Is there a difference between the credit report a creditor sees and your full report on file with the 3 CRAs?

by marsmet463
Question by G-M-B-A: Is there a difference between the credit report a creditor sees and your full report on file with the 3 CRAs?
Correct me if I'm wrong but when you "pay for deletion" you are paying for any record of the debt to be 100% removed from the report that a potential creditor would see (like when you buy a car or credit card) .

--BUT the debt is never actually deleted from the credit report that you and the CRA have access to.

So, there are actually 2 forms of

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