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The term "instant credit report" is a subjective term. There is no such thing as an instant credit report because it will take a few seconds to verify your identity before a credit bureau or credit reporting agency will provide your credit report. You certainly wouldn't want the credit bureaus to provide an online report to anyone without your authorization. Credit reports are available online from Experian, Equifax, and TransUnion, the three largest credit reporting agencies.

The bottom line: You can get your your credit report and credit score online in less than two or three minutes and, what's more, you can even print it out your report right off your computer. More important to most consumers than the sheer speed of the report is the information contained in the report: Your credit report contains important information about your credit history, your payment history, your personal information, the recent inquiries you've made for credit, and any public records that are contained on your report.

It is important that you check to make sure all of this information is correct, because inaccurate information may mean that you are paying much more than you should be paying for credit. The information in your credit report determines your credit score and your credit score can cost you or save you a lot of money.