1
The Credit Report Roadmap
Understand the key sections of your credit report. Identify what impacts your credit score.
850 University
Understanding Your Credit Report
Read your credit report like a pro — every section, line by line, across all three bureaus.
2
Personal Information Section: Small Details That Can Reveal Big Credit Problems
How personal info impacts your credit health. Identifying clues to potential identity theft.
3
Open Accounts: What They Really Say About You
Understanding the impact of open accounts. Identifying positive and negative account statuses.
4
Closed Accounts: Why Closed Does Not Mean Gone
How closed accounts impact your credit score. Understanding the difference between closed accounts.
5
Payment History Grid
How to read your payment history grid. Understanding key payment markers and their meanings.
6
Balances, Limits, and Utilization
Unlock the secrets of credit utilization. Discover how balances impact your score.
7
Collections, Understanding Collection Accounts on Credit Reports
Identify key details on collection accounts. Understand the difference between paid and unpaid collections.
8
Charge-Offs, What They Really Mean on Credit Reports
Understand what charge-offs really mean. Learn how charge-offs impact your credit score.
9
Inquiries, Who Looked at Your Credit and Why
Identify hard and soft credit inquiries. Understand why companies check your credit.
10
Remarks, Dispute Comments, and Special Codes
How remarks shape lender perceptions of your accounts. Understanding the impact of dispute comments.
11
Public Records and Specialty Reports
Understand specialty reports beyond credit scores. Identify hidden factors affecting financial approvals.
12
Comparing All 3 Bureaus
How to spot inconsistencies across bureaus. Identifying missing positive accounts quickly.
Next steps — guides & tools
FAQ
Is Understanding Your Credit Report free on 850 University?
Yes — 12 of 12 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 Understanding Your Credit Report?
This course includes 12 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.