| All respondents |
42.8 ( 1.5) |
54.3 ( 1.5) |
1.7 ( 0.4) |
1.2 ( 0.3) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
6.8 ( 2.3) |
93.2 ( 2.3) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| 25 to 34 |
33.0 ( 3.5) |
65.1 ( 3.5) |
1.6 ( 0.8) |
0.2 ( 0.2) |
| 35 to 44 |
52.1 ( 3.4) |
46.4 ( 3.4) |
1.5 ( 1.0) |
0.0 ( 0.0) |
| 45 to 54 |
53.3 ( 3.2) |
44.2 ( 3.2) |
1.8 ( 0.8) |
0.7 ( 0.6) |
| 55 to 64 |
59.8 ( 3.6) |
37.7 ( 3.5) |
2.4 ( 1.3) |
0.0 ( 0.0) |
| 65 and older |
50.9 ( 3.2) |
46.7 ( 3.2) |
1.7 ( 0.7) |
0.7 ( 0.4) |
| INCOME |
|
|
|
|
| Less than $25000 |
18.5 ( 1.7) |
78.3 ( 1.8) |
1.9 ( 0.6) |
1.3 ( 0.5) |
| $25000 to $49999 |
36.7 ( 3.0) |
61.5 ( 3.0) |
1.4 ( 0.7) |
0.4 ( 0.4) |
| $50000 to $74999 |
54.2 ( 3.5) |
45.6 ( 3.5) |
0.2 ( 0.2) |
0.0 ( 0.0) |
| $75000+ |
69.3 ( 3.2) |
29.2 ( 3.2) |
1.4 ( 0.9) |
0.0 ( 0.0) |
| EDUCATION |
|
|
|
|
| Less than high school |
6.3 ( 1.9) |
88.0 ( 2.4) |
3.7 ( 1.3) |
1.9 ( 0.9) |
| High school |
29.0 ( 2.4) |
68.9 ( 2.4) |
1.3 ( 0.5) |
0.8 ( 0.4) |
| Some post-secondary education |
42.9 ( 2.8) |
53.6 ( 2.9) |
2.0 ( 0.7) |
1.5 ( 0.6) |
| BA or more |
69.0 ( 2.6) |
29.2 ( 2.5) |
1.0 ( 0.7) |
0.8 ( 0.5) |
| ETHNICITY |
|
|
|
|
| White |
53.7 ( 1.9) |
43.9 ( 1.9) |
1.6 ( 0.5) |
0.8 ( 0.3) |
| Black |
20.8 ( 2.4) |
78.0 ( 2.4) |
0.3 ( 0.3) |
0.9 ( 0.5) |
| Hispanic |
14.0 ( 2.0) |
82.2 ( 2.2) |
2.3 ( 0.8) |
1.4 ( 0.7) |
| Other |
27.9 ( 5.7) |
60.6 ( 6.2) |
4.1 ( 2.3) |
7.5 ( 3.1) |
| SEX |
|
|
|
|
| Male |
47.3 ( 2.3) |
50.7 ( 2.3) |
1.6 ( 0.5) |
0.4 ( 0.2) |
| Female |
38.9 ( 1.8) |
58.0 ( 1.8) |
1.6 ( 0.4) |
1.5 ( 0.4) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
45.6 ( 2.0) |
52.5 ( 2.0) |
1.3 ( 0.4) |
0.6 ( 0.3) |
| Student |
18.5 ( 6.3) |
79.8 ( 6.5) |
1.7 ( 1.7) |
0.0 ( 0.0) |
| Not employed (homemaker, retired, unemployed) |
41.3 ( 2.4) |
55.7 ( 2.4) |
2.1 ( 0.6) |
0.9 ( 0.3) |
| Other |
37.2 ( 6.2) |
48.8 ( 6.4) |
3.9 ( 2.3) |
10.0 ( 3.9) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
50.4 ( 3.1) |
48.5 ( 3.1) |
0.6 ( 0.5) |
0.4 ( 0.3) |
| Resident of another state |
41.7 ( 1.6) |
55.2 ( 1.6) |
1.8 ( 0.4) |
1.3 ( 0.3) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
53.0 ( 1.9) |
44.7 ( 1.9) |
1.3 ( 0.4) |
1.0 ( 0.3) |
| Did not obtain a credit report |
29.0 ( 2.1) |
67.4 ( 2.1) |
2.1 ( 0.6) |
1.5 ( 0.5) |
| |
|
|
|
|
| Obtained credit score |
56.5 ( 2.5) |
41.0 ( 2.5) |
1.8 ( 0.7) |
0.7 ( 0.4) |
| Did not obtain credit score |
36.2 ( 1.7) |
60.8 ( 1.8) |
1.6 ( 0.4) |
1.4 ( 0.4) |
| |
|
|
|
|
| Disputed information on credit report |
55.3 ( 3.3) |
40.9 ( 3.2) |
3.2 ( 1.3) |
0.6 ( 0.4) |
| Did not dispute credit report information |
40.1 ( 1.6) |
57.2 ( 1.6) |
1.3 ( 0.3) |
1.3 ( 0.3) |
| |
|
|
|
|
| Had an auto or mortgage loan |
52.2 ( 1.7) |
45.9 ( 1.7) |
1.6 ( 0.4) |
0.3 ( 0.1) |
| Did not have an auto or mortgage loan |
11.4 ( 1.8) |
82.5 ( 2.1) |
1.8 ( 0.7) |
4.3 ( 1.1) |
| |
|
|
|
|
| Was a victim of identity theft |
49.1 ( 4.4) |
49.2 ( 4.4) |
1.6 ( 1.0) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
42.1 ( 1.5) |
54.9 ( 1.5) |
1.7 ( 0.4) |
1.3 ( 0.3) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
31.3 ( 4.9) |
64.9 ( 5.0) |
3.2 ( 1.5) |
0.6 ( 0.6) |
| Did not obtain credit report due to an adverse action |
43.9 ( 1.5) |
53.4 ( 1.5) |
1.5 ( 0.4) |
1.2 ( 0.3) |