I just applied for a new/backup credit card.
Got dinged for 7 points just for the hard check (expected, but inexplicable).
While looking at my score I noticed that the only 2 things costing my any "points" were my utilization (I never carry a balance, no car loan(s), no mortgage, etc.) and the fact that I had "only" 5 active credit accounts; it all seems backward to me.