Last week, we covered some basic strategies to improve your credit standing fast: Piggybacking, disputing items on your credit report, and rapid rescoring. Let’s kick off the holiday season with four more ways to get your credit rating in tip-top shape, and keep it there.

Use Automated Payments

Everyone forgets a owed amount from time to time so don’t worry this is a common occurrence and there are ways around it. Unfortunately, skipping payments and missing payment deadlines can really whittle away your good credit standing turning it eventually to bad credit. To avoid misplacing your bills, use electronic billing whenever possible. This is a program that will automatically make the payments for you so you don’t have to worry about missing them. To make the most of this service, set up automated bill payments so that you never have to worry about late payments again.

Summarize Your Extenuating Circumstances

If you’ve got negative items on your credit report that resulted from an illness, job loss, or other hardship, you can attach a note (100 words or less) that tells lending institutions why you didn’t get your payments. This note can mean the difference between acceptance and rejection, especially if your credit history shows that you started paying again when your circumstances improved.

Pay Down Your Debt

If your available credit is nearly maxed out, you need to work fast to reduce your debt. lending institutions want to see that you can maintain a healthy debt-to-credit ratio. If you continue to make charges on credit card accounts that are near their limit, you will only hurt your chances of getting a loan. Instead, make monthly or twice-monthly payments until your debt is reduced. Experts recommend starting with the card that’s closest to being maxed out. Your credit rating depends on the ratio of each individual credit card account, not all of your cards as a whole, so having even one card close to its limit can significantly lower your score.

Open Different Types of Accounts

There are two basic types of credit: revolving credit, such as charge card accounts; and installment credit, such as mortgages and car loans. You will help your credit worthiness by having a blend of each on your credit report. If you’ve never had installment credit before, it could be worth your while to take out a small personal loan and repay it in monthly increments. Just be mindful of your credit before you proceed. If you have a heavy debt load, opening new accounts can actually harm your score. But if you need the diversity, the benefit you gain from having a mix of credit types will probably outweigh the bruise that comes with opening a new account.

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Renting a limo is a great experience, but there are many unreliable limo companies that you have to be aware of. There are many bad stories you can hear from clients of limo companies that really spoil the reputation of professional limo service providers. So, here are things you should know to make sure you get the best limo service.

It is very important to book your limo in advance. This ways you will be able to avoid frustration and make sure you have the right vehicle for the occasion. There are many holidays that are popular for a lot of travelling. And one of the biggest travel holidays of the year is Thanksgiving and if you don’t book your limo at least two weeks in advance, you will not have limo service for the day. Another big event of the year you want to book limo in advance is the New Year’s Eve. There are many websites of reliable limo services out there and you can easily check them out. Always pay for the limo service with a credit card. This lets the limo service providers know that you are going to show up. If you decide to cancel your reservation before a certain time prior to the date of the event, your credit card will not be charged. But if you don’t show up or cancel it the last minute, you will have to pay the full price.

Always make sure you have the limo company’s contact number. During the holiday season people travel a lot, airports are packed, some people get lost there, others are struggling with traffic and the limo companies are overbooked. So, many times the contact number of the limo company can prevent many problems and delays from happening. If you know that your flight is going to be late, make sure you inform your limo company about that. All reputable limo service providers will make sure you will get your ride even if your plane is really late. You should also inform your limo company, if you get on a different flight. The same thing concerns your flight coming early. When you land, always check your voicemail for messages from your limo company. If your plane is really early, you might have to wait for the limo, but at least you will get it. The main thing to remember is the more information you give to your limo company, the better your limo experience will be.

And make sure you always tip your chauffeur, because most limo drivers work mostly for tips. Usually the tip is 20% of the limo fare for a good service. Tipping your chauffeur, you will show your respect and appreciation to the driver, who carried and loaded your luggage, cleaned the car and drove safely.

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