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In this tutorial, Brad from Krita Cents discusses the credit application process, emphasizing its simplicity. He encourages viewers to focus on improving their FICO score through the 800 Club to avoid credit denial. Brad explains that when applying for credit at a bank, individuals will use specific applications that may vary slightly between lenders but generally require the same information. As applicants input their details, this information is sent to credit bureaus, which maintain all necessary data. Understanding this process can alleviate the intimidation often associated with applying for credit.