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SW alerted me that my score went from 605 to 610 last night after DCU did a hard pull for a membership....... shouldnt my score have gone down? Its not a HP for credit, just for a checking and savings account. I do not see any other changes to my report besides this inquiry.....
Something else, probably very subtle, also changed.
Accounts get older and increase scoring of length of credit history, derogs can be reduced in their scoring impact, utils change, etc.
It is next to impossible to associate one item with a net change in score.