| All respondents |
32.3 ( 1.4) |
65.8 ( 1.4) |
0.7 ( 0.2) |
1.2 ( 0.3) |
| AGE GROUP |
|
|
|
|
| 18 to 24 |
10.7 ( 3.4) |
88.4 ( 3.5) |
0.8 ( 0.6) |
0.0 ( 0.0) |
| 25 to 34 |
23.6 ( 3.2) |
75.7 ( 3.3) |
0.5 ( 0.5) |
0.2 ( 0.2) |
| 35 to 44 |
31.9 ( 3.3) |
68.1 ( 3.3) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| 45 to 54 |
35.4 ( 3.2) |
63.6 ( 3.2) |
0.2 ( 0.2) |
0.7 ( 0.6) |
| 55 to 64 |
49.0 ( 3.7) |
51.0 ( 3.7) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| 65 and older |
46.5 ( 3.3) |
51.3 ( 3.3) |
1.5 ( 0.8) |
0.7 ( 0.4) |
| INCOME |
|
|
|
|
| Less than $25000 |
15.5 ( 1.6) |
82.7 ( 1.7) |
0.7 ( 0.3) |
1.1 ( 0.4) |
| $25000 to $49999 |
30.6 ( 2.9) |
68.5 ( 2.9) |
0.5 ( 0.4) |
0.4 ( 0.4) |
| $50000 to $74999 |
37.1 ( 3.4) |
62.9 ( 3.4) |
0.0 ( 0.0) |
0.0 ( 0.0) |
| $75000+ |
49.4 ( 3.4) |
50.2 ( 3.4) |
0.4 ( 0.3) |
0.0 ( 0.0) |
| EDUCATION |
|
|
|
|
| Less than high school |
7.2 ( 1.9) |
88.5 ( 2.3) |
2.2 ( 1.0) |
2.0 ( 1.0) |
| High school |
21.5 ( 2.1) |
77.1 ( 2.1) |
0.7 ( 0.4) |
0.8 ( 0.4) |
| Some post-secondary education |
35.0 ( 2.7) |
62.9 ( 2.8) |
0.5 ( 0.4) |
1.5 ( 0.6) |
| BA or more |
49.0 ( 2.8) |
49.7 ( 2.8) |
0.4 ( 0.3) |
0.9 ( 0.5) |
| ETHNICITY |
|
|
|
|
| White |
39.8 ( 1.8) |
59.0 ( 1.9) |
0.4 ( 0.2) |
0.8 ( 0.3) |
| Black |
20.6 ( 2.4) |
77.9 ( 2.4) |
0.6 ( 0.5) |
0.9 ( 0.5) |
| Hispanic |
9.1 ( 1.6) |
88.2 ( 1.8) |
1.3 ( 0.7) |
1.4 ( 0.7) |
| Other |
22.0 ( 5.4) |
67.1 ( 6.0) |
2.9 ( 2.0) |
8.0 ( 3.1) |
| SEX |
|
|
|
|
| Male |
35.2 ( 2.2) |
64.1 ( 2.2) |
0.3 ( 0.2) |
0.4 ( 0.2) |
| Female |
29.7 ( 1.7) |
67.7 ( 1.7) |
1.0 ( 0.3) |
1.6 ( 0.4) |
| EMPLOYMENT STATUS |
|
|
|
|
| Actively employed (FT or PT) |
30.6 ( 1.8) |
68.4 ( 1.8) |
0.3 ( 0.2) |
0.7 ( 0.3) |
| Student |
20.1 ( 6.7) |
75.5 ( 7.0) |
4.4 ( 2.5) |
0.0 ( 0.0) |
| Not employed (homemaker, retired, unemployed) |
39.1 ( 2.4) |
58.9 ( 2.4) |
1.1 ( 0.5) |
0.9 ( 0.4) |
| Other |
19.1 ( 4.8) |
70.9 ( 5.7) |
0.0 ( 0.0) |
10.0 ( 3.9) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
36.8 ( 2.9) |
61.8 ( 3.0) |
0.7 ( 0.4) |
0.7 ( 0.4) |
| Resident of another state |
31.6 ( 1.5) |
66.4 ( 1.5) |
0.7 ( 0.2) |
1.3 ( 0.3) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
| Obtained a credit report |
39.7 ( 1.9) |
58.9 ( 1.9) |
0.3 ( 0.2) |
1.0 ( 0.4) |
| Did not obtain a credit report |
22.1 ( 1.8) |
75.2 ( 1.9) |
1.2 ( 0.4) |
1.5 ( 0.5) |
| |
|
|
|
|
| Obtained credit score |
40.5 ( 2.5) |
58.6 ( 2.5) |
0.1 ( 0.1) |
0.8 ( 0.4) |
| Did not obtain credit score |
28.2 ( 1.6) |
69.3 ( 1.7) |
1.0 ( 0.3) |
1.4 ( 0.4) |
| |
|
|
|
|
| Disputed information on credit report |
45.2 ( 3.3) |
54.1 ( 3.3) |
0.0 ( 0.0) |
0.8 ( 0.4) |
| Did not dispute credit report information |
29.4 ( 1.5) |
68.4 ( 1.5) |
0.9 ( 0.3) |
1.3 ( 0.3) |
| |
|
|
|
|
| Had an auto or mortgage loan |
38.7 ( 1.6) |
60.6 ( 1.6) |
0.4 ( 0.2) |
0.3 ( 0.2) |
| Did not have an auto or mortgage loan |
10.8 ( 2.1) |
83.3 ( 2.3) |
1.6 ( 0.6) |
4.3 ( 1.1) |
| |
|
|
|
|
| Was a victim of identity theft |
37.6 ( 4.2) |
61.5 ( 4.2) |
0.8 ( 0.8) |
0.0 ( 0.0) |
| Was not a victim of identity theft |
31.7 ( 1.5) |
66.3 ( 1.5) |
0.7 ( 0.2) |
1.4 ( 0.3) |
| |
|
|
|
|
| Obtained credit report due to an adverse action |
25.2 ( 4.9) |
73.4 ( 4.9) |
0.5 ( 0.5) |
0.9 ( 0.7) |
| Did not obtain credit report due to an adverse action |
32.9 ( 1.4) |
65.1 ( 1.5) |
0.7 ( 0.2) |
1.3 ( 0.3) |