By September 1, 2005 everyone in the U.S. will be entitled to 3 credit reports per year (that’s one for each of the three major credit reporting companies per year) because of the FACT Act. Residents of half the country can get their reports now at the Annual Credit Report site.
Residents of Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont are already entitled by state law to free credit reports that they can order directly from Equifax, Experian, and TransUnion. In some cases, you have to order by mail or phone for the free report so read the fine print carefully.
Other reasons you may be eligible for a free credit report are listed here.
*I have culled the above information from the sites linked above. For verification, further and more detailed information, please visit the sites directly.