Is 458 a bad score???
Vijay you should be concerned if your credit score is 458.
A credit score of 458 is not good. It falls on the lower side. Financial institutions see it as a sign that you are just beginning your credit journey.
Maybe you have not used a loan or credit card yet, or you have made too many enquiries without actually borrowing. Lenders do not feel comfortable with that. Hence, chances are your applications for loans or cards will not go through at this score.
But here is the thing: you can turn this around. I would suggest starting small.
Avoid making too many applications at once, because it shows you as hungry for credit. Focus on building a steady income and give your profile some time to mature. If you have any pending loans, clear them off as soon as possible.
I always suggest that you check their score every few months. If you stay disciplined, you will see that number climb steadily.