I don't know if this helpful, but I thought it was interesting. After this inquiry, my Experian credit score (through Identity Guard/Costco) went down one point 737-736 (been churning, no loans any time in the future). Other bureau scores were much higher, only dropped a few pts. However I was surprised to find that Cap1's letter told me that their Experian pull reported 756. Has anyone else seen that discrepancy?