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Now, thinking about Americans in general, do you think credit scores are more the result of choices people make or things out of their control? NOTE: This variable originates on the GSS Next follow-on, and should not be analyzed without the GSS Next-specific weights WTSSPS_NEXT or WTSSNRPS_NEXT
Whether Americans' credit scores reflect choices or circumstances · Asked in 1 wave, 2025 · 1,065 responses · weighted estimates computed from individual responses
| Group | Entirely choices they make | Mostly choices they make | Both choices they make and things out of their control | Mostly things out of their control | Entirely things out of their control | n | MoE | |
|---|---|---|---|---|---|---|---|---|
| All respondents | 14% | 36% | 45% | 5% | 0% | 1065 | ±5 | |
| White |
General Social Survey 2024: GSS Next follow-on · US adults 18+ who completed the 2024 GSS interview and then this web follow-on (weighted to the adult population). Shares of people who gave an answer. n is unweighted; ± is the 95% margin of error at 50% from the weighted effective sample. Groups with an effective sample under 50 are grayed; under 20, hidden.
| Poll | Field dates | Mode | Respondents | Responses |
|---|---|---|---|---|
| General Social Survey 2024: GSS Next follow-on | 2025-08-20 to 2025-10-21 | web | 1,065 | 1,065 |
| 14% |
| 39% |
| 43% |
| 4% |
| 0% |
| 744 |
| ±5 |
| Black † | 8% | 35% | 51% | 5% | 1% | 139 | ±14 |
| Hispanic | 19% | 31% | 41% | 9% | 0% | 112 | ±13 |
| Asian † | Too few respondents | – | – | – | – | – | 41 | ±23 |
| Other † | Too few respondents | – | – | – | – | – | 16 | ±29 |