"free credit report dot com" ... I'm told the trick is sign up, get the rating, cancel it before you pay anything. After reading all this I sure am glad I live in upstate NY, where the DMV could give two craps what you've done to your car as long as you can show them what it weighs and that it has a VIN. Annual inspection is a pain, but heck I want all my lights and brakes to work anyhow.