In Colorado it is the law that each consumer be allowed to receive a copy of his/her credit report once each year.
FreeCreditReport.com | Free Credit Report and Credit Score Online by Experian is a good place to start.
Each state's rules are different, but there's no reason to pay $10/report when you don't have to. Of course the agencies will try to upsell you, and you don't have to accept their offers.