Credit Score Sources

Question: Credit Score..............?
If your score is affected by inquiries of unknown sources....why? You can't control who checks your credit
I don't get it. So, if you apply for a loan, your credit may go down?......fucked up
Answer: You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - credit-report-free.totalh.com
5 Tips to Improve Your Credit Score - Morningstar Video