Over here, when you're applying for a loan, you're the one who has to bring the proof of your credit worthiness - typically your employment contract, bank statement etc. - they can't have it automatically without your consent. Also you have to prove your identity with your ID (either the physical card which is mandatory to have, or I guess nowadays a secured electronic identification if you were to do it remotely somehow). So I was genuinely lost in this comment thread, not knowing what the exact process was in America.