i checked my credit twice last year with freecreditreport.com it was free the first time, but it only showed me my credit report for experian, from what i know of now, you get 1 free from each of the 3 top companies. later in the year i payed to view all 3 reports. am i still able to view my free report from the other 2 companies? without it saying i already got one within the last 12 months even though it was only one company? also does it go by once in a 12 month period or once per year? (meaning anytime in 07 and anytime in 08 whether its a month or 11 months apart). i always see a little link on the top of msn's homepage for annualcreditreport.com, and something about its one of the top places to use so im thinking im going to use that this time. anyone else have some places they use?