I just received a Score Watch 'no changes' email for this past week. And yet during this past week, CKarma, Chase, CapOne and Ex (all free services) have responded to balance changes and a new revolver reporting to the bureaus.
And I know that my FICO score has fluctuated throughout the week.
So just what is Score Watch watching?
Cards: ample. Income: adequate. Credit: abundant. INQs: excessive. Last INQ: fresh. Oldest account: adult. Youngest account infant. AAoA: closer to optimal than horrible. All scores above 810.