ACE, I'm retired from the finance industry so will try to help. At one time Eaglemark used a service provided by the credit bureaus which gave Eaglemark the FICO scores instead of the entire credit report. If the scores were within guidelines, the loan was approved. This is less costly than getting a full report. In the auto business (my field) everything is pretty much automated now and Fico scores are used almost exclusively. In marginal cases (low scores) a review will be done manually and usually uses all three agencies. In the mortgage field, there are companies that provide "merged" reports...i.e one report "merging" the info from all three agencies into one report.
Usually the credit reporting is done electronically (creditor's computer to the bureau's computer) and, again, is virtually automatic. The only time we had issues reporting was during software upgrades at one end or the other and the puters wouldn't talk...usually rectified pretty quickly.
Hope this helps.