Bad Credit Resource Center

If you mark down when your bills are due, when you need to make payments, and what you need to accomplish to boost your credit score in a visible place you check often, you’re less likely to overlook important appointments and deadlines. 

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If you’re too busy to pay your bills as they arrive, set aside one hour each week for paying your bills and planning your finances.  Have the same place and time set aside each week, so that paying incoming bills and taking care of your finances becomes automatic. 

Make sure that the place you set aside is quiet and contain everything you need - including pens, a calendar, stamps, envelopes, and your payment information.  Making bill paying a routine can reduce the number of non-payments and late payments you make on your bills, and reducing these problems can help improve your credit risk rating.

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If you leave your bills until later, you may forget or end up paying it late.  Some companies may not report you to credit bureaus right away, but others report even one skipped or late payment, which can show up on your credit report and affect your credit rating.

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You can often get great discounts by choosing to get several services from the same company - for example, a package deal from your phone company can give you internet access, long distance phone plans, and cable television - all on one bill and all at a lower costs than if you got the services from multiple companies. 

Consolidating your various insurance policies into one package from one insurance provider can have the same effect.

Reducing the number of bills you get can make it easier for you to pay your bills and so reduces the chances that your credit rating will be affected by non-paid or late paid bills.
 

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If an active lifestyle has you having trouble making your payments timely, consider online or telephone banking.  This simple system is now available from virtually every bank and can help you pay your bills in minutes - at any time of the day or night.  If you travel a lot, online or telephone banking can be  a real life-saver as it will allow you to pay your bills no matter where you are.

Plus, you get instant confirmation of the paid bill and your payment is counted instantly.  You no longer have to worry about payments getting lost in the mail or getting lost in a bureaucratic shuffle - the record of the payment is right on your bank account statement. 

fix bad credit