Youre dealing with multiple unrelated issues here. First off, Your CC should be updating to the credit bureaus once a month. This usually happens within a week of your statement date, and the balance on your statement is usually what the credit bureaus receive and show on your report. When you say nothing has changed on your account, I dont know if that means nothing has changed on your account that's listed on your credit report, or on your acount with the CC company itself. You'd have to be a little more specific. If you make multiple payments within the same month, your credit report isnt going to see all of those. It only will see whatever balance was on your statement when it was cut.
As far as MyFico updating. MyFico doesn't update. When you order a report or score from here, MyFico has to request that info from the credit bureau itself. MyFico doesn't store info or compile scores. The bureaus themselves do not update in the sense you're probably thinking. Creditors or lenders update, the bureaus merely gather that update and report it. Bureaus are just reporting agencies, have to keep that in mind. They report what they are told.
$19.95 on here gets you 1 report from EITHER Equifax or TransUnion, plus your accompanied FICO score to that particular agency. That report is a snapshot in time from whenever it was pulled. In other words, the info on it will never change. Its like a photograph, what's there is there. If you were to, say, order 1 report for $19.95 today, you would get whatever your accounts showed at that particular moment in time, and whatever the score was. Now lets say your accounts changed tomorrow, and so did your score. you would then have to order another report for $19.95 to see the new changes and score. You can only order reports on MyFico from Equifax or Transunion. Experian no longer sells consumers their FICO score directly. So you get 2 choices here, EQ, or TU.
The $14.95 I believe is for a monthly subscription to Scorewatch, which is a monitoring service for your Equifax FICO score only. You'll have to read up more about Scorewatch if thats what you signed up for. Basically youre going to get periodic alerts when your EQ score changes. In addition to score monitoring, you get 1 EQ report to look at when you sign up and another one to be used at a future date of your choosing. Its a better way to go in my opinion than just paying $19.95 every time you want to check your report/score. Cheers =o)
