I really suggest getting an account from Credit Karma, it's 100% free and you can get free monthly Fico scores. Their credit score analyzer will tell you why you place where you do, show you how things, affect your credit score, and also show you where you place compared to others. I've been using it for over a year and think it's great for what it is.
As with anything financial related, use a strong password that you don't use anywhere else.
Free Credit Score & Credit Report Card. No Credit Card Needed
Consumerist has talked about them in the past and provided this useful review of their Credit Report Card service.
http://consumerist.com/2009/06/take-...port-card.html
Oh and Consumerist is owned by Consumer Reports...