Core Insights - The article highlights the increasing struggle of Americans with subprime credit, with over 14% affected, the highest since 2019 Group 1: Credit Score Challenges - More than 14% of Americans currently have subprime credit, indicating a significant rise in credit issues since 2019 [1] - Regularly reviewing credit reports is crucial, especially for those with poor credit, as 44% of individuals found errors in their reports [2] Group 2: Strategies to Improve Credit Score - Eliminating errors on credit reports can lead to a substantial increase in credit scores, with recommendations to check reports from TransUnion, Equifax, and Experian [3][4] - Reducing debt is essential, as lower credit utilization ratios can significantly enhance credit scores; keeping utilization under 30% is advised [5][6][7] - Using credit responsibly can also improve scores; creditors favor responsible borrowing behavior, such as paying off credit card balances in full [8]