Why joining CU hurt your FICO score?

[Anonymous]

Often enough, when you join a CU or try to rent a room, they will do a credit check, thus leaving a HP that hurts your credit score. 

What's the rationale of this? In these circumstances, people are not asking for a loan, why will it hurt your credit score?

Thanks. 

[ezdoesit]

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@Anonymous wrote:

Often enough, when you join a CU or try to rent a room, they will do a credit check, thus leaving a HP that hurts your credit score. 

What's the rationale of this? In these circumstances, people are not asking for a loan, why will it hurt your credit score?

Thanks. 

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Well if you rent a room they are giving a form of a loan.  They give you space for a month in hopes that they will be paid at the end of the month.  Also I think CU do it more to verify identity IMO.

[Gunnar419]

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@ezdoesit wrote:

Well if you rent a room they are giving a form of a loan.  They give you space for a month in hopes that they will be paid at the end of the month.  Also I think CU do it more to verify identity IMO.

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I can see why an HP for a rental or cell service or whatever because they are in essence extending credit. But why not an SP for a CU?