Instant Free Credit Card Reports

They are instant loans online reported on your credit report?
I got about 5 credits or less, and I wanted whether the approval and reimbursement for each loan is added to my credit. I am 20yrs old and every time I requested a credit card or received apartment, always say they have no CEDIT and I have had utility bills in my name for about 3 or 4 years. I have also done free credit report and there was nothing there, so I need help understanding.
Lenders are not required to subscribe to services that track the history of credit. So some do, some do not, and the track number just above a dollar of debt.
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