Your question is one of two that we're all making what amounts to an educated guess on. The other is on a tri-merge, whether to disclose the score you "use" or all three because you use the other two to get the middle one.

FWIW, I agree with you that if you pull the credit score, you notify the applicant/co-signer/whoever. If nothing else, I'd rather err on the side of doing MORE than I have too rather than scrambling to comply when an examiner decides I haven't done enough disclosing!