| All respondents |
61.2 ( 1.4) |
37.4 ( 1.4) |
0.4 ( 0.2) |
1.0 ( 0.3) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
5.7 ( 2.2) |
94.3 ( 2.2) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| 25 to 34 |
47.9 ( 3.6) |
51.9 ( 3.6) |
0.0 ( 0.0) |
0.2 ( 0.2) |
| 35 to 44 |
73.2 ( 2.8) |
26.8 ( 2.8) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| 45 to 54 |
77.7 ( 2.5) |
21.7 ( 2.4) |
0.0 ( 0.0) |
0.5 ( 0.5) |
| 55 to 64 |
79.6 ( 2.7) |
20.4 ( 2.7) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| 65 and older |
74.6 ( 2.6) |
24.0 ( 2.6) |
0.7 ( 0.5) |
0.7 ( 0.4) |
| INCOME |
|
|
|
|
| Less than $25000 |
36.8 ( 2.2) |
61.3 ( 2.2) |
0.5 ( 0.3) |
1.3 ( 0.5) |
| $25000 to $49999 |
54.3 ( 3.1) |
45.4 ( 3.1) |
0.0 ( 0.0) |
0.4 ( 0.4) |
| $50000 to $74999 |
73.3 ( 3.2) |
26.7 ( 3.2) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| $75000+ |
87.0 ( 2.6) |
13.0 ( 2.6) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| EDUCATION |
|
|
|
|
| Less than high school |
28.3 ( 3.2) |
67.8 ( 3.4) |
2.0 ( 1.0) |
1.9 ( 0.9) |
| High school |
56.0 ( 2.5) |
42.8 ( 2.5) |
0.5 ( 0.4) |
0.7 ( 0.3) |
| Some post-secondary education |
62.6 ( 2.8) |
36.3 ( 2.8) |
0.0 ( 0.0) |
1.1 ( 0.5) |
| BA or more |
76.5 ( 2.4) |
22.7 ( 2.4) |
0.0 ( 0.0) |
0.8 ( 0.5) |
| ETHNICITY |
|
|
|
|
| White |
73.2 ( 1.7) |
26.1 ( 1.7) |
0.2 ( 0.2) |
0.5 ( 0.3) |
| Black |
41.7 ( 2.9) |
57.7 ( 3.0) |
0.0 ( 0.0) |
0.6 ( 0.4) |
| Hispanic |
27.9 ( 2.6) |
69.7 ( 2.7) |
0.5 ( 0.3) |
1.9 ( 0.8) |
| Other |
37.2 ( 6.0) |
52.5 ( 6.3) |
2.9 ( 2.0) |
7.5 ( 3.1) |
| SEX |
|
|
|
|
| Male |
62.7 ( 2.3) |
36.5 ( 2.3) |
0.2 ( 0.2) |
0.6 ( 0.3) |
| Female |
60.1 ( 1.7) |
38.4 ( 1.7) |
0.4 ( 0.2) |
1.1 ( 0.4) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
63.6 ( 1.9) |
35.7 ( 1.9) |
0.1 ( 0.1) |
0.6 ( 0.3) |
| Student |
17.0 ( 5.7) |
81.3 ( 5.9) |
0.0 ( 0.0) |
1.7 ( 1.7) |
| Not employed (homemaker, retired, unemployed) |
63.4 ( 2.2) |
35.2 ( 2.2) |
0.9 ( 0.4) |
0.6 ( 0.3) |
| Other |
51.7 ( 6.5) |
39.9 ( 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) |
66.0 ( 3.1) |
33.8 ( 3.1) |
0.0 ( 0.0) |
0.2 ( 0.2) |
| Resident of another state |
60.5 ( 1.6) |
37.9 ( 1.6) |
0.4 ( 0.2) |
1.2 ( 0.3) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
73.6 ( 1.7) |
25.5 ( 1.7) |
0.1 ( 0.1) |
0.8 ( 0.3) |
| Did not obtain a credit report |
44.3 ( 2.2) |
53.6 ( 2.2) |
0.7 ( 0.3) |
1.4 ( 0.5) |
| |
|
|
|
|
| Obtained credit score |
78.1 ( 2.0) |
21.4 ( 2.0) |
0.0 ( 0.0) |
0.5 ( 0.2) |
| Did not obtain credit score |
53.0 ( 1.8) |
45.2 ( 1.8) |
0.5 ( 0.2) |
1.3 ( 0.4) |
| |
|
|
|
|
| Disputed information on credit report |
75.3 ( 2.9) |
24.1 ( 2.9) |
0.0 ( 0.0) |
0.6 ( 0.4) |
| Did not dispute credit report information |
58.1 ( 1.6) |
40.3 ( 1.6) |
0.4 ( 0.2) |
1.1 ( 0.3) |
| |
|
|
|
|
| Had an auto or mortgage loan |
79.5 ( 1.4) |
20.5 ( 1.4) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| Did not have an auto or mortgage loan |
0.0 ( 0.0) |
93.9 ( 1.3) |
1.6 ( 0.7) |
4.5 ( 1.2) |
| |
|
|
|
|
| Was a victim of identity theft |
64.4 ( 4.1) |
35.6 ( 4.1) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
60.9 ( 1.5) |
37.6 ( 1.5) |
0.4 ( 0.2) |
1.2 ( 0.3) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
49.6 ( 5.2) |
49.8 ( 5.2) |
0.0 ( 0.0) |
0.6 ( 0.6) |
| Did not obtain credit report due to an adverse action |
62.3 ( 1.5) |
36.3 ( 1.5) |
0.4 ( 0.2) |
1.1 ( 0.3) |