I always just pay $40 for a complete report and rating score report from all three agencies. That gives me a bunch of extra info to use if there is anything on there that shouldn't be or that I can change to improve my score. You want to be as close to 800 as possible for the best rates on loans, mortgages, etc.
Plus, one of the agencies, which shall remain nameless *cough*equifax*cough*, keeps adding a middle initial to my name, and I don't have one! It'* frustrating and involves numerous letters, proof of being, etc.
Mike: 1997 SE w/ 183K, aka White Horse
, Gutted Airbox w/K&N, drilled 180* t-stat, tint all around, clear corners w/SilverStars, "PONTIAC" light up tail, PEMs, NGK TR55s