Starting Score: EQ 523 03/2012
I've found that aging updates are delayed, but "action" updates are pretty dead on. For instance, I knew I would gain a couple points going into January, based on a derog aging. I applied for a DCU account and subsequent loan, which pulled EQ and gives you a Beacon score (same as here). They told me I was at 660, whereas SW had me at 645 still. I was confused, but the very next day I got an alert for a new inquiry, and lo and behold, my score also updated, to a 660. In the past I've seen the "aging" score updates are a few days behind.
Starting Score: EQ=665,TU=618 on Oct 9,2010
The delay is no more than a day or two. ie: New info can be seen on credit report on Jan 3, but score watch alert is dated Jan 4, possibly Jan 5.
This is not an issue for anyone just looking to monitor their FICO score. Maybe if you are so addicted to credit cards and loans and are so compulsory that you need to immediately apply for new credit cards on the exact day that your score increases by a few points, then I could see how it would be depressing to go a full-day without having a new credit card or loan approval. But for normal users looking for an accurate FICO monitoring tool with regular updates to keep track of credit trends over time, Score Watch works great.
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