Possible Reasons for Delay in Score Updates AFTER Report Change? Especially after CLIs?

[Jazee]

Is there ever a delay in a reported score after a change in the credit history.  An example would be if a CLI takes the utilization on one of three revolving accounts way down and say the overall utilization changes from say 30% to 10%.  Or a collection being removed from a report. Is it possible to see the change in the report the day it happens but still have a short delay in updating the reported score?  Seems from what I gathered the answer is NO - the score always reflects the current data shown on the report?

Can a sudden increase in available credit from multiple CLIs over a matter of a couple weeks cause a negative effect that could offset the score increase from the decreased utilization giving the illusion the score didn't change?

And lastly, if you know an app is going to for sure be a Hard Pull, can you always assume then the lender will get the most current score or are there circumstances with some lenders where they may rely on their own historical data of a previous pull for the same applicant that has a score that isn't current?

[Anonymous]

Scores are produced from the credit report data used at that moment in time.  If you were to receive a CLI, any utilization drop related to your greater overall limits would not be realized until that new greater CL is reported to the bureaus by your lender.  This will typically happen with their next reporting, but if their reporting is right around the time of your CLI it could take another cycle to be reflected on your CR. 

If an app results in a HP, that HP will be new and use your most recent CR data.  There are cases where a lender (like Amex) may use a recent HP/score along with a current SP (or no SP) for an approval but just know that if a HP is taken it will always reflect your most recent CR data.