Without some more information, it will be hard to tell. One thing you can do is check your EQ FICO here, and compare it to the score you are getting from your lender. If it is the same, that would be some indication that they are giving you a FICO score. TU comparison likely won't help because your lender likely isn't using TU98. You could also check free scores at places like Credit Karma. If your TU score your lender is giving you matches the Transrisk or Vantage score you are getting via Credit Karma, it may be that you are getting a Vantage or Transrisk score.
Starting Score: ~500 (12/01/2008)