It's not necessarily the CB's. It's mainly your creditors.
For instance, I have one TL that updates around the 5th each month. On the 5th, the new bal showed on my EX, but not EQ & TU. By the 7th, it was on both of the others too.
So, if you get a daily monitoring service like CCT, you can get a new report every day, take note of when certain TL's update your payment (cuz you're not charging on those cards....right? ), then make a note somewhere...roughly "when" it shows up & who notes it first.
I do have the monitoring service offered by MyFico and it says that it is being monitored but I am not getting any updates or notices of changes to the score. Of ocurse I can "buy" the new score for $15 but why would I do that unless I had reason to believe it had changed significantly over the last month? I thought the $89 per year subscription fee was supposed to notify me of any changes to my score. What am I doing wrong here?
BTW, what is CCT and is it better than what I have now with MyFico? Is the score a legit one?