Les dades sobre el crèdit del consumidor són confuses, especialment en els estudiants universitaris

18/05/2016

Consumer Credit is Confusing, Data Finds College Students Confused
Publicat per Salem-News.com
Imatge publicada a Salem-News.com

Financial literacy is “the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being.” (2008-The President’s Advisory Council on Financial Literacy)

(SALEM, Ore.) – A new survey was administered to test the knowledge of students on consumer credit in March. The results were not promising.

The survey was sent out to Bay Area college campuses; the colleges were a mix of private and public schools that offered 2 year or 4 year degrees. About 668 participants answered questions about consumer credit, building credit, and credit scores.

As mentioned earlier, the results are not promising.

From the start, students were asked to produce a definition of a credit score. 59.3% of the respondents were not able to define a credit score.

When asked which was preferable, a high or low credit score, about 20% a low credit score was better. In addition to these questions, 95.5% of the sample did not know the range of possible credit scores, and 45.5% could not say what factors determined a credit score.

Already the survey is revealing a stunning lack of knowledge when it comes to consumer credit.

It was not too much of a shock at that point when 42.5% believed student loan debt did not factor into a credit score.

Out of 668 students, 65.1% had a credit card opened in their name which is alarming considering the lack of knowledge on credit scores. Out of those who had a credit card, 72.1% did not know their credit scores.

On top of little knowledge of credit scores, a decent portion of college students had credit cards, so it was not much of a shock at this point when students did not know their standing with credit.

After unveiling the number of card holders, a decent portion (42.4%) did not know a single way to improve a credit score. On top of that, 43.9% did not even know any ways to negatively impact a credit score.

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