Table 2.

Factors Associated With Increasing Amounts of Money Stolen and Out-of-Pocket Costs Following Identity Theft

Independent variables	Model 1: Total amount stolen (N = 2,307)				Model 2: Out-of-pocket costs (N = 2,302)
	Odds ratio	95% CI		p	Odds ratio	95% CI		p
		Lower	Upper			Lower	Upper
Age	1.01	0.99	1.02	.355	1.01	0.98	1.05	.342
Female	0.96	0.82	1.13	.618	0.75	0.51	1.10	.138
Married	0.88	0.73	1.05	.160	0.54	0.34	0.84	.007
Urbanicity
Urban (reference)	—	—	—	—	—	—	—	—
Rural	1.04	0.81	1.34	.744	1.60	0.90	2.84	.109
Suburban	0.96	0.80	1.16	.667	0.89	0.57	1.40	.615
Race/ethnicity
White non-Latino (Reference)	—	—	—	—	—	—	—	—
Black	1.50	1.08	2.07	.016	1.86	0.90	3.83	.093
Latino	1.18	0.69	2.04	.540	0.56	0.20	1.56	.264
Asian/Indigenous/Pacific Islander/other	1.06	0.66	1.72	.802	3.60	1.69	7.67	.001
Educational attainment
Less than high school diploma (Reference)	—	—	—	—	—	—	—	—
High school graduate	0.94	0.66	1.35	.748	0.98	0.43	2.22	.957
Some college/associate degree	1.14	0.78	1.64	.498	0.93	0.44	1.98	.855
College degree or more	1.07	0.75	1.53	.713	1.00	0.45	2.19	.993
Income as percent of federal poverty level a
0–100%	1.16	0.79	1.71	.454	4.93	2.50	9.73	<.001
101–150%	0.92	0.62	1.36	.672	1.84	0.79	4.28	.155
151–200%	0.92	0.65	1.30	.625	1.03	0.38	2.76	.956
201–300%	0.90	0.67	1.20	.465	1.68	0.93	3.03	.087
301–400%	1.03	0.75	1.40	.872	1.33	0.72	2.45	.358
401–500%	1.20	0.92	1.57	.178	1.53	0.79	2.96	.201
501% or greater (Reference)	—	—	—	—	—	—	—	—
Type of identity theft
Existing credit card identity theft (Reference)	—	—	—	—	—	—	—	—
Multiple types of identity theft	1.59	1.11	2.27	.012	1.02	0.52	2.01	.950
Other existing account identity theft	1.06	0.88	1.27	.560	0.54	0.35	0.83	.005
New account identity theft	0.49	0.22	1.07	.075	0.52	0.16	1.67	.269
Instrumental identity theft	0.36	0.09	1.45	.150	1.80	0.31	10.52	.512
Contacted financial institution	0.41	0.28	0.61	<.001	0.96	0.46	2.00	.911

^aIncorporates household size.