Yesterday I went to the bank to open an installment loan. The bank pulled my equifax credit file and came up with a score of 785. Nice score except the score was wrong. This was my score from the day before reflecting no debt on equifax. Earlier that morning a very large credit card debt reported to my equifax file and should have pushed my score down to 690-710 as it always does. The debt was showing but the score did not reflect it. Is there always a day or so delay in fico scores? I think it may have confused them at the bank when I said I needed an installment loan to help my credit. LOL with a 785 score with huge credit card debt I didn't know what to say. I just told them the truth, that was yesterdays score reflecting no debt. 785 with huge credit card debt and new inquiries, not even possible. Unlikely I will ever see this score again. I believe if I added points lost for this debt my fico score could be 850-870. My socre will probably be 700 by tonight when fico updates and reflects my debt. It looks as if my scores are saved late in the day or early in the morning and any debt changes after that are not reflected until the next day. Is this possible? 
There is NO DELAY in the score changes. The moment your score is pulled it takes a snap shot in time. ALL FACTORS from your CRs are taken into the algorythim and a score is spit out.
Your score will not change if the information hasn't changed.
Your blessed. 
Rob
