Answer:  41%.

From The Consumerist;

A new survey from Bankrate.com found that more than one-third of American adults – roughly 35% – have never requested their credit reports.

When it comes to not checking credit reports, both millennials and older consumers were the most likely culprits. Nearly 44% of senior citizens (those 65 years of age or older) report they have never checked their credit reports, while 41% of consumers ages 18 to 29 have never reviewed the records.

I am reminded in looking at these statistics that millenials to date have proven to be credit averse. Ask your students to develop a list of the benefits of checking their credit reports at annualcreditreport.com (be sure to let them know that this is a free service.

In checking my credit reports recently, I was happy to see a screen that gives consumers the choice to request their FREE reports from one, two or three of the credit bureaus (Experian, TransUnion, Equifax).  By requesting a report from one credit bureau every four months, a consumer would have more frequent visibility into their credit health.  I also was happy to see that this process took no longer than 2-3 minutes to receive my report.  As I posted earlier, given the incidence of the theft of minor identities, you should start getting into the habit of checking credit reports several years prior to turning 18.

About the Author

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

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