850 University
Free Credit Education, Taught in Minutes a Day
203 short video courses across 24 categories — from reading your first credit report to dispute strategy, business credit, and your legal rights. Every course ends with a quiz; finish a category to earn a certificate.
The foundation for understanding credit. Learn what credit really is, how scores work, and why your reports matter.
Credit Is Not Just a Score
Learn the difference between credit, your credit report, and your credit score, and why lenders read the whole file, not just the number.
Credit Report vs Credit Score
Learn how your credit report and credit score differ, where to get each, and why errors are fixed on the report, not the score.
Frequently Asked Questions
Is 850 University free?
Most 850 University courses are free with an 850ai account (no credit card required). Some advanced courses are marked Premium and are included with paid 850ai plans.
What topics does 850 University cover?
Credit foundations, reading your credit report, DIY credit repair, dispute strategies, negative items, credit building, business credit, financial strategies, advanced techniques, your legal rights under the FCRA and FDCPA — and even credit basics for kids.
How long are the courses?
Courses are short-form video lessons, typically 3-10 minutes each, followed by a quiz. Passing quizzes earns XP, streaks, badges, and category certificates.
Do I get a certificate?
Yes — completing all courses in a category earns a category certificate, and progress tracking (XP, streaks, badges) is built into your 850ai account.
Start learning — and fixing — today
850 University is built into 850ai: learn how credit works while the AI analyzes your report, finds errors, and generates your dispute letters.
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