Glad you brought this up because I’ve never understood Credit scores. They tell us it is a rating of how likely we are to pay back money that was loaded. They tell you to get your score as high as possible. But the second some even just “hard checks” you score, the number drops. Why would my number drop the second some goes to verify I’m going to pay the money back. Isn’t that the point of the number so people feel good about loaning me money!  But some how when my number is viewed I’m instantly less reliable? 🤪

Am I missing something here? 
https://m.primal.net/Jqib.jpg