Is the credit report that you and the other companies produce the same as your credit rating?
Your credit report is not your credit rating. Each application for credit is "rated" or "scored" by the lender you apply to. They will take into account the information on your credit report but also look carefully at the information you give them on your application. Information about your job, your salary, your residential status is not held on your credit report.
So if you are turned down for credit - who makes that decision?
The lender always makes the decision.