In an attempt to reverse this trend, bCestas/b Populares, the fund's latest program named after the Spanish word for baskets, helps Mission Latinos establish credit histories or improve credit scores by at least 50 points. ... By altering her spending habits and achieving lower interest rates, Ramos hopes to save money for a family bvacation/b, and eventually open her own business. ?I'm frustrated by my bad credit,? said Ramos, a mother of two. ?I used to use [high-interest] ...