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 min6-question quizStudy guide
4
How to Get Higher Credit Limits
How credit limits usually go up, what to ask before requesting an increase, and why a higher limit only helps if spending stays the same.
5
How to Apply the Right Way
How to apply for credit the right way: read the denial reason, match the product to your file, prequalify, read the terms, and space applications.
6
How to Negotiate Debt
How to negotiate a debt you owe safely: confirm it, know your number, get the deal in writing, pay in a way you control, and plan for taxes.
7
How to Build a Clean Approval Runway
How to use the months before a big loan to build a clean approval runway: check reports, stay quiet, lower balances, and organize documents.
3 min6-question quizStudy guide
8
PremiumWhat Lenders Need to Say Yes
What lenders look at before saying yes, using the five Cs of credit: character, capacity, capital, collateral, and conditions.
9
What to Do After Your Credit Starts Improving
What to do once your credit improves: lock in fixes, protect fragile gains, sequence new credit, grow, and build a cushion.
3 min6-question quizStudy guide
20
PremiumHow to Make Money with V3 Max
Monetize your credit knowledge
21
How to Smart Blast
Advanced dispute techniques
22
How to Use Smart Reply
Automated response strategies
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.