Check with your bank. I know you said you weren't interested in any 30-day trial things, but I got an offer from my bank itself that they'd give you a free credit report if you signed up for a 30-day trial of their overdraft program. I got the report (they already have all the information, so I didn't have to give anything out) and cancelled the overdraft protection.

I'm glad I did. My credit was actually better than I suspected (a nice suprise ) but I didn't realize that I was listed on my parents credit card for my wedding, which was bringing down my rating quite a bit. Now I know to have myself removed after the wedding to improve it even more!