If your credit score is 581 is that good or bad? home › Forums › Improving Your Credit Score › If your credit score is 581 is that good or bad? This topic contains 0 replies, has 1 voice, and was last updated by twarin 4 years, 8 months ago. Author Posts May 24, 2011 at 9:06 pm #219158 twarin i had a credit card that i havnt used or paid fees in months and i went to freecreditreport.com and my score was 581….is that good or bad? Author Posts You must be logged in to reply to this topic.