I'm subscribed to Equifax, myFICO, and Experian's products (through Freecreditreport.com).
At first I thought I had discovered that Equifax updated the day before myFICO, and that explained some timing / scoring issues I had seen. The first couple of updates seemed to hit EQ first, and then myFICO lagged.
But neither score had changed for a couple of weeks - even though 1/2 of my CC's reported for January (confirmed through the EX detailed report). At first I was worried that the payoffs I had done weren't going to have any impact on my score.
So I ran the remaining free report from myFICO, and suddenly my score had jumped 11 points! Even though ScoreWatch was set up with all of the targets, and the score change took me across a threshold (692 to 703), neither myFICO or Equifax updated my score.
In the 4 days since that's happened though, I've gotten 1-2 updates with both EQ and SW, and neither one has made any sense... But at least they're updated!
I'm convinced that the only way to know what your score is that day is to pay for the full report. Which stinks.