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Banks use credit scores, so do insurance agents and even employers. But if you don't know what's on those reports, you could be in for a shock because the chances are your credit report is wrong, KMBC's Jim Flink reported.Flink talked with a woman who sued one of the credit bureaus and won. A judge limited what she could say about the case.

The woman, who asked only to be identified as Annie, should have had a great credit score. She paid off a house and her car. But according to the credit bureaus, Annie did not even exist. Instead, she and another woman with horrible credit were made into the same person."It was embarrassing, frustrating," Annie told Flink.

Annie said that she did not even know she had a problem until she applied for a home improvement loan with her bank of 25 years. The bank pulled up her credit report online."There were all these bad debts -- Sears, Fingerhut -- for $2,500 and $3,300," Annie said.Flink reported that there was a total of $44,000 in bad debt from businesses Annie said she had never heard of."And I said, 'Oh my gosh. Those are not mine.' And she said, 'It's on your credit report,'" Annie said.

Almost immediately, Annie went online, as directed by the credit agencies, to try to set the record straight. She faxed and phoned to no avail because to the credit agencies, Annie did not even exist, Flink reported."And I said, 'No, no, no, you have to understand that's not me. You have someone else with the same name,'" Annie said.

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