Subprime scores refers to low credit scores of (580 - 619), which is designated as a low credit rating. Therefore, challenges which people living in such state or country might have is reduced chances or inability to get loans.
Individual's credit rating is a very important factor which is considered for the approval of a loan application. Hence, individual's with low credit scores of the find it difficult to obtain loans.
Therefore, the challenge faced by people living in states with high subprime scores is the reduced chances of getting loans.
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