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Experian has me at 680 because of a tax lien that's not mine. It's not my SS#. I have even tried to pay it. My attorney tried to pay it. But since it's not my SS#, it can't be done. It' been on there almost 10 years now. I've heard it drops after 10 years but I've also heard tax liens stay on forever. I guess I'll find out at the end of the year.
My others are in the 760s and besides my house and car, everything else is paid in full so it's never really affected me. More just like a thorn in my side.
I use myfico.com every once in a while but you can get one report free a year - two a year here in GA.
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