1
What Makes an Item Negative
Identify what makes an item negative. Understand the impact of negative items.
850 University
Negative Items
Identify what makes an item negative and what hurts your credit the most.
2
Late Payments: How One Missed Payment Can Change Your Credit Story
How late payments impact your credit score. Understanding the stages of late payment reporting.
3
Collections: What It Really Means When a Debt Goes to a Collector
Understanding debt collections and their implications. Identifying sources of collections on your report.
4
Charge-Offs: What They Really Mean
Understanding what a charge-off really means. Recognizing how charge-offs impact your credit score.
5
Repossessions and Deficiency Balances: Why Losing the Car May Not Be the End
Understanding the repossession process and its impact. Identifying the chain of credit problems.
6
Foreclosures and Mortgage Delinquencies: More Than a Score Problem
Understand the impact of foreclosure on credit. Identify mortgage delinquency signs on reports.
7
Bankruptcy: What It Means for Your Credit Story
Understand how bankruptcy impacts multiple accounts. Differentiate between Chapter 7 and Chapter 13.
8
Medical Collections: Why Medical Bills Need Extra Care
Why medical collections are unique and complex. Common reasons medical bills end up in collections.
9
Student Loans: Why One Loan Can Look Like Many Accounts
Understand how student loans report differently. Identify federal vs private loan distinctions.
10
Evictions, Broken Leases, and Rental Collections
Understand how evictions impact your rental future. Differentiate between eviction filings and judgments.
11
Utility, Phone, and Subscription Collections: Small Bills, Big Credit Damage
How small bills can impact your credit score. Understanding the types of collections to watch for.
12
Paid, Settled, and Unpaid Negatives: What They Really Mean
Understand how paid and unpaid items affect credit. Learn the impact of settled collections on approvals.
13
How Negative Items Age Over Time
How negative items impact your credit score. Why recent negatives hurt your approval chances.
14
Duplicate Reporting and Same-Debt Confusion
Identify duplicate debts and their sources. Understand how debts can appear multiple times.
Next steps — guides & tools
FAQ
Is Negative Items free on 850 University?
Yes — 14 of 14 lessons in this course are free with an 850ai account. Watch on YouTube anytime; create a free account to take quizzes and track progress.
How many lessons are in Negative Items?
This course includes 14 short video lessons, each followed by a quiz when you learn inside the 850ai app.
Can I dispute errors on my credit report after this course?
850 University teaches the concepts; 850ai can analyze your credit report and generate dispute letters when you are ready. Start free at my850.ai/landing.
Put this course into action
Learn the strategy here, then let 850ai analyze your credit report and generate dispute letters tailored to your accounts.