Annual Free Credit Report
According to Federal Law, you must be able to request a free credit report once a year from the major credit agencies. The companies were required to roll this out in 4 phases. I remember the annoucements, but either I missed the news reports that they were now available in my area, or the stories were not run. (Either are quite plausible.)
For everyone except "the Eastern States and All US Territories", the deadline has passed and you can now get your free credit report from this web site. (The Eastern States et al come online Sept. 1st, 2005.)