When you apply for a loan in the US, most lenders these days will only look at your credit score(s), but they also have access to the full credit report and wil

When you apply for a loan in the US, most lenders these days will only look at your credit score(s), but they also have access to the full credit report and will sometimes have a credit analyst look at the report manually and form a judgment. So this would be like a scheme where the lender/insurer would only have access to scores, and not the full report.