After doing some checking about the new vantage score here are the facts. Only the credit bureaus use this new method. At least 90% of all lenders use Fair Isaac's mathematical formula or the consumer's version of MYFICO (this site). The score you see from MYFICO is the same score banks and credit unions will see. However there was one time when my bank showed 3 more fico poinmts than what I was looking at.
