The term "instantly" is the most potent word in the domain name. It targets a specific user profile:

: The only government-authorized site is AnnualCreditReport.com.

Sites with hyper-specific, utility-based names often serve as "lead generators." Here is how that "depth" usually functions:

: You rarely stay on the original domain. It often acts as a shell that pings your IP address and sends you to whichever credit monitoring service is paying the highest commission at that exact second.