Yes the sponsor sponsors you and you have no information/relationship mingling at that point.
Unless you default. Then they usually call the sponsor if they have trouble reaching you.
Signature line begins: Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk. Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.