Any lender can pull any CRA. However, many lenders tend to pull from one or two CRA's. For example, I have two local CU's that almost exclusively pull TU. You can Google the credit pull database to get an idea of what CRA your lender will pull.
There is a FICO 04 score enhanced for installment loans. It isn't used much. It is much more likely the lender will use the same model as they use for other non-mortgage loans. For example, DCU is known for using EQ-04 scores. Penfed uses NextGen EQ. The most common model today is probably the FICO 08 classic model, but it will depend on the lender. Banks also can use internal credit risk models in addition to a FICO score.
Most of the P2P lenders will use a SP to pre-qualify you. If you are concerned about being approved, it is a no-risk way to see what amount they will approve you for and at what rate.
Please also remember, that it isn't just about your credit score. Lenders often manually review your credit report when underwriting unsecured personal loans. Not to mention DTI. Or income verification.
