If you live in a western state, you may, as of today, go to www.annualcreditreport.com to try to examine your credit report at any of the three major credit reporting agencies. So far, Experian’s server failed (the NSAPI plugin says "No backend server available for connection"), and both Transunion and Equifax have been "unable" to show me my report on the web. Less than wholly satisfying. I’d be interested in hearing other folks’ experiences.