From Dan Solove, I can't help but pass along this link to readers. As Dan notes, freecreditreport.com is kinda a skank operation: they sell a product that is the exact opposite of what they really provide. This YouTube spoof beautifully captures this fakery. But here's the rub: I still kinda like their commercials. (Course, the singer isn't who you see in the ads – that guy is a French-Canadian actor named Eric Violette and Mr. Violette has an accent quite unlike the one you hear on the ads.)
The FTC has a discussion of the way to get a really free credit report here:
http://www.ftc.gov/freereports