1
What Makes an Item Negative
Learn what counts as a negative item, how it differs from things that are only unfavorable, how long accurate negatives can report, and when a dispute fits.
850 University
Negative Items
Identify what makes an item negative and what hurts your credit the most.
2
Late Payments: How One Missed Payment Changes the Story
Learn when a late payment usually gets reported, how lates step up from 30 to 120 days, why their weight fades, and what goodwill letters and disputes are for.
3
Collections: What It Means When a Debt Goes to a Collector
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.