After seeing a completely incomprehensible change in my EQ FICO 9 based on Navy Federal Credit Union's July 3rd update, reading reports of others in this forum finding similar anomalies in NFCU's number, and seeing that the new NFCU number was identical to my actual EQ FICO 9 from a month earlier, I tentatively concluded that NFCU's July 3rd report was using stale data. So I was looking forward to getting my new 3-bureau report from MyFICO to confirm -- or repudiate -- my theory.
Sure enough, my 3-B report confirms that my actual EQ FICO 9 is 32 points higher than what NFCU had reported. (And in case you're wondering, there was no change of any substance in any of the underlying data between the July 3rd NFCU update & the 3-B report).
7/27/20 Update:
@MrZeroseems to be indicating that NFCU's "July 3rd" update was based on June 23rd data. I'm not sure how he knows that, but if it's true, that would fit in my case, as the substantial change in my case, which made the "July 3rd" number suspect, came about at the end of June.
7/29/20 Update:
@MrZeroand @Anonymous agree that the update was based on June 30th data. They point out that NFCU's monthly soft pull is done on the 4th Tuesday of every preceding month. That explains the anomaly in my profile, since the big positive change in my profile would have been reported on July 1st. And it also explains why some other folks also had anomalous results, while others had perfectly normal readings. What it doesn't explain is why NFCU calls it a July 3rd update instead of a June 30th update.
Thank you for sharing the data points.
Thanks for the info as always @SouthJamaica!!
Hope you're doing well and getting ready for a nice weekend ahead!! 
This would be incorrect, their data is just fine. This may be your profile, among other users.
I pull my 3B report on myFICO on the 3rd every month, so I can confirm that my July EQ FICO 9 score pulled on the same day is identical between NFCU and myFICO (and are different numbers on both sites than they were in June).
Are you sure that you're looking at the right FICO 9 model (the vanilla one at the bottom under "Other") in the myFICO interface, and not one of the industry FICO 9 scores that go to 900 instead of 850?
Mine went up 42 points from June 3rd to when they pulled the update on June 23rd for July 3rd. ¯\_(ツ)_/¯
@Anonymous wrote:This would be incorrect, their data is just fine. This may be your profile, among other users.
I'm 100% positive that NFCU was pulling older data for me and that it matched the actual score from a month earlier.
A number of other members reported similarly inexplicable results from the July 3rd "update".
@K-in-Boston wrote:I pull my 3B report on myFICO on the 3rd every month, so I can confirm that my July EQ FICO 9 score pulled on the same day is identical between NFCU and myFICO (and are different numbers on both sites than they were in June).
Are you sure that you're looking at the right FICO 9 model (the vanilla one at the bottom under "Other") in the myFICO interface, and not one of the industry FICO 9 scores that go to 900 instead of 850?
I'm 100% positive that NFCU was pulling month old older data for me.
A number of other members reported similarly inexplicable results from the July 3rd "update".
Yes I'm sure it was the EQ FICO 9 Classic to which I am referring.
@MrZero wrote:Mine went up 42 points from June 3rd to when they pulled the update on June 23rd for July 3rd. ¯\_(ツ)_/¯
So you're saying that the July 3rd "update" was actually relying on data from June 23rd? If so, that could suggest that it was 10-day-old data, rather than month-old data.
If so, just curious how you knew what day they pulled it from?