Increased loan availability and competition between lenders have created the need for credit information exchange. The supervisory institutions, the World Bank, the IMF, the Ministry of Economy and Lenders see it as necessary to establish a Credit Information System (CIS) to help manage credit risk. Credit Information System CIS, collects data from various sources and provides credit information to consumers for diversified uses such as to predict their future behavior, also CIS reduces the effect of asymmetric information between borrowers and lenders, facilitating problems Of unfavorable selection and moral hazard, also reduces the monopoly effect of banks' loans by providing incentives for borrowers to repay their loans on time. CIS collects personal information about individuals, their financial records, and alternative data for individuals from a variety of sources called data providers that are usually creditors, lenders, utilities, debt collection agencies, and courts (i.e. Public records etc.). Data providers report their payment experience with the customer in the CIS credit information system. The data provided by data providers, as well as collected by SIK, are then aggregated into the SIK warehouse. Credit punishment is not limited to banks or credit institutions, but also to other institutions such as mobile phone companies, insurance companies, leasing companies, and so on. Credit scoring models are based on statistical techniques, including a variety of data mining techniques, always considering completing according to there is no general technique known as the best statistical technique in building scoring models. This paper presents the effects that affect the current effect of the Credit Information System (CIS) in the Albanian reality in order to reduce credit installment delays during the credit cycle in the banking sector in Albania. There are a number of problems with bad credit for borrowers, as well as debts on lenders. From a lender's performance analysis one of the main causes is the lack of information exchange in the lending market. Also, the credit information system acts as a mediator and regulator of asymmetric information and also to increase transparency in the lending market. In the interest of all stakeholders in Albania (financial institutions, supervisory institutions, government, consumers, etc.) towards financial stability and economic growth in Albania, CIS becomes increasingly necessary towards the consolidation and maintenance of a sound and sound financial system. Credit scoring as a product of CIS through the application of data mining techniques is a growing trend. The decision tree, basic classification rules, expert systems, and any other techniques obtained outside the mini graph techniques and various hybrid combinations are usable and welcome in the scoring industry in the banking sector due to their explicit acceptance/rejection conditions of applicants. Selected literature addresses the challenges faced by banks' lending practices and the role of the Credit Information System (CIS). The growth in demand for loans has led to the need for more formal and more objective methods (generally known as credit scoring) to help credit providers decide whether to grant loans to a borrower, through technology advancement Computer and exponential database growth. In some research it is noted that based on information from some countries around the globe, it is concluded that the existence of credit registers is linked to increased lending volume, lending to business, improved access to finance and a more stable banking sector. The same situation is also presented for Albania, according to this paper.