| All respondents |
70.9 ( 1.3) |
7.6 ( 0.7) |
6.5 ( 0.7) |
1.3 ( 0.3) |
13.7 ( 0.9) |
| AGE GROUP |
|
|
|
|
|
| 18 to 24 |
66.0 ( 4.6) |
7.2 ( 2.2) |
2.6 ( 1.1) |
0.8 ( 0.8) |
23.4 ( 4.2) |
| 25 to 34 |
73.5 ( 2.9) |
7.5 ( 1.6) |
7.3 ( 1.5) |
0.8 ( 0.6) |
10.9 ( 2.1) |
| 35 to 44 |
79.0 ( 2.7) |
8.0 ( 1.8) |
7.7 ( 1.8) |
0.0 ( 0.0) |
5.2 ( 1.2) |
| 45 to 54 |
72.3 ( 2.8) |
8.9 ( 1.8) |
8.8 ( 1.7) |
1.5 ( 0.9) |
8.5 ( 1.7) |
| 55 to 64 |
75.2 ( 3.1) |
5.7 ( 1.7) |
8.0 ( 2.0) |
1.7 ( 1.0) |
9.4 ( 1.9) |
| 65 and older |
60.1 ( 3.1) |
8.0 ( 1.7) |
2.3 ( 0.8) |
2.8 ( 1.2) |
26.9 ( 2.8) |
| INCOME |
|
|
|
|
|
| Less than $25000 |
54.5 ( 2.3) |
11.2 ( 1.4) |
7.0 ( 1.1) |
1.9 ( 0.7) |
25.4 ( 2.0) |
| $25000 to $49999 |
73.5 ( 2.6) |
7.9 ( 1.6) |
6.4 ( 1.4) |
1.5 ( 0.8) |
10.8 ( 1.8) |
| $50000 to $74999 |
78.2 ( 2.8) |
4.2 ( 1.4) |
8.5 ( 1.8) |
1.1 ( 0.8) |
7.9 ( 1.9) |
| $75000+ |
86.2 ( 2.3) |
5.7 ( 1.5) |
5.2 ( 1.4) |
0.5 ( 0.5) |
2.5 ( 1.1) |
| EDUCATION |
|
|
|
|
|
| Less than high school |
37.3 ( 3.6) |
11.9 ( 2.2) |
5.0 ( 1.5) |
1.0 ( 0.6) |
44.8 ( 3.7) |
| High school |
62.9 ( 2.4) |
10.1 ( 1.4) |
8.5 ( 1.3) |
2.7 ( 0.9) |
15.7 ( 1.8) |
| Some post-secondary education |
76.5 ( 2.3) |
7.5 ( 1.5) |
6.4 ( 1.2) |
0.7 ( 0.5) |
9.0 ( 1.5) |
| BA or more |
85.1 ( 1.9) |
3.7 ( 1.0) |
5.1 ( 1.1) |
0.5 ( 0.3) |
5.7 ( 1.2) |
| ETHNICITY |
|
|
|
|
|
| White |
76.8 ( 1.5) |
5.2 ( 0.8) |
5.5 ( 0.8) |
1.5 ( 0.4) |
11.0 ( 1.1) |
| Black |
65.7 ( 2.8) |
9.3 ( 1.8) |
10.4 ( 1.7) |
0.3 ( 0.3) |
14.3 ( 2.1) |
| Hispanic |
47.6 ( 3.1) |
15.9 ( 2.2) |
8.3 ( 1.7) |
1.1 ( 0.7) |
27.1 ( 2.8) |
| Other |
67.5 ( 5.9) |
13.4 ( 4.7) |
4.7 ( 2.3) |
0.8 ( 0.8) |
13.5 ( 3.9) |
| SEX |
|
|
|
|
|
| Male |
73.3 ( 2.0) |
8.0 ( 1.2) |
4.8 ( 0.9) |
1.1 ( 0.5) |
12.8 ( 1.5) |
| Female |
68.8 ( 1.6) |
7.2 ( 0.9) |
8.1 ( 0.9) |
1.5 ( 0.4) |
14.4 ( 1.2) |
| EMPLOYMENT STATUS |
|
|
|
|
|
| Actively employed (FT or PT) |
76.6 ( 1.6) |
6.9 ( 0.9) |
7.0 ( 0.9) |
0.9 ( 0.4) |
8.6 ( 1.1) |
| Student |
72.1 ( 6.9) |
9.4 ( 4.3) |
3.7 ( 2.8) |
0.0 ( 0.0) |
14.8 ( 5.1) |
| Not employed (homemaker, retired, unemployed) |
59.9 ( 2.3) |
8.9 ( 1.3) |
5.4 ( 1.0) |
2.3 ( 0.7) |
23.4 ( 1.9) |
| Other |
70.0 ( 6.1) |
5.7 ( 2.7) |
9.5 ( 3.5) |
0.0 ( 0.0) |
14.7 ( 5.4) |
| GEOGRAPHIC RESIDENCE |
|
|
|
|
|
| Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) |
76.4 ( 2.5) |
3.9 ( 1.1) |
8.7 ( 1.7) |
1.1 ( 0.7) |
10.0 ( 1.7) |
| Resident of another state |
70.1 ( 1.4) |
8.1 ( 0.8) |
6.2 ( 0.7) |
1.3 ( 0.3) |
14.3 ( 1.0) |
| FINANCIAL AND CREDIT REPORT EXPERIENCE |
|
|
|
|
|
| Obtained a credit report |
80.5 ( 1.4) |
6.8 ( 0.9) |
8.3 ( 1.0) |
0.5 ( 0.3) |
4.0 ( 0.7) |
| Did not obtain a credit report |
57.9 ( 2.2) |
8.7 ( 1.1) |
4.0 ( 0.8) |
2.3 ( 0.7) |
27.1 ( 1.9) |
| |
|
|
|
|
|
| Obtained credit score |
82.8 ( 1.9) |
6.5 ( 1.2) |
6.7 ( 1.2) |
0.5 ( 0.4) |
3.5 ( 0.9) |
| Did not obtain credit score |
65.1 ( 1.6) |
8.1 ( 0.9) |
6.4 ( 0.8) |
1.7 ( 0.4) |
18.8 ( 1.3) |
| |
|
|
|
|
|
| Disputed information on credit report |
79.3 ( 2.6) |
6.2 ( 1.6) |
9.2 ( 1.7) |
0.4 ( 0.4) |
5.0 ( 1.5) |
| Did not dispute credit report information |
69.1 ( 1.4) |
7.9 ( 0.8) |
5.9 ( 0.7) |
1.5 ( 0.4) |
15.7 ( 1.1) |
| |
|
|
|
|
|
| Had an auto or mortgage loan |
75.4 ( 1.4) |
7.1 ( 0.8) |
7.2 ( 0.8) |
1.2 ( 0.4) |
9.0 ( 0.9) |
| Did not have an auto or mortgage loan |
55.8 ( 2.9) |
9.0 ( 1.4) |
4.1 ( 0.8) |
1.5 ( 0.6) |
29.5 ( 2.6) |
| |
|
|
|
|
|
| Was a victim of identity theft |
72.8 ( 3.7) |
8.3 ( 2.4) |
6.7 ( 1.9) |
0.3 ( 0.3) |
11.8 ( 2.7) |
| Was not a victim of identity theft |
70.7 ( 1.3) |
7.5 ( 0.8) |
6.5 ( 0.7) |
1.4 ( 0.4) |
14.0 ( 1.0) |
| |
|
|
|
|
|
| Obtained credit report due to an adverse action |
74.8 ( 4.2) |
3.2 ( 1.6) |
17.0 ( 3.6) |
1.7 ( 1.3) |
3.3 ( 1.4) |
| Did not obtain credit report due to an adverse action |
70.6 ( 1.3) |
8.0 ( 0.8) |
5.5 ( 0.6) |
1.2 ( 0.3) |
14.7 ( 1.0) |