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hi this is Brad with Krita cents this week were going to talk about the credit application process this has been intimidating for some people in the past but just know that its really pretty simple and all you need to worry about is making sure you get your FICO score where it needs to be with our 800 Club and then you wont have to worry about going in and being denied any type of credit but lets look at how it works you go into a bank and you begin your credit application process you can actually be using each bank or lenders individual applications and theyre going to have some differences but most of them are going to be pretty standard and its going to the same information as you go down the line and as you complete that process once you get going youre going to notice that as you input your information the bank or your lender is going to take that information and theyre going to send that information over to the credit bureaus now the credit bureaus have all of your data