Credit scores in the U.S. are falling at their fastest rate since the Great Recession, dropping an average of two points this year, according to FICO.

Younger Americans, especially Gen Z, are feeling the most pressure, with average scores declining three points and 14% experiencing drops of 50 points or more.

Rising delinquencies on auto loans, credit cards, and personal loans highlight growing financial strain, even as stocks and home values remain strong, reflecting a “K-shaped” economy where many Americans struggle despite overall economic growth, CNN has reported.