[FICO]

I don't have any idea what I am talking about? Every single pre-approval I got (3 different companies) sent me a dead tree paper disclosure in the snail mail that showed all 3 of my credit scores for each credit bureau, when they were pulled (month/year) and the algorithm used to calculate them (it was FICO 8 - I pay attention to these things). Perhaps they use a different score when actually underwriting but my pre-approvals used FICO 8.

Yes, there's plenty of people giving misinformation on the internet. You're giving very specific numbers out of thin air that are ridiculously inaccurate from my personal experience.

(BTW, there's a back door way to get your credit report as many times a year as you'd like rather than just annually)