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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bad credit: lack of confidence in a purchaser's ability and intention to pay, displayed by entrusting the buyer with goods or services without immediate payment.
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If you want to improve your poor credit, you can start at any time. But you must start.
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