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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
Identify what makes an item negative and what hurts your credit the most.
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.
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.
Learn what a collection account is, your basic rights with collectors, why paying doesn't erase a collection, and how the reporting clock works.
Learn what a charge-off really means, what happens when the debt is sold, how paid and settled differ, and how long a charge-off can report.
Learn how a repossession works, why a voluntary surrender still reports, how a deficiency balance is figured, and which numbers to check.
Learn how mortgage trouble shows up step by step, what foreclosure means on a report, the common options to ask a servicer about, and what to check.
Learn the two common types of bankruptcy, how long each can report, how included accounts should look, and how to check them against your court papers.
Learn why medical bills need extra care, what the bureaus changed about reporting medical debt, and how to check the bill, the insurance, and your report.
Learn why one student loan can show as many accounts, how servicer transfers should report, and how to spot a balance counted twice.
Learn where rental problems show up, how a tenant screening report differs from a credit report, what a rental collection is, and how to protect yourself at move-out.
Learn how utility, phone, internet, and subscription bills can reach your credit report through collections, the final-bill trap, and what proof to keep.
Learn what paid in full, settled, and unpaid mean on a negative account, how lenders may read each, the tax side of settling, and how to check your report after.
Learn how negative items age on a credit report, why the date of first delinquency sets the clock, and how the reporting period differs from the statute of limitations.
Learn how one sold debt can show up several times on a report, how to spot a duplicate, and how to dispute only what is actually inaccurate.
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.
Learn the strategy here, then let 850ai analyze your credit report and generate dispute letters tailored to your accounts.