A credit reporting system is an integral part of a well-functioning credit market. It reduces information asymmetries and helps increase access to credit. It also improves borrower discipline, lowers interest rates, and supports bank supervision and credit-risk monitoring. This SmartLesson looks at how economies may strengthen financial inclusion and access through upgraded credit bureaus and credit registries. It includes some of the latest developments and successful experiences, based on our firsthand exchanges with credit reporting professionals.