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Sesame Credit (SesameCredit) is an independent third-party credit agency under Ant Financial. It uses cloud computing, machine learning and other technologies to objectively present personal credit status. It has been used in credit cards, consumer finance, and financial leasing. It provides credit services to users and merchants in hundreds of scenarios, such as hotels, rentals, travel, marriage and love, classified information, student services, and public services. Such a large credit reporting agency is guaranteed, not a black online loan.