I signed up with freecreditreport.com last summer when I was going through the divorce. It's been pretty darn useful for me, that's for sure. I've gotten to watch in "real time" my credit score dropping like a bungee jumper w/ no bungee, thanks to the ex's inability to pay her freaking car payment for 3 months, and a joint credit card account for 6 months... Woohooo!!! [enter sarcasm here]

But, the point is, I've been able to contest a few things successfully, so that's helped, and it's definately nice to be able to have evidence for court when you need it... Yeah, it's about $15 a month after the first month, and if you want all 3 company's reports, it's $40 a month, I think. The good thing, though, is you can get Experian's report at any time, as many times as you want in a month. Plus, their detailed report also lets you see what companies are being reported as checking your report, as well as what companies have checked it that don't get reported to others (anytime you check it yourself, it does NOT get reported to others, so you aren't lowering your score just by looking at it).

I'm pretty happy with it.