Cap1 reported for me today too. Due date 20th, close date 23rd. Looks like they've gone from 4 days after due date to close date, to 3 days, which works for me. But I've never gotten a MyFico alert at the same time I see my updates from my EX subscription. I think it is well known that MyFico is slow to update and there are only certain things that trigger an update with MyFico, and the EX site too. None of my Cap1 had a reported balance from prior month or this month so there was no change.
I had a score change with EX on 10/21 but it has not updated on MyFico yet. Not surprised. But MyFico alerts are not sent for every change. When a card that had a balance last month reports the change, MyFico will likely show the score change because that is a trigger. This is how some people get confused with alerts. If I didn't know better when the alert finally comes through I'd think that change in balance had something to do with my score change but it is clear it does not. I've seen this numerous times.
For CK, I usually see updates reported here for EQ and TU sooner than MyFico, even if its an additional 7 days. But TU and EQ has always updated much later than EX for my accounts no matter the credit monitoring service. TU lags the most.
Since I basically check EX each morning I noticed EX's alerts come late, well after I've already found changes from my review.
