Here's a link to a free annual credit report from each of three agencies: Experian, Equifax, TransUnion:
Report availability (posted on the site with rollover data indicating states that comprise each group):
Western States - December 1, 2004
Midwest States - March 1, 2005
Southern States - June 1, 2005
Eastern States and all U.S. Territories - September 1, 2005
I got one from Experian and will go look at the other two later. I noticed some accounts that I want to close.