"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 ****s 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.