PLUS Scores are the Experian proprietary model. The agreement between Experian and FICO ended a few years back, and since then you are not able to purchase your true FICO Experian scores. Creditors can use any and/or all three bureaus and will nearly every time use FICO scores. There are also different types of FICO scores not available to the consumer that are used in different industries, i.e. Auto Enhanced, for auto loans.
