Most lending (the 75 number) is based on some fico scores. What you get on myfico are standard fico formula scores. What a lendor may use will still be a fico score, but likely a different industry customized formula (bank card, auto enhanced, etc). Your myfico scores are generally the best estimator you can have to the scores the lender will use.
Plus scores or the like are fairly useless as they won't be used by anyone (well other than yourself potentially).
