According to TransUnion, Americans reduced their overdue credit card debts during the second quarter of 2011. The credit analysis organization reports that instances of bills unpaid for more than 90 days fell 0.6 percent, putting the occurrence of such outstanding debts of such occurrences to the lowest point in nearly 20 years. The results of TransUnion's findings may be a result of Americans displaying fiscal maturation or frugality due to the poor economy, and the findings are a sign of progress for the United States. TU further suggested that the "recovering economy is only indirectly impacting delinquency rates." For six straight quarters, the rate of delinquent debts has declined. TU marks three major factors in the improved debt figures. First, financial services are becoming more involved and particular in consumer credit applications. Second, many lenders are cancelling the debt of many uncollectable accounts. And finally, consumers are becoming even more responsible when using their cards, taking into account the financial dangers of rolling over debts. Following the up and down ride of Wall Street in recent weeks, credit card owners have made better decisions because of a potential recession.