 ( 2.3) |
30.6 ( 2.3) |
0.7 ( 0.4) |
0.7 ( 0.3) |
| Some post-secondary education |
74.9 ( 2.6) |
23.9 ( 2.6) |
0.0 ( 0.0) |
1.2 ( 0.5) |
| BA or more |
83.2 ( 2.0) |
16.0 ( 2.0) |
0.0 ( 0.0) |
0.8 ( 0.5) |
| ETHNICITY |
|
|
|
|
| White |
80.2 ( 1.5) |
19.2 ( 1.5) |
0.1 ( 0.1) |
0.5 ( 0.3) |
| Black |
61.7 ( 3.0) |
37.8 ( 3.0) |
0.0 ( 0.0) |
0.6 ( 0.4) |
| Hispanic |
45.0 ( 3.1) |
52.2 ( 3.1) |
0.8 ( 0.5) |
1.9 ( 0.8) |
| Other |
52.3 ( 6.4) |
37.3 ( 6.3) |
2.9 ( 2.0) |
7.5 ( 3.1) |
| SEX |
|
|
|
|
| Male |
77.1 ( 2.0) |
22.1 ( 2.0) |
0.2 ( 0.2) |
0.6 ( 0.3) |
| Female |
66.8 ( 1.6) |
31.6 ( 1.6) |
0.4 ( 0.2) |
1.2 ( 0.4) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
76.9 ( 1.6) |
22.4 ( 1.6) |
0.1 ( 0.1) |
0.6 ( 0.3) |
| Student |
40.5 ( 8.2) |
57.8 ( 8.3) |
0.0 ( 0.0) |
1.7 ( 1.7) |
| Not employed (homemaker, retired, unemployed) |
67.7 ( 2.2) |
30.9 ( 2.1) |
0.8 ( 0.4) |
0.6 ( 0.3) |
| Other |
55.6 ( 6.5) |
36.1 ( 6.5) |
0.0 ( 0.0) |
8.3 ( 3.6) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
73.1 ( 2.9) |
26.5 ( 2.9) |
0.0 ( 0.0) |
0.4 ( 0.3) |
| Resident of another state |
71.4 ( 1.4) |
27.0 ( 1.4) |
0.4 ( 0.2) |
1.2 ( 0.3) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
83.1 ( 1.4) |
16.0 ( 1.4) |
0.1 ( 0.1) |
0.8 ( 0.3) |
| Did not obtain a credit report |
55.9 ( 2.2) |
42.0 ( 2.2) |
0.6 ( 0.3) |
1.4 ( 0.5) |
| |
|
|
|
|
| Obtained credit score |
86.7 ( 1.6) |
12.8 ( 1.6) |
0.0 ( 0.0) |
0.5 ( 0.2) |
| Did not obtain credit score |
64.3 ( 1.7) |
33.9 ( 1.7) |
0.5 ( 0.2) |
1.4 ( 0.4) |
| |
|
|
|
|
| Disputed information on credit report |
86.1 ( 2.2) |
13.3 ( 2.1) |
0.0 ( 0.0) |
0.6 ( 0.4) |
| Did not dispute credit report information |
68.4 ( 1.5) |
30.0 ( 1.5) |
0.4 ( 0.2) |
1.2 ( 0.3) |
| |
|
|
|
|
| Had an auto or mortgage loan |
93.0 ( 0.8) |
6.9 ( 0.8) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| Did not have an auto or mortgage loan |
0.0 ( 0.0) |
94.0 ( 1.3) |
1.5 ( 0.6) |
4.5 ( 1.2) |
| |
|
|
|
|
| Was a victim of identity theft |
81.4 ( 3.2) |
18.6 ( 3.2) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
70.5 ( 1.4) |
27.9 ( 1.4) |
0.4 ( 0.2) |
1.2 ( 0.3) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
71.4 ( 4.9) |
28.0 ( 4.9) |
0.0 ( 0.0) |
0.6 ( 0.6) |
| Did not obtain credit report due to an adverse action |
71.6 ( 1.3) |
26.9 ( 1.3) |
0.4 ( 0.2) |
1.1 ( 0.3) |