Different models are supposed to predict different types of loan risk. Taking out q loan for an auto payment is viewed differently than say a credit card as the terms are a lot different, collateral, etc.

Here's what you and the other guy may not know, FICO isn't the in all be all either and many banks will even use their own model. Chase for example does this. VantageScore is still useful as it gives details about your overall credit make up. Missed payments, crediting utilization, age of credit, etc. It's all there.

You are allowed to pull your actual credit reports at least once a year completely free. As for scores with how many models it will just sort of depend. You can go on the FICO website and get a free estimate with proper info and/or Experian is free to check I believe at least once a week.