Score change delay

[tea4two]

I know the score change SHOULD be immediate and that when you pull a new report it is a picture of your credit at that time and the score SHOULD reflect any changes. Has anyone found this to not always be the case though, meaning have you seen the change on the report, but the score change not show up until days later?

[llecs]

Per FICO scoring, your report purchased through here or a lender is a snapshot at that moment in time. There is never a delay in score. Now there had been complaints in here in the past concerning SW. But many of those posters don't (or then didn't) realize that there's a 7-10 day delay for score alerts or up to a 1-2 day delay for credit alerts. Or others make the assumption that if EX updated, then EQ must have too and don't understand that all 3 reports do not update on the same day.

Now there are some delays with FAKOs, like PLUS.

[Anonymous]

I haven't seen a score change on my EX in 5 months other than losing 8 pts due to Best Buy sending me a cc and I never received it so they issued another card. Now on my credit report it shows that I have two Best Buy cards and one says: Lost/Stolen with a Zero balance. There for my score dropped 8 pts. I've been stuck at 682 for about 5 months. No changes, even though I've not had one late payment and I paid off my Best Buy Card 4 months ago (Best Buy Credit Limit $2,000.) I've even tried the trick were you pay all but $10 early in the month and then pay the $10 off on the date it's due. Cap One CC has a Zero balance $2,000 Credit Limit each month No late payments and I also have a car loan with a balance of 4,000 and change (no late payments and will be paid off about 1 yr early) Nothing seems to work to get that score above 688. TU shows 6 pts more 2 months ago now, I'm currently at 704 as of today.

Why is it my points have not moved much does anyone have any reasons as to why this might be happening?

I thought you would get monthly score ratings.. But EX seems to never have an update/score alert, why is this and is anyone else experiencing this??

Am I missing something??

[DaBears]

What else is on your reports? How many cards you have? what is your util% every month? if all your cards are reporting a 0% every month that could be the reason for no score movement.

[llecs]

Toadie69, are you looking at an EX FICO? A few months ago you couldn't purchase your EX FICO without the help of a lender and I suspect you are looking at a FAKO. Like with my prev. response to the OP, some FAKOs are delayed. Some FAKOs don't respond like FICO does. 

In reading your post about the alerts, did you mean to say EQ?

[YahComb]

the experian fako based services(usaa's monitoring service uses it) can go a loooooong time withount any movement whatsoever.

The fico score varies (for the most part) with every new account, utilization change, inquiry etc...

My EX FAKO has been sitting at 734(for all 3 EQ and TU too) for like the entire year, without any movement. I have seen my FICO score go from the 690's to the 670's to the 720s.