When one dies, one of two things occur... depending upon the intensity of ones attachment to the physical plane. Normally, when one dies, one is escorted to the Astral plane, and there meets with a "judge", and together ones Soul and this judge evaluate how well one did working on ones Fate Karma for ones last life. And, since on the Astral plane communication is direct MIND to MIND, that is, psychic communication... there is no deception possible.
At the close of this evaluation, one then designs a new Fate Karma for ones next life. Into that plan goes unfinished business, new areas one wishes to explore, and the rest is filled in with "stored Karma from ones past lifetimes". Then one goes to either some heaven or some hell, where one enjoys a rest if one earned it. Or a place for "Re-education" [hell] if one needs that.
When one is "ready", one then incarnates into a new body [which automatically creates ones Psychology for that life, and ones personality for that life, both based on and dedicated to ones fulfilling ones Fate Karma for that new life.