| All respondents |
43.0 ( 1.5) |
54.9 ( 1.5) |
0.9 ( 0.2) |
1.3 ( 0.3) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
16.5 ( 4.2) |
83.5 ( 4.2) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| 25 to 34 |
36.8 ( 3.5) |
62.4 ( 3.5) |
0.5 ( 0.4) |
0.2 ( 0.2) |
| 35 to 44 |
49.2 ( 3.4) |
50.2 ( 3.4) |
0.2 ( 0.2) |
0.3 ( 0.3) |
| 45 to 54 |
50.2 ( 3.3) |
48.0 ( 3.3) |
1.1 ( 0.8) |
0.7 ( 0.6) |
| 55 to 64 |
55.7 ( 3.6) |
43.5 ( 3.6) |
0.8 ( 0.6) |
0.0 ( 0.0) |
| 65 and older |
51.6 ( 3.2) |
47.0 ( 3.2) |
0.7 ( 0.4) |
0.7 ( 0.4) |
| INCOME |
|
|
|
|
| Less than $25000 |
20.0 ( 1.8) |
77.7 ( 1.9) |
1.0 ( 0.4) |
1.3 ( 0.5) |
| $25000 to $49999 |
37.9 ( 3.1) |
60.9 ( 3.1) |
0.8 ( 0.5) |
0.4 ( 0.4) |
| $50000 to $74999 |
53.3 ( 3.5) |
45.8 ( 3.5) |
0.9 ( 0.7) |
0.0 ( 0.0) |
| $75000+ |
67.7 ( 3.3) |
32.2 ( 3.3) |
0.1 ( 0.1) |
0.0 ( 0.0) |
| EDUCATION |
|
|
|
|
| Less than high school |
6.9 ( 1.8) |
89.2 ( 2.2) |
1.9 ( 1.0) |
2.0 ( 1.0) |
| High school |
33.0 ( 2.5) |
64.8 ( 2.5) |
1.1 ( 0.5) |
1.0 ( 0.4) |
| Some post-secondary education |
46.2 ( 2.9) |
51.8 ( 2.9) |
0.5 ( 0.4) |
1.5 ( 0.6) |
| BA or more |
62.3 ( 2.7) |
36.3 ( 2.7) |
0.6 ( 0.3) |
0.9 ( 0.5) |
| ETHNICITY |
|
|
|
|
| White |
51.9 ( 1.9) |
46.7 ( 1.9) |
0.6 ( 0.3) |
0.8 ( 0.3) |
| Black |
24.9 ( 2.5) |
73.7 ( 2.6) |
0.0 ( 0.0) |
1.4 ( 0.7) |
| Hispanic |
19.5 ( 2.5) |
77.2 ( 2.6) |
1.9 ( 0.8) |
1.4 ( 0.7) |
| Other |
29.6 ( 5.8) |
58.3 ( 6.2) |
4.1 ( 2.3) |
8.0 ( 3.1) |
| SEX |
|
|
|
|
| Male |
47.9 ( 2.3) |
50.7 ( 2.4) |
0.8 ( 0.4) |
0.6 ( 0.3) |
| Female |
38.6 ( 1.8) |
59.0 ( 1.8) |
0.8 ( 0.3) |
1.6 ( 0.4) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
46.9 ( 2.0) |
51.9 ( 2.0) |
0.4 ( 0.2) |
0.8 ( 0.3) |
| Student |
19.9 ( 6.4) |
78.4 ( 6.6) |
1.7 ( 1.7) |
0.0 ( 0.0) |
| Not employed (homemaker, retired, unemployed) |
41.0 ( 2.4) |
56.6 ( 2.4) |
1.6 ( 0.6) |
0.9 ( 0.4) |
| Other |
25.2 ( 5.3) |
63.7 ( 6.1) |
1.0 ( 1.0) |
10.0 ( 3.9) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
50.5 ( 3.1) |
48.9 ( 3.1) |
0.0 ( 0.0) |
0.7 ( 0.4) |
| Resident of another state |
41.9 ( 1.6) |
55.7 ( 1.6) |
1.0 ( 0.3) |
1.4 ( 0.3) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
51.9 ( 1.9) |
46.5 ( 1.9) |
0.5 ( 0.2) |
1.1 ( 0.4) |
| Did not obtain a credit report |
30.7 ( 2.1) |
66.3 ( 2.2) |
1.4 ( 0.5) |
1.5 ( 0.5) |
| |
|
|
|
|
| Obtained credit score |
54.1 ( 2.5) |
43.8 ( 2.5) |
1.2 ( 0.5) |
1.0 ( 0.4) |
| Did not obtain credit score |
37.6 ( 1.8) |
60.3 ( 1.8) |
0.7 ( 0.3) |
1.4 ( 0.4) |
| |
|
|
|
|
| Disputed information on credit report |
54.9 ( 3.3) |
43.8 ( 3.3) |
0.5 ( 0.4) |
0.8 ( 0.4) |
| Did not dispute credit report information |
40.4 ( 1.6) |
57.3 ( 1.6) |
0.9 ( 0.3) |
1.4 ( 0.3) |
| |
|
|
|
|
| Had an auto or mortgage loan |
51.1 ( 1.7) |
47.8 ( 1.7) |
0.7 ( 0.3) |
0.4 ( 0.2) |
| Did not have an auto or mortgage loan |
15.7 ( 2.6) |
78.7 ( 2.7) |
1.3 ( 0.6) |
4.3 ( 1.1) |
| |
|
|
|
|
| Was a victim of identity theft |
47.0 ( 4.4) |
53.0 ( 4.4) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
42.5 ( 1.5) |
55.1 ( 1.5) |
1.0 ( 0.3) |
1.4 ( 0.3) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
40.2 ( 5.4) |
57.0 ( 5.3) |
1.9 ( 1.1) |
0.9 ( 0.7) |
| Did not obtain credit report due to an adverse action |
43.2 ( 1.5) |
54.7 ( 1.5) |
0.8 ( 0.2) |
1.3 ( 0.3) |