I had my credit score drop from 800 by thirty points on a hard inquiry, no idea how all three agencies drop points but its something to consider. There is a home loan shop from another company offering $200 to have all information pulled, its a two day shop but that's why your getting $200.00. All credit agencies have weird ways of taking away points, after the point drop I decided to back off. That was one credit score, another dropped 15 points and another different.