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850 Boost Club
Credit consulting. Software. Education.
It's not rocket science.
One family for people who want better credit — and the professionals who help them get there. Done-for-you consulting, the my850.ai platform, agency portals on id850.com, 3-bureau reports, and 850 University.
The 850 family
Agency software & branded portals
my850.ai
Consumer credit software
850creditcheck.com
3-bureau credit reports
850University
Credit & finance education
Done-for-you strategy, disputes, and funding guidance for consumers — and white-label programs for agencies on id850.com.
my850.ai runs monitoring, letters, and automations. id850.com gives agencies a branded portal. 850CreditCheck supplies the 3-bureau file.
850 University is live — free courses on credit, funding, homes, vehicles, and business credit, with quizzes and certificates.
For consumers
Consulting when you want a team. Software when you want to run it yourself. University when you want to learn.
For partners & pros
id850.com gives you a branded portal. my850.ai is the engine. Your clients stay yours.
Everything 850 Boost Club Delivers
Eight AI-powered services led by 850 AI Chat—your intelligent assistant that monitors, builds, removes, funds, plans, automates, and protects your credit journey.
850 AI Chat Assistant
Your 24/7 AI credit expert. Ask questions, generate disputes, get insights, and take action through conversational chat.
- Natural language credit guidance anytime
- Instant answers to complex credit questions
Monitor & Forecast
Live 3-bureau monitoring, intelligent score predictions, and automated alerts every time a change impacts your profile.
- AI score simulator with "what-if" modeling
- Risk & opportunity alerts pushed to your inbox
Build & Boost
Launch credit builder accounts, guided utilization strategies, and tradeline recommendations that fit your budget.
- Instant approval builder partners & payment plans
- Automated reminders to keep utilization optimized
Remove & Repair
AI-crafted Metro 2 disputes, custom letters, and automated mail/email/fax outreach across bureaus and furnishers.
- Unlimited dispute strategies with legal citations
- Track delivery status, responses, and deletions
Fund & Approve
Precise bank and lender playbooks—know who pulls which bureau, what qualifies, and which order to apply.
- Funding guide by profile, segment, and goal
- Pre-qualification scripts and follow-up sequences
Plan & Budget
Cashflow planning, automated budgeting, and goal-based coaching that adapts as your income and debts change.
- AI-driven payoff timelines for each account
- Shared dashboards for families and client teams
Automate Outreach
Send compliant mail, email, fax, SMS, and portal uploads—triggered by AI when accounts need action.
- Track every touch with time-stamped proof
- Template library for consumer & enterprise teams
Protect & Escalate
File complaints with the CFPB, FTC, FCC, state attorneys general, and furnishers—without lifting a pen.
- Auto-fill government forms with account evidence
- Track deadlines and follow-up reminders for responses
Government Complaint Accelerator
Escalate stubborn accounts with AI-prepared complaints that compile documentation, cite regulations, and submit to CFPB, FTC, FCC, and Attorneys General in a single workflow.
- Auto-packages dispute history, mail receipts, and identity docs
- Generates talking points for regulator callbacks
- Tracks response clocks with automated nudges
Reply to Any Letter with a Photo
Upload bureau or creditor responses and let 850 AI analyze the document, determine intent, and produce ready-to-send follow-up letters with appropriate tone and legal strategy.
- Understands settlement offers, stall letters, and verifications
- Suggests response tone (assertive, cordial, demanding)
- One-click mail, email, or fax with proof tracking
Education & insider tools
850 University is live. Resource lists and funding playbooks sit beside it.
850 University
Free credit and finance classes — courses, quizzes, and certificates.
- Expert-led courses on credit mastery
- Advanced finance concepts simplified
- Certification upon completion
850 Resource List
Access our exclusive database of 1000+ insider resources that traditional companies don't want you to know.
- Secret phone numbers & fax lines
- Direct contacts & insider emails
- Hidden bureau data points
The Funding Guide
Never waste another hard inquiry. Know exactly which banks to apply with based on your actual credit profile.
- Which banks pull which bureaus
- What qualifies & disqualifies you
- Save hours & avoid disappointment
How It Works In 4 Simple Steps
Your path to better credit has never been clearer.
Sign Up
Choose your plan and start your free trial in seconds. No credit card required.
Connect
Securely connect your credit monitoring service. Our AI analyzes everything in minutes.
Boost
Our AI gets to work, generating and sending effective disputes on your behalf.
Track
Watch your score climb with real-time alerts and monthly progress reports.
Real People, Real Results
These are actual screenshots from our members' dashboards
Frequently Asked Questions
What can 850 AI help me with?
850 AI is your personal credit expert. It analyzes your credit, generates dispute letters, predicts score changes, provides vehicle/home valuations, calculates payments, offers bank program insights, and tracks your budget—all through conversational chat.
How quickly will I see results?
Most members see their first deletions or score improvements within 30-60 days. Significant changes typically occur within 3-4 months with consistent use of 850 AI Pro.
Do you offer B2B services for credit businesses?
Yes! We provide enterprise solutions including white-label platforms, CRM systems, advanced toolsets, and powerful analytics for credit companies, lenders, dealers, and retailers. Contact us for details.
Enterprise B2B Services
Powerful solutions for credit repair businesses, lenders, dealers, and retailers. Scale your operations with 850 AI.
Complete Platform & CRM
White-label platform with built-in CRM for managing clients, tracking progress, and automating workflows. Everything you need to run a professional credit business at scale.
Advanced Toolset
Industry-leading tools for credit analysis, dispute automation, client onboarding, document management, and comprehensive reporting. Built by experts for professionals.
Powerful Insights
AI-powered analytics for dealers, retailers, and lenders. Predict approval odds, optimize applications, identify opportunities, and maximize conversion rates with data-driven insights.
Interested in enterprise solutions? Our B2B services are customized for your business needs.
Contact Us for B2B ServicesReady to Transform Your Credit?
Join thousands who've already taken control of their financial future