If you have been denied for credit any time recently, you are entitled to a free credit report. I just got one last night after getting denied for an alternative loan. Turns out there was a HUGE error on my husband's report (a $5000 collection on there that was WRONG). We then called the people who made the error, they are requesting the credit reports take it off and also faxed us a letter explaining it was an error to show to credit people or financial institutions that may have denied us because of it (duh, ya think?) since it can take up to 90 days to be removed from his credit report.
Anyway, you are also entitled to 1 free report every 12 months, if you go to any of the credit reporting agencies (transunion, equifax, etc) they can direct you to how to get it. Its fairly simple. I am glad I did it (though the one from TransUnion doesn't give you your SCORE..just your report..weird)