Fico score monitoring and what lenders see

[Anonymous]

While monitoring your scores here at myFICO, and you get the weekly updates, how often are they actually updating? Meaning if you started on Jan 1st, and by Jan 20th you raised your score 50 points to 700, and wanted to apply for a mortgage then, would the lender pull the 700 or is there a certain time you have to wait before it actually updates? Or are these snapshots we get weekly real time Fico 8 updates? I'm sure the 3B scores are updating as well, so when asking about the scores I'm meaning any of them. You won't know what your 3B scores are unless you order them, but let's say you wanted to check on them once a week? Will they show the real time updates? If I sound like I'm repeating myself I'm just trying to clarify for all. 

[Anonymous]

It's updated every time a lender pulls it.

[Anonymous]

Nice! Thanks Captool. 

[myjourney]

Scores change each and every time a change is reflected to your CR's 

This could be due anything that is updated at that particular moment: (snapshot)

Payments

UTL

New accounts 

New HP's 

Paid off accounts 

Baddies

etc etc 

So to answer your question whenever the lender pulls they will see the snapshot of what your score is at that very millisecond in time....1 second later due to the pull your score will change again to reflect the HP that just occurred 

Hope this makes sense 

[iv]

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@Anonymous wrote:

While monitoring your scores here at myFICO, and you get the weekly updates, how often are they actually updating? Meaning if you started on Jan 1st, and by Jan 20th you raised your score 50 points to 700, and wanted to apply for a mortgage then, would the lender pull the 700 or is there a certain time you have to wait before it actually updates? Or are these snapshots we get weekly real time Fico 8 updates? I'm sure the 3B scores are updating as well, so when asking about the scores I'm meaning any of them. You won't know what your 3B scores are unless you order them, but let's say you wanted to check on them once a week? Will they show the real time updates? If I sound like I'm repeating myself I'm just trying to clarify for all. 

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Any time you pull a 3B, the scores reflect that instant in time.  Same thing when a mortgage tri-merge is pulled - it reflects that moment in time - whatever is on your report at that moment in included.

But you mention the monitoring, seeing a specific score, and ask if a mortgage lender would see that score...

No.

The monitoring is only FICO 8 scores, and the mortgage tri-merge will pull EX2/EQ5/TU4.  You will only see updated versions of those scores here if you pull a new 3B report.