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Want to buy a house? Finance a car? Get a credit card? Start a business? That three-digit number called your credit score can make a BIG difference. But what happens when your credit isn't where you want it to be? Where do you even begin if you don't understand what's on your credit report—or how the credit system works? That was the conversation on Episode 7 of Fierce & Fearless with Scoop Nemeth, when I sat down with Marlena Rose Vigil of Cariñosa Financial Education/Soluti