In credit activities, credit information plays a key role in reducing information asymmetry between borrowers and lenders, allowing credit institutions to assess risks more accurately and improve the quality of credit operations. Practical banking operations in Vietnam show that one of the main reasons for the inability to expand the customer base is that credit institutions are unable to collect sufficient reliable information to make lending decisions and manage risks effectively. On the other hand, customers may also face difficulties in accessing loan capital. Therefore, a credit bureau with database that includes both negative and positive information will shorten the gap between customers and credit institutions, promoting efficient and sustainable credit activities.