If they used another type of credit score, I would probably find another lender.
I wish I still had that disclosure form to see that their model and ranges said. It seemed really weird.
As for FICO, I guess I just don't totally understand what is a FICO score and what isn't unless it says Fair Isaacs behind it. But either way I don't take too much into what the score says. I know that if I have a good mix of credit, good average age of accounts, pay bills on time, and a low balance-to-limit ratio then the score will fall in line with what I need it to be.
I have a credit monitoring service with Identity guard. I know it does not use Fico scores, but IMO it is the best comprehensive monitoring service out there. The scores are generally off by 10-30 points, but it shows me what is on my CRs as well as alerts me when an inquiry is made. Myfico just does not give me the access to all 3 like I want.