1, people who often use Alipay. Sesame credit can be accumulated by using Alipay, such as shopping on Taobao, and paying water, electricity, internet and telephone charges with Alipay. A high score indicates that such people often use Alipay for consumption.
2. People with good credit. One way to get the sesame credit score is to keep the credit promise. When you use loan products such as petty cash, flowers and loans, each repayment is equivalent to a credit commitment. Many appointments show that your credit is good and I am honest.
I. Sesame Credit
Sesame Credit is an independent third-party credit reporting agency under Ant Financial. It objectively presents personal credit status through technologies such as cloud computing and machine learning, and has provided credit services for users and merchants in hundreds of scenarios, including credit cards, consumer finance, financial leasing, hotels, renting houses, tourism, marriage and love, classified information, student services, public services, etc.
Sesame Credit evaluates users' credit. The score range of sesame seeds is 350-950, and the highest score is 950. Then the score range is generally divided into five grades, that is, 350-550 credits are poor, 550-600 credits are medium, 600-650 credits are good, 650-700 credits are excellent, and 700-950 credits are excellent.
Second, how to improve the sesame credit score?
Sesame credit score is a comprehensive evaluation of credit habits, not the accumulation of consumption amount or points, so it is impossible for people to apply for adjusting credit score on their own initiative. The methods to improve sesame credit score are as follows:
1. Perfecting personal information is conducive to the system to make a more comprehensive evaluation of users, thus facilitating the provision of sesame credit points.
2. Use the credit loan products in Alipay to repay on time, such as ant flower buds and borrowing buds.
3. Enrich consumption behavior and reflect good consumption habits. For example, the number, amount and scenario of Internet payment, as well as different shopping behaviors.