This is right from Credit Scoring 101:
How often does my score change?
Your credit file is continually updated with new information from your creditors. The FICO score is calculated based on the latest "snapshot" of information contained in your file at the time the score is requested. Therefore, your FICO score from a month ago is probably not the same score a lender would get from the credit reporting agency today. Fluctuations are quite common.
So, how are people getting alerts that their credit score has changed if it only changes when requested? Obviously, they are not requesting a new score often.
thanks.
