Chances are, If you’re a millennial your credit score is “subprime” — enough to make lenders think twice about doing business with you.

TransUnion reported that  43% of borrowers ages 18 to 36 have a credit score of 600 or below on the 300-to-850 VantageScore scale.  Generation X (ages 37-51) is at 33%, Baby Boomers (52-70) at 20%, and the silent generation (70+) rounds out at 9%.