I couldn't sleep very well last night, so I thought that I'd check out 'Free Credit Report .com'

I found it - and everything looks fine. I have few open accounts and they are all current _and_ getting smaller

But I was annoyed that I would later have to cancel a monitoring agreement (or pay $12/month). So I checked the major credit reporting agencies and, through TransUnion.com, found an easy way to check up on your debt load.