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Do MyFICO scores update in real time?

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Do MyFICO scores update in real time?

Hello, forgive me if this has been asked before or there is already a topic on it; I skimmed through the top and the common thread topic and I didn't see it.

 

My question is does MyFICO update as soon as the credit company notifies the credit bureaus? I pay the monthly $29.99 score monitoring and often my cards are staggered by the bureaus. For example, my Credit One Card updated the balance on MyFICO for Experian on 11/9, Equifax on 11/10, and TransUnion on 11/15. However, I use CreditKarma as well as it is pretty accurate on the balances (not really the score) and both Equifax and TransUnion balances were both updated there for the same card on 11/7, two days before MyFICO updated Experian. Is there a delay in when MyFICO is updated? Also, would it be safe to trust the dates the balances changed on CreditKarma? 

 

Thank you in advance to whoever dedicates their time to help me out. 

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Re: Do MyFICO scores update in real time?


RapperBlanco wrote:

Hello, forgive me if this has been asked before or there is already a topic on it; I skimmed through the top and the common thread topic and I didn't see it.

 

My question is does MyFICO update as soon as the credit company notifies the credit bureaus? I pay the monthly $29.99 score monitoring and often my cards are staggered by the bureaus. For example, my Credit One Card updated the balance on MyFICO for Experian on 11/9, Equifax on 11/10, and TransUnion on 11/15. However, I use CreditKarma as well as it is pretty accurate on the balances (not really the score) and both Equifax and TransUnion balances were both updated there for the same card on 11/7, two days before MyFICO updated Experian. Is there a delay in when MyFICO is updated? Also, would it be safe to trust the dates the balances changed on CreditKarma? 

 

Thank you in advance to whoever dedicates their time to help me out. 


No I would estimate it's 1-2 days behind.

FICO8 EQ 721 TU 747 EX 732 Total revolving credit 454000