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579 Credit Score: Is It Good or Bad?

579 Poor
Updated March 14, 2024
Written by Rachel Alulis

A 579 credit score is not the best possible FICO score for a consumer in 2024. The good news is, it’s not the worst either. 579 is considered a poor credit score but it is only one point away from being in the fair range.

It will be tough to secure a loan or credit card with a below average credit score but it’s far from impossible. Plenty of lenders accept applicants whose FICO scores fall in the poor or fair categories.

Today, we’ll walk you through what a 579 credit score means, what loans and cards you’ll qualify for, and how you can raise your rating. Let’s start with learning what a bad rating can do to your finances and how to improve it.

Credit cards with a 579 credit score

579 credit score credit cards can be hard to find, but they exist. Your choices will be limited to subprime unsecured cards, secured cards, or becoming an authorized user on some else’s card.

Being an authorized user means that your score can benefit from the primary cardholder’s good financial habits. Be sure to ask a trusted friend or family member with a good score if they’ll add you to their card.

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Fees & Rates of Сards for bad Сredit

Annual Fee N/A
Intro APR N/A
Regular APR 10%
Credit Score Range 300-579
Monthly Fee $0

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Unsecured credit card

Cards that don’t require a security deposit to create an account are known as unsecured cards. Even while they could be more difficult to get if your rating is 579, some issuers offer cards designed specifically for people with poor scores.

The catch is, that compared to cards provided to people with better ratings, they frequently have higher interest rates, lower limits, and fewer benefits. Weigh the cost of the card with the benefit of having an unsecured card before you take one on.

Secured credit cards

A secured card is easy to get because it requires a security deposit – 100% refundable – that sets your limit and acts as collateral. If you fail to pay, the card issuer can take the money from your deposit. These cards can be a good way to raise your rating since the issuer typically reports to all three main credit bureaus and the card usually comes with lower interest rates and fewer fees than unsecured cards for poor scores. Some issuers will even upgrade you to an unsecured card after a period of consistent on time payments.

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Personal loans with a 579 credit score

There are 579 credit score personal loans available. You simply need to know where to look.

Online lenders

A lot of online lenders specialize in loans for subprime scores – under 670. These lenders look at factors other than your rating including your income and employment history. A high income and stable employment will benefit your application even if your score is very poor.

Take a look at online loan marketplaces. These marketplaces allow you to connect with multiple direct lenders whose loans you qualify for by submitting a single loan application. This way, you get to prequalify before you apply.

Prequalifying does not guarantee that you’ll be approved. What it does is allow you to compare loan options and then apply for the best deal – all without hurting your rating. Compare the loan amount, interest rate, fees, and repayment terms to ensure you get the best loan possible.

Credit unions

Credit unions tend to offer loans with more favorable terms and more lenient eligibility requirements than big banks. One type of loan they have for members with poor FICO scores is a payday alternative loan (PAL). These were created in response to payday loans and their excessive costs.

PALs are structured to promote financial stability and affordability for borrowers. The interest rate cannot exceed 28% (a low rate for a subprime loans) and the application fee cannot exceed $20. The repayment terms range from one to six months and the loan amount ranges from $200 to $1,000. You do have to be a member of a credit union to qualify.

Make sure the lender reports payments to help improve your score.

Cash advance apps

A newer option for a 579 credit score loan is a cash advance or paycheck advance app. These apps let you access the money you’ve earned instantly before payday. Most come with no interest, no hard pull, and little to no fees.

The repayment terms are short – usually your next payday. The good news is the money will be debited from your direct deposit paycheck so you don’t have to worry about missing a payment. Plus, a lot of apps will let you reschedule the payment if you need to.

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How a bad credit score can hurt you

579 is a bad credit score. Bad scores can be caused by a number of things including late payments, heavy utilization, or accounts in collection.

A 579 credit score can make it difficult to borrow money in any form. You will have a hard time getting a loan or card that isn’t secured when your FICO score falls in the poor or bad range. Most lenders prefer applicants who have a good rating since they have proven themselves reliable at repaying the money they borrow on time.

When your score is poor, you will likely be granted loans with less advantageous terms. This can mean a shorter repayment period, higher interest rates, and additional fees. Most cards you’ll be offered will be secured. You can fix your rating with a secured card, however, you must pay a security deposit, usually $200, to obtain an equivalent credit limit.

There are unsecured cards for poor scores, but these will come with high APRs (annual percentage rates), low limits, and additional fees like an annual fee.

What score do you need to qualify for a credit card?

Find out the necessary score to get a credit card.

The impact of a bad credit score

Contrary to popular belief, a bad score can have significant consequences beyond what loans and cards you’ll be approved for. Low ratings can make it difficult to rent an apartment as landlords want assurance you’ll pay rent on time. Utility companies may require a security deposit in order to establish utility services. It can even work against you while applying for jobs. In certain states, you may be required to pay higher insurance premiums.

Your FICO score is an indication of how reliable you are at repaying what you owe as agreed. When your rating is poor, you are not considered a reliable borrower and this will affect other aspects of your life. Basically, it will make things more difficult and cost you more. The financial benefits of raising your rating are numerous.

Read more about your credit score!

What makes a good credit score?

We’ve established that 579 is not a good credit score, but what makes a good score?

Scoring models generally classify credit scores into several ranges. Both Vantage and FICO scores range from 300-850. The exact ranges vary based on the credit scoring model used.

FICO scores are broken down into 5 categories:

  • 800-850 – Exceptional
  • 740-799 – Very Good
  • 670-739 – Good
  • 580-669 – Fair
  • 300-850 – Poor

Creditors typically see a score of 670 or higher as acceptable or lower risk. In contrast, a FICO score below 670 is considered subprime. FICO scores below 580 are classified as deep subprime. Applicants with a subprime or deep subprime FICO score will have a difficult time obtaining loans or cards.

In contrast, applicants with FICO scores above 670 will have an easier time obtaining loans with more favorable terms and cards with rewards and perks. FICO scores in the good range are the result of responsible financial habits. Namely paying all bills on time and not being dependent on borrowing money.

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Factors that impact your credit score

Understanding the various factors that impact your score is the first step toward improving it. Here are the key components that determine your FICO score:

  1. Payment history (35%): Your payment history is the most influential factor in calculating your FICO score. It includes your track record of paying bills, loans, and other debts on time. Late payments, defaults, bankruptcies, and other negative financial events can significantly lower your score.
  2. Utilization ratio (30%): Your utilization ratio measures how much of your available credit you are using at any given time. It is recommended to keep this ratio below 30% to show that you are not overly reliant on borrowing money, which lenders favor.
  3. Length of time you’ve had accounts (15%): A longer credit history provides more data for lenders to assess your financial behavior and reliability. This factor considers the age of your oldest account, the age of your newest account, and the average age of all your accounts.
  4. Types of accounts (10%): Having a mix of different types of accounts, such as cards, auto loans, and personal loans, can positively affect your rating. It shows that you can manage various types of borrowing responsibly.
  5. New inquiries (10%): Opening several new accounts in a short period can be seen as risky by lenders and can temporarily lower your score. This includes the number of recent inquiries into your credit report as frequent checks can imply financial instability.

Each of these factors combines to form a comprehensive picture of your financial responsibility and creditworthiness. By focusing on these areas, you can work towards improving your FICO score. A better rating will increase your ability to secure loans and cards under favorable terms.

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How to improve your 579 Credit Score

Raising your rating isn’t that hard. It means establishing responsible financial habits – namely a positive payment history and low utilization. Here are a few easy actions you may do to raise your 579 credit score:

Check your credit reports to understand your scores

Check your reports often to find out where you stand. You can get a free report from each main credit bureaus once a year via AnnualCreditReport.com.

Review your reports. Look for any inaccurate negative marks. If you find any, dispute them with the issuing bureau. Getting negative marks off your report can give an immediate boost to your rating.

Then pinpoint what’s dragging your score down. Do you have a lot of missed payments? Are there a lot of hard inquiries in a short period? Is your utilization rate too high? Now that you know what you’re doing wrong you can take steps to correct it.

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On-time payments by credit score range

Score rangeAverage percentage of on-time payments
750-85099.5%
700-74996.7%
640-69993.1%
300-63946%
Data from Credit Karma

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As you can see from the chart, there’s a positive correlation between higher scores and timely payments. Always pay all your bills on schedule. Set up autopay or reminders so that you never miss a due date. A positive payment history is the best thing you can do for your rating.

Keep your balances low

Your credit utilization rate should be below 30% of your limit. Less than that is even better.

On time payments will help you keep your balances low and your utilization rate in the ideal range. You can also make payments throughout the month to maintain a low usage rate.

Steady does it

Lenders don’t like change. They prefer things to be predictable. So think twice before you close an account or apply for a new card or loan.

Each time you submit an application, the financial institution will conduct a hard inquiry. This will temporarily lower your score by a few points. One hard inquiry isn’t a problem; your rating will bounce back within a few months to a year. Multiple hard inquiries can do damage to your score. Wait at least six months between card applications.

The same rational applies to closing old accounts. Lenders also like a lot of data to look at. If you close an account, they lose that data and you get a shorter credit history. Keep your accounts open and active unless the card has a lot of fees and is to expensive. Then it’s better to close it.

Concerned that your score can’t be repaired?

Explore the ways credit repair companies can help.

Bottom line

Getting approved for an unsecured card or loan may be difficult but possible with a 579 credit score. The most practical and cost-saving thing you can do is raise your rating. Do this by practicing good money habits like paying your bills on time, paying off debt, maintaining a low utilization rate, and keeping an eye out for mistakes on your reports.

Furthermore, look into a secured card or credit builder loan to help establish or repair your score. These loans can be a good tool to raise your rating and save money at the same time. Remember that sound money management is essential to your financial well-being, regardless of your score.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.           Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.           Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.
3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.
4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC
6. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
7. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.
8. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.
9. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
10. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.
11. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.
12. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.
13. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
14. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
15. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
16. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
17. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
18. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
19. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
20. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
21. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
22. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
23. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
24. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
25. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
26. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
27. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
28. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
29. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
30. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
31. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
32. Tipping or not tipping has no impact on your eligibility for SpotMe®.
33. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
34. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
35. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
36. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.
37. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.
38. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
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About the author

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

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