Q9: Where would you get a copy of your credit report?

Demographic and experience categories CRA--in general CRA--named specifically Internet--named specifically Internet--in general Bank
financial institution		 Credit card company Government Where you applied for a loan Call an 800 number Other Do not know
All respondents 25.0 ( 1.2) 5.8 ( 0.7) 3.4 ( 0.6) 25.9 ( 1.3) 12.2 ( 0.9) 1.4 ( 0.4) 0.5 ( 0.2) 2.7 ( 0.4) 0.9 ( 0.2) 3.4 ( 0.5) 19.0 ( 1.1)
AGE GROUP                      
18 to 24 14.1 ( 3.7) 2.0 ( 1.2) 5.7 ( 2.3) 31.1 ( 5.1) 15.0 ( 3.4) 1.4 ( 1.0) 0.0 ( 0.0) 2.1 ( 1.1) 0.9 ( 0.6) 2.7 ( 1.4) 25.0 ( 4.2)
25 to 34 21.5 ( 2.8) 5.9 ( 1.8) 6.3 ( 1.9) 29.6 ( 3.4) 12.5 ( 2.4) 1.5 ( 1.0) 1.0 ( 0.7) 1.8 ( 0.7) 0.9 ( 0.4) 2.5 ( 0.9) 16.6 ( 2.6)
35 to 44 30.0 ( 3.1) 9.0 ( 2.1) 2.8 ( 1.0) 26.7 ( 3.1) 10.5 ( 2.1) 1.5 ( 0.9) 0.3 ( 0.3) 4.2 ( 1.2) 0.8 ( 0.6) 1.5 ( 1.0) 12.8 ( 2.3)
45 to 54 26.5 ( 2.8) 6.5 ( 1.7) 3.1 ( 1.3) 29.6 ( 3.1) 11.0 ( 2.0) 0.5 ( 0.4) 0.5 ( 0.3) 2.7 ( 1.0) 0.7 ( 0.4) 3.3 ( 1.1) 15.6 ( 2.3)
55 to 64 34.8 ( 3.5) 4.8 ( 1.6) 1.7 ( 1.0) 27.3 ( 3.4) 9.8 ( 2.2) 1.0 ( 0.8) 0.0 ( 0.0) 1.7 ( 0.9) 1.0 ( 0.8) 2.7 ( 1.3) 15.1 ( 2.5)
65 and older 22.6 ( 2.7) 4.5 ( 1.4) 0.8 ( 0.6) 12.8 ( 2.4) 14.1 ( 2.3) 2.9 ( 1.2) 1.0 ( 0.7) 1.9 ( 0.9) 1.4 ( 0.7) 7.8 ( 1.8) 30.2 ( 2.8)
INCOME                      
Less than $25000 20.7 ( 1.7) 4.5 ( 0.9) 1.6 ( 0.7) 15.6 ( 1.8) 16.3 ( 1.8) 1.7 ( 0.6) 0.4 ( 0.3) 3.4 ( 0.8) 1.1 ( 0.4) 4.1 ( 0.9) 30.5 ( 2.1)
$25000 to $49999 20.5 ( 2.5) 7.3 ( 1.7) 6.4 ( 1.6) 25.6 ( 2.9) 11.8 ( 2.0) 1.4 ( 0.7) 0.7 ( 0.4) 4.7 ( 1.2) 0.8 ( 0.5) 4.1 ( 1.1) 16.7 ( 2.3)
$50000 to $74999 32.6 ( 3.3) 5.4 ( 1.5) 2.8 ( 1.0) 32.6 ( 3.5) 6.2 ( 1.6) 1.3 ( 1.0) 0.0 ( 0.0) 2.2 ( 0.9) 0.8 ( 0.4) 2.2 ( 1.1) 13.8 ( 2.4)
$75000+ 31.1 ( 3.1) 7.3 ( 1.8) 3.8 ( 1.2) 32.0 ( 3.2) 12.0 ( 2.3) 1.4 ( 0.8) 0.5 ( 0.5) 0.0 ( 0.0) 1.0 ( 0.6) 2.2 ( 1.0) 8.7 ( 2.0)
EDUCATION                      
Less than high school 15.8 ( 2.4) 1.0 ( 0.6) 0.5 ( 0.5) 10.0 ( 2.3) 18.3 ( 2.9) 0.8 ( 0.6) 0.4 ( 0.4) 5.8 ( 1.8) 0.8 ( 0.6) 2.4 ( 1.2) 44.3 ( 3.7)
High school 20.7 ( 2.0) 4.6 ( 1.1) 1.6 ( 0.6) 22.4 ( 2.2) 14.3 ( 1.8) 1.2 ( 0.5) 0.4 ( 0.3) 3.2 ( 0.7) 0.5 ( 0.4) 4.6 ( 1.1) 26.6 ( 2.3)
Some post-secondary education 28.4 ( 2.5) 5.5 ( 1.3) 4.9 ( 1.3) 31.2 ( 2.8) 10.3 ( 1.7) 1.3 ( 0.6) 0.9 ( 0.5) 2.4 ( 0.8) 0.9 ( 0.3) 3.2 ( 0.9) 11.0 ( 1.7)
BA or more 29.2 ( 2.4) 8.8 ( 1.6) 4.7 ( 1.2) 29.8 ( 2.6) 9.7 ( 1.7) 1.8 ( 0.9) 0.1 ( 0.1) 1.4 ( 0.6) 1.3 ( 0.5) 2.7 ( 0.8) 10.4 ( 1.6)
ETHNICITY                      
White 23.5 ( 1.6) 6.1 ( 0.9) 3.6 ( 0.7) 30.9 ( 1.8) 12.2 ( 1.2) 1.4 ( 0.5) 0.6 ( 0.3) 1.5 ( 0.4) 0.6 ( 0.3) 3.1 ( 0.6) 16.4 ( 1.3)
Black 43.8 ( 3.0) 6.3 ( 1.4) 5.0 ( 1.5) 12.6 ( 2.1) 6.4 ( 1.5) 0.6 ( 0.4) 0.0 ( 0.0) 3.5 ( 1.0) 2.8 ( 0.9) 1.7 ( 0.8) 17.4 ( 2.4)
Hispanic 17.0 ( 2.2) 3.4 ( 1.1) 1.0 ( 0.6) 14.6 ( 2.1) 16.0 ( 2.2) 2.5 ( 1.1) 0.3 ( 0.3) 5.8 ( 1.5) 0.7 ( 0.4) 4.8 ( 1.4) 33.8 ( 3.0)
Other 20.8 ( 5.0) 7.0 ( 3.6) 2.7 ( 2.7) 19.8 ( 5.4) 14.9 ( 4.4) 0.0 ( 0.0) 0.0 ( 0.0) 9.3 ( 3.7) 0.0 ( 0.0) 8.5 ( 3.4) 17.1 ( 4.5)
SEX                      
Male 23.5 ( 1.9) 7.4 ( 1.3) 3.8 ( 0.9) 26.6 ( 2.2) 11.5 ( 1.5) 1.6 ( 0.6) 0.4 ( 0.2) 1.8 ( 0.5) 0.6 ( 0.3) 3.7 ( 0.8) 19.1 ( 1.8)
Female 26.4 ( 1.6) 4.3 ( 0.7) 3.0 ( 0.6) 24.9 ( 1.6) 12.8 ( 1.2) 1.2 ( 0.4) 0.5 ( 0.3) 3.6 ( 0.6) 1.1 ( 0.3) 3.3 ( 0.6) 18.9 ( 1.3)
EMPLOYMENT STATUS                      
Actively employed (FT or PT) 25.7 ( 1.6) 7.7 ( 1.1) 3.2 ( 0.7) 28.2 ( 1.9) 11.9 ( 1.3) 1.2 ( 0.4) 0.4 ( 0.2) 2.9 ( 0.6) 0.7 ( 0.2) 2.1 ( 0.5) 16.1 ( 1.4)
Student 22.1 ( 6.4) 1.9 ( 1.9) 10.5 ( 5.4) 32.6 ( 8.8) 16.4 ( 5.7) 0.0 ( 0.0) 0.0 ( 0.0) 2.9 ( 2.8) 0.0 ( 0.0) 7.4 ( 3.9) 6.3 ( 2.9)
Not employed (homemaker, retired, unemployed) 23.0 ( 2.1) 3.0 ( 0.7) 2.7 ( 0.8) 19.7 ( 1.9) 13.3 ( 1.6) 2.1 ( 0.7) 0.6 ( 0.4) 2.1 ( 0.6) 1.2 ( 0.5) 5.7 ( 1.1) 26.6 ( 2.0)
Other 31.7 ( 5.8) 1.3 ( 1.3) 4.0 ( 2.8) 31.8 ( 5.9) 5.3 ( 2.6) 1.0 ( 1.0) 0.9 ( 0.9) 3.8 ( 2.6) 2.7 ( 2.3) 1.0 ( 1.0) 16.5 ( 5.4)
GEOGRAPHIC RESIDENCE                      
Resident of a free report state (CO, GA, ME, MD, MA, NJ, VT) 27.9 ( 2.7) 7.1 ( 1.7) 4.1 ( 1.4) 27.3 ( 2.8) 7.7 ( 1.7) 0.9 ( 0.5) 1.0 ( 0.6) 1.7 ( 0.6) 2.5 ( 0.8) 1.5 ( 0.6) 18.3 ( 2.3)
Resident of another state 24.5 ( 1.4) 5.6 ( 0.8) 3.2 ( 0.6) 25.6 ( 1.5) 12.8 ( 1.1) 1.5 ( 0.4) 0.4 ( 0.2) 2.8 ( 0.5) 0.7 ( 0.2) 3.7 ( 0.6) 19.1 ( 1.2)
FINANCIAL AND CREDIT REPORT EXPERIENCE                      
Obtained a credit report 32.4 ( 1.8) 8.3 ( 1.1) 3.6 ( 0.7) 28.1 ( 1.8) 10.6 ( 1.2) 1.3 ( 0.4) 0.4 ( 0.2) 2.9 ( 0.6) 1.1 ( 0.3) 3.2 ( 0.6) 8.1 ( 1.0)
Did not obtain a credit report 14.8 ( 1.5) 2.3 ( 0.8) 3.0 ( 0.9) 22.8 ( 2.0) 14.3 ( 1.5) 1.5 ( 0.6) 0.6 ( 0.3) 2.4 ( 0.6) 0.5 ( 0.3) 3.8 ( 0.8) 34.0 ( 2.1)
                       
Obtained credit score 35.8 ( 2.4) 8.9 ( 1.5) 3.4 ( 0.9) 28.4 ( 2.3) 8.0 ( 1.4) 1.7 ( 0.7) 0.0 ( 0.0) 3.0 ( 0.8) 0.6 ( 0.4) 3.5 ( 0.9) 6.6 ( 1.3)
Did not obtain credit score 19.7 ( 1.4) 4.2 ( 0.7) 3.3 ( 0.7) 24.6 ( 1.7) 14.2 ( 1.2) 1.2 ( 0.4) 0.7 ( 0.3) 2.6 ( 0.5) 1.0 ( 0.3) 3.4 ( 0.6) 25.0 ( 1.5)
                       
Disputed information on credit report 37.6 ( 3.2) 11.9 ( 2.3) 4.2 ( 1.4) 25.9 ( 3.0) 4.8 ( 1.5) 0.7 ( 0.4) 0.2 ( 0.2) 3.4 ( 1.1) 1.0 ( 0.4) 3.5 ( 1.2) 6.9 ( 1.6)
Did not dispute credit report information 22.2 ( 1.3) 4.4 ( 0.7) 3.2 ( 0.6) 25.9 ( 1.5) 13.8 ( 1.1) 1.6 ( 0.4) 0.5 ( 0.2) 2.6 ( 0.5) 0.9 ( 0.3) 3.4 ( 0.6) 21.6 ( 1.3)
                       
Had an auto or mortgage loan 26.0 ( 1.4) 6.7 ( 0.9) 3.4 ( 0.6) 28.3 ( 1.6) 11.3 ( 1.1) 1.3 ( 0.4) 0.3 ( 0.2) 2.6 ( 0.5) 1.1 ( 0.3) 3.1 ( 0.6) 15.7 ( 1.2)
Did not have an auto or mortgage loan 21.4 ( 2.4) 2.6 ( 0.8) 3.1 ( 1.1) 17.6 ( 2.6) 15.2 ( 2.1) 1.5 ( 0.7) 1.0 ( 0.6) 2.9 ( 0.9) 0.1 ( 0.1) 4.5 ( 1.1) 30.2 ( 2.6)
                       
Was a victim of identity theft 37.9 ( 4.2) 11.5 ( 3.0) 0.0 ( 0.0) 19.7 ( 3.5) 7.7 ( 2.4) 0.6 ( 0.6) 0.0 ( 0.0) 2.3 ( 1.1) 0.8 ( 0.5) 5.5 ( 2.2) 14.1 ( 3.0)
Was not a victim of identity theft 23.6 ( 1.3) 5.1 ( 0.7) 3.7 ( 0.6) 26.5 ( 1.4) 12.7 ( 1.0) 1.5 ( 0.4) 0.5 ( 0.2) 2.7 ( 0.5) 0.9 ( 0.2) 3.2 ( 0.5) 19.5 ( 1.2)
                       
Obtained credit report due to an adverse action 41.9 ( 5.2) 12.5 ( 3.5) 3.2 ( 2.0) 12.3 ( 3.5) 6.2 ( 2.6) 1.1 ( 0.8) 1.2 ( 1.2) 3.7 ( 1.8) 2.1 ( 1.0) 4.0 ( 1.9) 11.8 ( 3.2)
Did not obtain credit report due to an adverse action 23.4 ( 1.2) 5.2 ( 0.7) 3.4 ( 0.6) 27.1 ( 1.4) 12.7 ( 1.0) 1.4 ( 0.4) 0.4 ( 0.2) 2.6 ( 0.4) 0.8 ( 0.2) 3.4 ( 0.5) 19.7 ( 1.2)

Percent estimates totaling 100% within each demographic and experience category, with standard errors in parentheses
 
GAO-05-411SP Credit Reporting Literacy Survey Data
Full Report: GAO-05-223