1
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.
850 University
Credit Foundations
The foundation for understanding credit. Learn what credit really is, how scores work, and why your reports matter.
2
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.
3
The 3 Bureaus and Why They Do Not Match
Learn who the three credit bureaus are, why your three reports rarely match, and how to tell a normal difference from a real error.
Next steps — guides & tools
FAQ
Is Credit Foundations free on 850 University?
Yes — 10 of 10 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 Credit Foundations?
This course includes 10 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.