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Take Control of Your Credit

Pull your reports, find what's hurting you, gather evidence and run your own disputes step by step.

13 video lessonsTake quizzes in 850ai
1

How to Pull All Three Reports for Free

Learn how to pull your free reports from all three bureaus on the official site, save dated copies, and read each report in the same order.

3 min6-question quizStudy guide
2

Revolving Accounts vs. Installment Loans

Learn how to read revolving accounts and installment loans on your report, why card balances drive utilization, and how cost can guide which debt to pay first.

3 min6-question quizStudy guide
3

How to Find What's Actually Hurting Your Credit

Learn how to triage your credit report: read key factors, sort items into five bins, separate errors from accurate items, and rank what to work on first.

Next steps — guides & tools

Negative Items

Rebuild and Strengthen Your Credit

Business Credit

Remove collections & dispute bureaus

How to Dispute Credit Report Errors

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FAQ

Is Take Control of Your Credit free on 850 University?

Yes — 13 of 13 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 Take Control of Your Credit?

This course includes 13 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.

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3 min
6-question quiz
Study guide
4

What Are Data Furnishers

Learn what data furnishers are, how they send your information to the bureaus, what the law expects of them, and why disputing at the source matters.

3 min6-question quizStudy guideWatch on YouTube
5

What Are Your Rights

Learn the main rights the Fair Credit Reporting Act gives you over your reports, from free copies and disputes to freezes, fraud alerts, and time limits.

4 min6-question quizStudy guideWatch on YouTube
6

What Is Considered Evidence

Learn what counts as evidence for a credit dispute, why relevance beats volume, and how to organize proof so the right line gets seen.

3 min6-question quizStudy guideWatch on YouTube
7

What Accounts Not to Dispute

Learn why disputing accurate accounts can backfire, how to sort your accounts into three piles, and the three questions to answer before you send a dispute.

3 min6-question quizStudy guideWatch on YouTube
8

DIY Credit Repair Basics

Learn what the law requires of credit repair companies and how to run the dispute loop yourself: pull, list, prove, write, mail, track, and follow up.

3 min6-question quizStudy guide
9

What a Dispute Response Actually Means

Learn what verified, updated, deleted, frivolous, and stall-letter results mean on a dispute response, and which next step fits each one.

3 min6-question quizStudy guide
10

To Opt Out or Not to Opt Out

Learn how prescreened credit offers work, what pre-approved really means, and how to opt out, or back in, with the official site.

3 min6-question quizStudy guideWatch on YouTube
11

When Legal Help May Be Necessary

Learn the five signs a credit problem may need legal help, why court papers can't be ignored, and why cost may not be the barrier people expect.

3 min6-question quizStudy guide
12

Build Your Personal Credit Action Map

Learn how to turn three credit reports into a one-page action map with four buckets, a priority order, and a simple review timeline.

3 min6-question quizStudy guide
13

Straight Answers: 10 Questions Every Credit Client Asks

Straight answers to common credit client questions: timing, score promises, disputing on your own, dispute methods, stall letters, and student loans.

6 min6-question quizStudy guide
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