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In this tutorial, Will Roundtree, a FICO certified credit specialist and author of "Credit is King" and "The They Don't Tell You About," discusses financial literacy and the significance of understanding credit. He emphasizes the need to grasp banking secrets, specifically focusing on bank underwriting practices that can help improve the chances of credit application approval. Roundtree highlights the importance of being informed about these often-hidden details that bankers may not disclose, ultimately aiming to empower individuals to better navigate their financial journeys.