Are credit reports for real?

Howdy,

I am having doubts that the records and information we receive from the three credit bureaus is the same report and information that the lenders get.

About eighteen months ago I was denied a truck loan. I could not believe this. I discovered there were a couple of credit cards on the report that I did not have. They were of course not being paid, and were two years overdue. One of the reports even listed a bankruptcy. I have never declared bankruptcy. In any event, I got this all cleared up with the bank They were not helpful until the Boston Consumer Affairs office got involved. I eventualy got a letter from them that claims I was the victim of credit card fraud. This did seem a little too easy considering this was credit card fraud--but I accepted it; resolved!. I then got copies of my three credit reports, and they were accurate. This was almost eighteen months ago. Three months ago I pulled my report, and the bankruptcy and two credit cards that were not mine, were not listed. I assumed everything was ok.

My sister is buying a house I inherited. My records were pulled by her mortgage broker. They listed a bankruptcy of mine. How can this be possible. The credit report I received had no bankruptcy or late credit card listings, then this week my sister's mortgage broker pulled my account from somewhere, perhaps not a credit report, and there is some type of cancelled bankruptcy. I have never declared bankruptcy, so what they are canceling is news to me (sorry for being somewhat dramatic--it really annoys me this apparently has not been fixed!!!).

Again, my credit report does not show any bankruptcy and a mortgage broker's does. Is the credit report we receive from the three credit agencies for real? I am doubting it.

Thanks!