The latest reason for the stalling recovery — American consumers are tapped out in terms of credit.  More of them than ever are poor credit risks, based on their FICO scores.  Some 25.5 percent of American cosumers — nearly 43.4 million people — now have a credit score of 599 or below, marking them as poor risks for lenders.  Their is some good news on the plus side, however, as many people have wored to pay down debts during the recession.  The number of consumers who have a top score of 800 or above has increased in recent years.  Associated Press Jul. 12, 2010