Yeah, what she said. I did the free credit report from all 3 major sites, and it seemed to work fine. Just don't accept ANY of the additional "services" they will try to press on you. If you negotiate around all of those and just stick with the basic credit report, it works fine.

To my pleased surprise, I found no errors in any of the 3 reports. After all I've heard about the sloppy record keeping at these institutions, I was steeling myself for finding problems.