@Anonymous wrote:I think you would get skewed results for what you're looking for, possibly. Like regarding age, I had scores in the 730-760 range when I was younger and spent absolutely no time trying to have good credit...fast forward 20 years later, my scores are in the 630-675 range and I am trying like the dickens to rebuild. And gender? I actually think, from what I can tell on here, there is a good mix of people of all genders trying their best to manage their credit well.
Bingo, and also it's skewed as this forum is a self selecting population anyway, and with this forum anywhere we posted the survey would be even further self-selected as there isn't a lot of cross-pollination between the individual boards here... most people find one or two homes and tend to stay there TBH. As a result, anyone trying to do research of this nature on a place where most people found it because something went wrong in their credit using lives, is going to be somewhere between bad and laughable as a dataset.
@Anonymous wrote:
@Anonymous wrote:Just a survey I'm conducting. I wanted to see whether men or women are better at managing their credit score and reports and whether age makes a difference between the three scores. I wanted to know the number of inquiries to see the average a person would have within the 2 year time span before they "expire" on their credit report.
I hope this isn't for a statistics class. If so, automatic FAIL. You just hit every sampling bias possible: Voluntary response, nonresponse, convenience sample, social favorability. Your sampling error would be HUGE!
+1
@Anonymous wrote:I don't know if having a better score is akin to being better at "managing" your score, since I take you mean "managing their score" to be the same as saying "managing their credit and/or finances." People get into financial trouble for rather innocent reasons all the time, like hospital bills, divorce or losing a job. Sometimes people's parents or spouses ruin their credit, even.
I'm always curious about how many inquiries other people have, though. I've got about 5 on each bureau, give or take. I'm in rebuild and don't want to go crazy apping for a bunch of crappy cards.
Data is a bit old but it should still be good enough to get an idea on the forum distribution of inquiry counts as there were a large number of reponses even if it's likely substantially higher than the consumer average.