Credit reporting provides reliable information resources for lenders to assess the risk of the loan. In order to get the quality and reliable report, the development of credit bureau need to be ensured important rules. According to World Bank, there are 5 basic principles to build a credit reporting system. The principles are data quality; Security, reliability and effectiveness; Legal and regulatory framework; Governance arrangements to deal with operational, legal and reputational risks; Globalization and access to credit across borders