Having bad credit can be a deterrent in many areas of your life, including your ability to purchase a home. If you suffer from bad credit it is important that you address the issue as soon as possible. Planning a budget is one of the best things you can do for resolving bad credit. It will help you rearrange your spending priorities. If you need to setup payment reminders in order to pay certain bills, then be sure to do so as well. Paying a bill on time is a big factor in repairing your credit. Some online banking portals offer an email reminder that will be sent to you to when a payment is due. Click here for more tips on how to repair bad credit.