I have a 1920x1080 monitor, and a video card capable of generating a 1920x1080 image.
If I set the screen resolution* to 1280x1024, then the image fills the screen, but is, of course, stretched.
If I set the screen resolution* to 1920x1080, then the image is wider than the screen (I have to mouse back and forth to see the whole image), and just as stretched as at 1280x1024.
*Control panel/Display/Settings/Screen Resolution.
I'm using Windoiws XP.