In my opinion, if your last card updates with the bureaus on the 3rd. Pull your score on my fico after that. Your mortgage score will be updated each time you pull it and anything has changed that affects your mortgage scores. Credit utilization impacts your mortgage scores so there should be a change to that score each time your credit utilization changes. I am no expert and have just started watching my mortgage scores but from what i've learned about how mortgage scores are figured I would recommend pulling it after your last card reports.