CREDIT SCORES ARE USED FOR SO MANY TRANSACTION.

LOW CREDIT SCORE CAN STAND IN THE WAY OF YOUR HOPES AND DREAMS LIKE BUYING A HOUSE, OR A NEW CAR.

EVEN GETTING A NEW JOB.

AND THIS MORNING, AVERY COTTON HAS CONSUMER REPORT TIPS ON,000 TO REPAIR YOUR CREDIT SCORE IF IT'S IN THE DUMPS.

♪ IF WE HAVE THIS AND DON'T HAVE TRUST.

Reporter: DIALECT IS A RAP ARTIST AND EDUCATOR.

IN 2011 HE SETTLED DOWN ANDBOUGHT A HOW HOUSE WITH HIS PARTNER PAMELA BUT A CREDIT SCORE HE HADN'T CHECKED HAUNTED HIM.

I HAD ANY REASON TO THINK IT WAS BAD.

HE CHECKED THE SCORE AND SAW IT WAS IN THE 500s.

Reporter: WHEN THE BANK REFUSED TO GIVE HIM A MORTGAGE BECAUSE OF THE LOW SCORE, DIALECT BEGAN TO REPAIR HIS CREDIT WHICH HAD BEEN DAMAGED BY A STUDENT LOAN THAT WAS IN HIS COLLECTIONS.

DEPENDING ON THE REASONS FOR A LOW CREDIT SCORE IT CAN TAKE MONTHS OR YEARS TO RAISE THE LOWSCORE TO GOOD SCORE SAY 700.

IT TAKES DISCIPLINE.

Reporter: ONE OF THE MOST IMPORTANT THINGS TO DO IS TO PAY ALL YOUR BILLS ON TIME.

THAT ACCOUNTS FOR ABOUT 35% OF THE YOUR FICO SCORE THE MOST COMMON CREDIT SCORING SYSTEM.

IF YOU HAVE CREDIT CARDS, TRY TOKEEP THE BALANCE TO NO MORE THAN 10% OF THE AVAILABLE CREDIT.

ANYTHING MORE COULD SHOW ELEVATED CREDIT RISK.

ANOTHER TIP IS CONSIDER TAKING OUT A PERSONAL LOAN TO PAY YOUR CREDIT CARD DEBT HAVING A GREATER VARIETY OF CREDIT TYPES MIGHT HELP YOUR CREDIT SCORE.

PLUS, YOU MAY GET A LOWER RATE OF INTEREST WITH THE LOAN.

Reporter: IF YOU CAN'T GET A TRADITIONAL CREDIT CARD BECAUSE OF THE CREDIT HISTORY THAT'S THE CASE FOR DIALECT, GO TORE SECURED CREDIT CARD THAT REQUIRES A DEPOSIT TO PROTECT THE ISSUER.