1. A computer-implemented method comprising: receiving, by a computer, a credit application for a customer transmitted from an information input device; creating, by the computer, an instant credit record based on the credit application; building, by the computer, a credit file for the instant credit record; transmitting, by the computer, the credit file to a computer of a credit bureau for a match; receiving, by the computer, an indication from the credit bureau when there is a perfect match; approving, by the computer, the instant credit record when the credit bureau indicates a perfect match of the credit file; and upon approving the instant credit record, generating, by the computer, an account number and a mini-financial record associated with the customer.