If you are looking to start off 2008 with a look at your credit score (which is a good idea), please be careful who you go through. Definitely avoid all those "free" credit report offerings. They are contingent on a bunch of other services that more than make up for the "free" part of the equation (and some may even be scams). The one place you can be sure is safe and completely free is annualcreditreport.com. By law, the government grants you one free credit report every 12 months, and this is the one official site that ties into that. Additionally, if you would like to monitor your credit on a more ongoing basis, check out myFICO. They have a couple of different packages and price-points.