how would i know if i owe any money? and to whom?

Question

i had a good credit once,but messed-it up to the point that my account at the time was garnished by citibank, in all fairness i dont know how much or to whom and wants to fix it.

Answer 1

You can see it on your credit report. Once a year, you can get one free credit report from each of the three major credit reporting agencies: Equifax, Experian, and TransUnion. For more information about this go to ww.annualcreditreport.com.
Also checkout http://www.howtoestablishgoodcredit.com/Credit_Articles/index.php
There are lots of articles there, related to your question, which you can find useful

Answer 2

You should get your credit report. You can get one free annually at AnnualCreditReport.com. I would look to see if you have any accounts in poor standing and contact them in regards to any liabilities you have outstanding. If you don't remember having a certain credit card or loan, you might have had your identity stolen.

By going through your credit report each year, you can begin to repair your credit by knowing who you owe money and if there is any mistakes reported.

Answer 3

What you need to do is to get a copy of your credit report. and then go from there.

Answer 4

get a credit report and then call everyone.