Close-up of silver digits on a credit card. Very shallow depth of field, focus on number 2. You can see the texture of the card in the in-focus areas.
Fewer Americans are ending up with rock-bottom credit scores.
Compared to last year, about one-and-a-half-million *fewer* consumers are now in the lowest-scoring range, according to the credit scoring company FICO.
Just over 14 percent have scores of 549 or less.
Analysts at FICO say many people with high debt loads and bad credit before the recession have been more careful, and improved their scores.
And others had such low scores that they were no longer able to get credit -- so they stopped trying or stopped borrowing, and they are no longer tracked by FICO.