How are you checking your credit score? Frequent hard-pulls of your actual credit score would show up on your credit report and actually lower your credit score on it’s own.

I’ll bet you’re using a service like credit karma which pinky-promises it is properly calculating your credit score. But is it really?

Nah their scoring model weighs different things differently. And over the past decade, I get a sense that they put more value on your open lines of credit themselves over closed credit in order to encourage people to open more credit cards (which is good business for banks, but not the customer).

https://www.cnbc.com/select/credit-karma-vs-fico-credit-scores/

Don’t put too much faith in those services to give you an accurate credit score, and personally I wouldn’t allow them access to my personal information - that’s just another avenue of attack by a hacker if they compromise the CreditKarma mainframes and steal your info.