It shows as of 12/11/2016 I have two INQ in the last year, which on EX is correct. The remaining EX INQ to go past 12 months are dated January 6, 2016 and March 10, 2016. So to test the update timing I would need to check back on January 8, 2017 to see if it dropped the INQ of January 6, 2016.
The Utilization outstanding number is not per standard. I track this from the notifications I get on MyFICO, where I'm using the EX and EQ specific account updates to compare to the All Bankcards number provided every few days by TU. There are days where they are out of sync, but that's only due to the daily timing of each bureau reports. They come into sync regularly as the number of alerts slows down at certain times of the month. These last matched on December 2, at $17,859.
The only way I can get the Discover Dashboard open amount of $19,052 to get close to my known reported balances as of today (last alert from TU on 12/9, last alert from EX 12/10) of $17,341 or $17,431 on TU, is to add in both the closed Citi account I am paying down, $1,204 last noted by EQ, and the PRG Charger balance of $513, both of which do not factor into the open balances in the TU alerts. I only get alerts for the closed Citi account from EQ, never from EX, so thats another weird aspect of this. Even going back into November, I could not get to $19,000 open balances without using those two, and it would be even further off from the $6 (or $84 the other way depending on if TU is used) difference as of today.
This is further corroborated since Discover Dashboard shows me at 6% utilization, but that only works if I add in both the closed Citi balance and the $5,690 credit limit on that closed account. With that, and the Citi balance and the PRG balance, the utilization works out to 6.46%.
The Slate dashboard includes a Card Balances which is only open revolvers, divided by the open revolvers limits, and is at 7% as of November 11, 2016. Slate does add another note, your Total Card Balances, which adds in the Closed balance and the Charger balance at that time.
So I guess a good comparison would be to anticipate when your Slate dashboard would update, and then open the Discover Dashboard at about the same day, print the Discover report, then check the Slate report when it is avaiable. They should have many aspects the same since both are EX.
