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Knowing how to access, understand, and manage your credit score and credit report is a key step in buying a home. Just as some people are afraid to visit a doctor for fear that they will discover that something is physically wrong, so too some people are afraid to check their important credit histories because they may find that their records are not as pristine as they would like and there is something wrong fiscally. According to a new study from WalletHub, a popular personal finance website, some 36 million American adults — a sum that exceeds the combined population…