Obtaining a instant credit report can take about a few minutes. Maybe about 3-5, this is simply the amount needed to fill out the personal information.
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If you do it by mail then within a week. If you do it online then it's instant.
To obtain an instant credit rating, you can request a free credit report from a credit bureau online. This report will show your credit score and rating based on your credit history and financial behavior. Keep in mind that your credit rating may not be truly "instant" as it can take some time to generate the report.
Free credit report is a great place to get a free instant credit report. I have found that they are not as detailed as some reports that you pay for can be, but this company showed us that I had a bad mark on my credit from years ago that I didn't even know about and I was able to take care of it.
You have three credit scores you need to take into consideration to get your average "true score". You can request a free credit report online to get instant access to your information.
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