Busywoman, I use TrueCredit and have found their scores to be waaaaay off, in both directions. You just get absolutely nothing close to what a lender or creditor sees. The only thing TrueCredit is half-way good for is the monitoring service, and that part ain't so reliable either.
I've seen new accounts appear and derogs disappear from my bureaus without ANY alerts from TrueCredit, and then I've seen FOUR alerts show up for one simply inquiry. Their graphics page where you see all three bureaus side-by-side is somewhat useful, but the details of the info are usually just not accurate if you compare what you see there to what you see when you get a report directly from any of the bureaus.
The worst part of TrueCredit? Their customer service. It stinks, frankly. Your call will get routed to India or some other foreign country and the reps are usually clueless with regard to credit terminology, etc. and they just have no sense of urgency about your business.
But for $14.95 a month to be able to see a picture (although not very accurate picture) of your credit file, it's not horrible. Just be sure you don't buy ANY of the extra junk they try and sell you through their pop-up ads. Total waste of money. Good luck!
