TrueCredit.com TrueCredit.com - For an initial $25, then $15 per month, you get unlimited access to all three of your credit reports. (This is the offer on the right-hand side of their main page.) You can refresh this data once every 24 hours. Why would you need this data? If you're considering a large purchase (car loan or mortgage), having this data could save you thousands of dollars in interest. If you're score is above 680, you should qualify for a competitive interest rate. If you don't know what your score is, you're at the mercy of a banker or finance manager that may not be looking out for you. Another benefit of seeing this data is the ability to detect possible identity theft or unauthorized charges to your accounts.