It should have been predicted a year ago - and perhaps it was.  With more people in foreclosure or facing short-sales to get out from under their house mortgage, credit scores across the country are sinking.

According to a report by FICO, Inc., more than 25 percent of Americans today have a credit score of 599 or less.  There have been increases in people whose scores are above 800, but the middle-of-the-road borrowers are fewer and farther between.

MSNBC reports on the lower scores,

It can take several months before payment missteps actually drive down a credit score. The Labor Department says about 26 million people are out of work or underemployed, and millions more face foreclosure, which alone can chop 150 points off an individual’s score. Once the damage is done, it could be years before this group can restore their scores, even if they had strong credit histories in the past.

How has your credit score been impacted in the last two years?