I guess it's hard to say given how many factors are involved in credit scores. I can see my score drop on 4/23 the day I applied for the Tesla loan. It went down 6 points due to that credit check. I'm not going to say my exact credit score but it's over 800 so that's in the noise for me. But by the time I took delivery on 6/6, I checked it again and I had already gained back 8 points. Impossible to tell if 6 of those were me getting back the points lost to the credit check or whether it's just fluctuating credit card monthly expenditures. I never have a balance on my credit cards but my score gets dinged more by what I've currently spent on my credit card for the month (before I even pay it for that month) than any credit checks.
I suppose maybe if I held balances on credit cards I'd get dinged more by credit checks. I don't really know. I'm lucky enough that credit scores have never been something I've had to worry about.
