For most people who use Credit Karma or Smart Credit, you'll notice that your credit score is a VantageScore. In 2006, the VantageScore was created, and through multiple updates, it has become the leading competitor to FICO. The VantageScore uses different data sets and a unique scoring model to calculate the risk of a consumer.
Ask your lender what scoring model they use. You may be surprised to see that your VantageScore is used in more areas than FICO.