Credit is a comprehensive evaluation of the objective performance capacity and the subjective performance virtue.In the modern credit reporting system, evaluations made by credit agencies have decisive meanings. The violation of credit right refers to incorrect reporting, collecting and processing of individual credit information. The contents of credit right mainly contains individual’s right of inquiring information, being informed, as well as correcting and deleting erroneous information. To protect credit right, the credit bureau should bear the burden of proofing and compensating opportunity loss. While there is credit right in civil code, some special regulations on credit right should be provided in individual credit reporting law.