Does annualcreditreports.com reflect the most current data?

[designated_knitter]

I pullled my annualcreditreports.com reports today and noticed that some of the status regarding payments as well as new cards wasn't as recent as credit karma.  For example, I had recently opened a citibank secured card that just hit credit karma yesterday but was not on the annualcreditreports.com site. 

In addition, I had an improved payment status for another account but again, that wasn't reflected on the "official credit reports" while it is on credit karma.

The reason I ask is I applied for a credit union membership and not sure if they would have pulled whatever is being reflected by annualcreditreports or the "up to the minute" reports that credit karma appears to show.

I realize this is a pretty esoteric question but wondering if anyone has any insight.

Thanks in advance.

[Remedios]

If you want to know what lender will "see" once you've ready to apply, do Credit Check Total trial
It will have real time data from three major CRAs as they appear when you pull your reports
Dont forget to cancel when done. I cant remember if it's one or two week trial.