Hard pulls are dropped from credit reports after 1 year but generally the bank will not take it into consideration if the pull was more than 6 months ago. 742 vs 759 isn't big enough of a difference to be the deciding factor between denial or approval. There are other factors which play as much of an important role such as avg length of accounts, amount of open credit with the bank, outstanding debt, your income, etc. How are you doing in these other areas besides the credit score?