Six years out from the financial crisis, most Americans are still not borrowing more, despite well-qualified borrowers taking out loans.

Two analysts at the Federal Reserve Bank of Cleveland dug into data taken from the credit report company Equifax and found evidence to “suggest that the consumer credit market is still weak outside select sectors and for borrowers at the riskier end of the credit spectrum.” Although the headline numbers show that households finally stopped tightening their belts after the financial crisis and started borrowing more in early 2013, the underlying data indicate that many people with weaker credit still aren’t participating.