how do you check your own credit history? and what is a lien?

 

lien: The right to take and hold or sell the property of a debtor as security or payment for a debt or duty.



There are plenty of online websites that you can check your credit score on. Just don't check your score too much, or it will affect your overall score.

 

http://www.equifax.com/

lien- A legal claim upon real or personal property as security for or payment of a debt.

 

you call a credit report agency. Expedian (sp?) and TRW and one more company i forgot the name of, are the three main ones.

 

wilma got the third one already

 

I know i have good credit. just wanna see what it looks like. i've always paid bills on time. once in awhile I forget to make payments, but no more than a few days late. I don't think that count against you.

 

Any late payments count against you and stay on your record for 10 years, even if "they're only a few days late."

Depending on how many late payments you have, I'd guess your credit score is somwhere in the range of 670 to 690.

 

How does credit score work? I try to stay away from cc's until the end of college.

 

Get a cc MPerson. Just always pay it on time. Start building your credit early. Just don't mess it up like I have. I'm only 20 and I'm already trying to rebuild my credit rating. That's what I get for getting my first card at 16 and also for trusting my parents with using my card and paying it off. I had never had a late payment until I let them start paying it. Then it lapsed three months twice in one year. But yea, get a cc and just buy one thing a month and pay it off on time. You'll be happy you did it when you go to get a loan for a house in ten years.

 

So if i spend about $50 a month on my cc and pay it on time, i get the same credit as if i spent $500 a month and paid it on time?