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Prepare for Major Approvals

Why good scores still get denied: DTI, red flags, reconsideration, balance transfers and car deals.

10 video lessonsYouTube playlist Take quizzes in 850ai
1

Credit Score vs. Approval Odds

Premium

Why approval odds tools and scores don't decide a loan, and how overlays, income, recent behavior, and collateral shape the answer.

3 min6-question quizStudy guideWatch on YouTube
2

Why You Can Have a Good Score and Still Get Denied

Why a good score can still lead to a denial: thin files, debt-to-income, credit velocity, lender rules, and how to read the denial notice.

3 min6-question quizStudy guide

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FAQ

Is Prepare for Major Approvals free on 850 University?

Yes — 9 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 Prepare for Major Approvals?

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.

Connect My Report — AI Credit RepairWatch full playlist

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3

Understanding Debt-to-Income

Learn how lenders calculate debt-to-income, which monthly payments count, and which moves can actually lower the ratio before a big application.

3 min6-question quizStudy guideWatch on YouTube
4

Credit Card Red Flags Lenders Notice

Learn five credit card patterns underwriters tend to notice, why lenders read the whole report and not just the score, and calmer habits to build instead.

3 min6-question quizStudy guideWatch on YouTube
5

After a Decline: Reconsideration and Low Limits

Learn what a decline notice tells you, when a reconsideration call makes sense, when to wait instead, and how to build from a low starting limit.

3 min6-question quizStudy guideWatch on YouTube
6

Balance Transfers: When They Help

Learn how balance transfers work, what the fee and promo end date really cost, and when a transfer tends to help instead of just moving debt around.

3 min6-question quizStudy guideWatch on YouTube
7

When to Close an Account

Learn what closing a credit card changes, how to handle fee, joint, and tempting cards, and how to time closures around a mortgage or car loan.

3 min6-question quizStudy guideWatch on YouTube
8

Loan-to-Value on Vehicle Purchases

Learn how loan-to-value is calculated on a vehicle, why lenders care about it, what quietly pushes it up, and the levers that can bring it down.

3 min6-question quizStudy guide
9

Negative Equity: The Hidden Cost of Trading a Car

Learn what negative equity is, what rolling it into a new car loan really costs, and the other options when you owe more than your car is worth.

3 min6-question quizStudy guide
10

How to Trade a Car the Right Way

Learn the numbers to know before trading in a car, why shopping by monthly payment hides the real cost, and how to split the deal into three parts.

4 min6-question quizStudy guideWatch on YouTube
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