What is the time for a response on credit? How long will it take to receive credit reports?

Reports are returned instantly upon completion of the application process, unless the applicant is required to contact TransUnion for a manual identity verification. In these rare instances, applicants are provided with next steps and reports are returned in 24-48 hours from when the applicant contacts TransUnion. 

See also: What is the TransUnion Identity Verification (IDV)?