Credit reports are not the same as credit scores. They are typically provided by different companies.

I meant as their primary purpose, if the government were to offer a similar service. They all started selling scores recently, but lenders don’t necessarily use that, they look at the details themselves and come up with a decision on whether or not to lend.

That's not accurate. I just finished my home refinance two weeks ago.

First, my score qualified me into a certain set of options (rates, points, etc) then they asked about specific details of the report after. But the score is the first pass/qualification.