yeah its worth it, lots of times things could be wrong. happened to me, some of my dad's stuff was on mine. the credit report I get has your credit score as an additional option and explains whats helping and hurting your score. if you've never got a credit report before you should get one from all three agencies and a credit score from at least one.
I use this:
http://qspace.iplace.com/cobrands/663/product2.asp