Thank you ASHISH. One more thing to run past you.
About the time of the lag, my CPU fan got so much louder, then about 10 minutes later my PC froze all together with that awful sound it makes. So took the case apart, took my fan off the the CPU was stuck to the thermal paste on the fan. Now I know for fact it was locked in place before I put the fan on as I always check, clicked in, leaver down, not moving. What can cause it get out of that fairly tight lock?! Lag has since gone again, need to make sure my CPU stays in place.