If you're regularly giving up 5 goals a game you probably suck at defending and there are fundamental mistakes that you are making. Things like rushing out a cb in an obvious one-two situation will get you killed against anybody who is somewhat competent

Also, make sure you know the mechanics. This year you want to use jockey and the jockey / sprint combo a lot when defending.

What's your team? It's also possible you're okay but your team is all wrong. If your cbs are Maguire and Lovren I can probably tell you what you're doing wrong.

181-36-188 isn't that bad if it's mostly DR games. This game is designed to keep you around .500 since you're playing people at or around your skill level.