I have been looking into this for a while, and there is no easy way to do this, but I did find one thing.
If you use the URL http://www.roblox.com/Asset/CharacterFetch.ashx?userId=
followed by your user id (as found on your profile), it returns several ; (semicolon) separated URLs which contain models of the following (in order):
Using the HTTPService, you could use these URLs to manipulate a normal n00b
character with the right BodyColors, Shirt, Pants, Gear (probably unwanted), Hats, and Face. The only thing missing is a way to get the current package the user is wearing.