I finally got around to ordering my free credit report on Friday, a move I've been procrastinating about for as long as I can remember.

Why? I honestly don't know why it's taken me so long, but I suspect it's becasue deep down, part of me is afraid of the results. I know there's more than a few random credit cards I applied for all those years ago during Frosh Week. I'm sure they've long-since expired, but nonetheless, they're no doubt kicking aronud on some file somewhere -- along with the HBC credit card I signed up for to save 20% on a wedding gift, before promptly cutting up the card.

I'm not really expecting to have a "good" score since I'm fairly young and have not really ever borrowed a large sum of money to demonstrate my ability to pay it back. So I won't be too upset or surprised if my number is a little low. The methodology for determining your score appears to be more secretive than the outcome of the next Harry Potter book anyway, so I'm really more interested in getting a list of accounts than seeing what my number is -- I'm a ways away from getting a mortgage, anyway. Plenty of time to make it right before it matters.

But I really have no idea what form the damn thing is even going to take. Has anybody ordered a free TransUnion report recently? What will it look like? Will I get just a number, or a codified list of all my historical accounts? Both? And do you get more if you upgrade to the paid report?