Free credit reports

I read two fellow personal finance blogs this morning that discuss credit reports, and I wanted to pass along the info.

Plus6 Personal Finance discusses how to dispute any item on your credit report, including how to obtain a free credit report, how to start the dispute, how to escalate the dispute, and concludes with a friendly reminder to not use a "credit repair clinic."

The Sun's Financial Diary offers information on how to get your free credit report, and also offers some helpful information on credit monitoring services. I have never used such a service - if anyone has and would like to offer an opinion, please leave a comment.