Capital One CAP ONE At least once a month they have checked my credit score. As far as I know this lowers my credit. I do no own a credit card. SALT LAKE CITY, Utah

It is a very good thing that you are becoming aware of credit and its impact on you. There are two different types of inquiries: a soft pull and a hard pull.

A hard pull is the one where you apply for credit and the creditor checks your report to see if you fit their guidelines. A hard pull will cost a few you a few points, but we don't know exactly how many points. The reason we don't know the exact number is because the FICO formula is proprietary.
 
A soft pull does not cost you any points at all. Sounds like you landed on a marketing list that was sold to Capital One. Soft pulls are generally used for either account maintenance (if you have an account with that creditor) or for marketing/promotional purposes.

Take a look at your actual report to see where the pulls are located. There is a section that tells you if the pull is an inquiry that affects your credit or a promotional/marketing/account review type inquiry. I suspect that those pulls are soft pulls from what you state.

Go to the myfico.com site to find out what your scores are for Equifax and TransUnion. Experian no longer sells Fico scores to consumers.  Get your credit report from annualcreditreport.com

The site you went to does not have accurate information, it is one of those sites that sells FAKO type scores.