I can't speak for all states, but NJ residents are entitled to free credit reports (I don't know if there's a limit on number per year or anything) as of September. Also, if you try to get a product that requires they do a credit check on you, you also get a copy of that check, at least if you're rejected. I tried to get a Dell PC earlier this year, and was rejected...because I don't have any credit. But it got me a free credit report, anyway. :/