| All respondents |
13.5 ( 0.9) |
63.0 ( 1.4) |
23.5 ( 1.3) |
| AGE GROUP |
|
|
|
| 18 to 24 |
26.6 ( 4.5) |
60.4 ( 5.0) |
13.0 ( 3.3) |
| 25 to 34 |
10.4 ( 1.8) |
59.2 ( 3.5) |
30.4 ( 3.4) |
| 35 to 44 |
9.3 ( 1.8) |
65.4 ( 3.2) |
25.3 ( 3.0) |
| 45 to 54 |
11.5 ( 1.9) |
64.0 ( 3.1) |
24.5 ( 2.8) |
| 55 to 64 |
9.8 ( 2.1) |
62.9 ( 3.6) |
27.3 ( 3.4) |
| 65 and older |
16.3 ( 2.2) |
65.4 ( 3.1) |
18.3 ( 2.6) |
| INCOME |
|
|
|
| Less than $25000 |
27.5 ( 2.1) |
58.6 ( 2.3) |
13.9 ( 1.5) |
| $25000 to $49999 |
11.6 ( 2.0) |
64.3 ( 3.0) |
24.1 ( 2.6) |
| $50000 to $74999 |
7.0 ( 1.7) |
63.3 ( 3.4) |
29.8 ( 3.3) |
| $75000+ |
3.6 ( 1.3) |
64.7 ( 3.3) |
31.7 ( 3.2) |
| EDUCATION |
|
|
|
| Less than high school |
43.5 ( 3.6) |
47.3 ( 3.7) |
9.2 ( 2.4) |
| High school |
14.3 ( 1.7) |
68.6 ( 2.3) |
17.0 ( 1.9) |
| Some post-secondary education |
8.2 ( 1.5) |
64.0 ( 2.7) |
27.8 ( 2.6) |
| BA or more |
7.5 ( 1.6) |
61.6 ( 2.7) |
30.9 ( 2.6) |
| ETHNICITY |
|
|
|
| White |
8.9 ( 1.1) |
65.2 ( 1.8) |
25.9 ( 1.7) |
| Black |
15.0 ( 2.3) |
60.9 ( 3.0) |
24.1 ( 2.6) |
| Hispanic |
36.3 ( 3.0) |
47.1 ( 3.1) |
16.6 ( 2.2) |
| Other |
10.5 ( 4.1) |
81.6 ( 5.2) |
7.8 ( 3.8) |
| SEX |
|
|
|
| Male |
13.5 ( 1.5) |
62.8 ( 2.3) |
23.7 ( 2.0) |
| Female |
13.5 ( 1.1) |
63.2 ( 1.7) |
23.3 ( 1.5) |
| EMPLOYMENT STATUS |
|
|
|
| Actively employed (FT or PT) |
10.2 ( 1.2) |
64.1 ( 1.9) |
25.8 ( 1.7) |
| Student |
19.9 ( 6.3) |
58.9 ( 8.1) |
21.2 ( 6.3) |
| Not employed (homemaker, retired, unemployed) |
18.9 ( 1.7) |
60.5 ( 2.3) |
20.6 ( 2.0) |
| Other |
15.6 ( 4.2) |
67.7 ( 5.8) |
16.7 ( 4.7) |
| GEOGRAPHIC RESIDENCE |
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
10.5 ( 1.9) |
62.5 ( 3.0) |
27.0 ( 2.8) |
| Resident of another state |
14.0 ( 1.0) |
63.0 ( 1.5) |
23.0 ( 1.4) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
| Obtained a credit report |
7.6 ( 0.9) |
63.7 ( 1.8) |
28.7 ( 1.7) |
| Did not obtain a credit report |
21.6 ( 1.8) |
62.0 ( 2.2) |
16.4 ( 1.7) |
| |
|
|
|
| Obtained credit score |
6.3 ( 1.1) |
62.5 ( 2.4) |
31.2 ( 2.3) |
| Did not obtain credit score |
17.0 ( 1.3) |
63.2 ( 1.7) |
19.8 ( 1.5) |
| |
|
|
|
| Disputed information on credit report |
7.9 ( 1.7) |
62.7 ( 3.2) |
29.3 ( 3.1) |
| Did not dispute credit report information |
14.7 ( 1.1) |
63.0 ( 1.6) |
22.3 ( 1.4) |
| |
|
|
|
| Had an auto or mortgage loan |
9.0 ( 0.9) |
64.5 ( 1.6) |
26.6 ( 1.5) |
| Did not have an auto or mortgage loan |
28.7 ( 2.5) |
57.9 ( 2.9) |
13.3 ( 2.1) |
| |
|
|
|
| Was a victim of identity theft |
11.6 ( 2.6) |
64.9 ( 4.1) |
23.5 ( 3.7) |
| Was not a victim of identity theft |
13.7 ( 1.0) |
62.7 ( 1.5) |
23.5 ( 1.3) |
| |
|
|
|
| Obtained credit report due to an adverse action |
9.8 ( 2.7) |
57.3 ( 5.1) |
33.0 ( 4.8) |
| Did not obtain credit report due to an adverse action |
13.9 ( 1.0) |
63.5 ( 1.5) |
22.7 ( 1.3) |