1
The 30% Rule vs. the 10% Strategy
Why 30% utilization is a ceiling, not a goal, and how the 10% strategy uses your statement date to control what reports.
3 min6-question quizStudy guide
850 University
Rebuild and Strengthen Your Credit
Utilization, authorized users, limits, applying wisely and building a clean approval runway.
2
When Being an Authorized User Helps or Hurts
How an authorized user account reports on your file, when it can help a thin file, when it can hurt, and what to do about it.
3 min6-question quizStudy guide
3
How to Preserve Old Positive Accounts
Why old positive accounts matter, how cards get closed for inactivity, and simple habits that keep them open and in good standing.
3 min
Next steps — guides & tools
FAQ
Is Rebuild and Strengthen Your Credit free on 850 University?
Yes — 10 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 Rebuild and Strengthen Your Credit?
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.