The article discusses the importance of implementing a Credit Information System (CIS) in Albania to manage credit risk and improve loan availability. The CIS collects data from various sources like banks and courts to provide credit information to consumers. By using statistical techniques and data mining, credit scoring models can predict borrowers' future behavior and reduce delays in loan repayments. The CIS helps reduce asymmetric information between borrowers and lenders, promoting transparency in the lending market and financial stability in Albania.