This isn't really a funny link and I know the title sounds like spam, but this site could prove to be very helpful. It certainly would've helped me before my credit was destroyed by one unpaid bill from 1999 (thanks to Stefan, the apartment squatter who never sent me my mail). Anyway, soon we will be able to get free credit reports even if we haven't been rejected for something! What a novel idea.

Credit bureaus announce AnnualCreditReport.com site