The Wells Fargo Secured Card has a few restrictions on eligibility. If you have declared bankruptcy within the past 12 months or have any unsettled liens, you won’t qualify. Interestingly, you only need to be 18 to qualify unless you live in Alabama (where you have to be 19) or in Mississippi or Puerto Rico (where you have to be 21).

Good news for those resolving to keep a close eye on their credit history in 2015: There’s no need to pay a dime to do so. It’s never been easier for consumers to get a hold of their credit scores or credit reports for free. Major credit card issuers, including Discover and Capital One, offer cardholders a monthly look at their three-digit scores, which are used by lenders to gauge your financial health.

Millions more people will have free access to their FICO credit score this year. That’s good news for consumers, since the number is widely used by lenders to check potential borrowers’ financial health.

A credit bureau gathers information about how consumers use credit. In other words, they collect information from as many consumer financial transactions or inquiries as they can. They then sell access to that combined information to anyone who has a legally-recognized reason (permissible purpose).

According to Experian.com, an unpaid tax lien will most definitely affect your credit score negatively. How much, however, varies since Experian notes that it depends on an individual’s overall track record of paying bills on time. The important thing is to find ways to get the IRS lien paid before considering options you have that can remove a current or old and paid lien from your credit score.