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I just updated all three bureaus FICO8 through Experian and I had some expected drops from my only AU card reporting zero on EX and TU (16 points and 13 points respectively) but my EQ FICO8 score went up 10 points. The only difference across the reports is inquiries (EX: 3, EQ: 0, TU:1), all accounts are reporting the same balances across all three bureaus. Could 0 vs. non-zero inquiries affect point loss from AU AZ penalty? Or is there some sort of delay with Equifax? I can't cross-reference with myFICO because Equifax rarely updates on my dashboard.
My Equifax is always last to report, it's possible they haven't updated. There is a penalty for all AU reporting 0.
The +10 could be related to an EQ aging milestone.
It is updated though, the accounts reflect the same balances as EX and TU. I am not sure there would be a delay in between the credit report updating and a change in the score, at least I have never experienced that (on Experian, myFICO is different). I'm aware of the AU AZ penalty, just unsure why it wasn't happening on EQ.