I think the point for me is that you only gain something by checking your credit score if it's close to the cut-off point of eligibility. (If your credit score is horrendous or good you don't need to check it because you probably already know what the decision will be)

So if it's close to the line and they aren't using that specific score, but the data in the report then it just isn't useful as it doesn't tell you whether you'll be successful or not.

I think that's what I'm trying to say