1. The reason why Zhima Credit score remains unchanged: The improvement of Zhima Credit is a long-term process. Not much will change in a short period of time, and it cannot be achieved overnight. Not having a score increase does not mean that your credit is bad, but that your credit score is more stable and objective. It is recommended to continue to maintain good credit behavior. Long-term and stable trustworthy behavior will steadily increase Sesame points.

2. Check whether you have the following behaviors:

(1) Personal information is incomplete. Personal information includes associated identities. Rich and real learning and career experience information, as well as real-name consumption behavior, are one of the important factors in Zhima score evaluation. For example, academic certificates, provident funds, real estate, vehicles and other information are not uploaded. Because the information is incomplete, there is less understanding and one-sidedness, which also has a certain impact on the score.

(3) Overdue use of credit services. For example, after borrowing a power bank without deposit, remember to return it; and keeping the promise on time will also help to accumulate credit.

(3) The account is not active enough: You can often use Alipay to pay for water, electricity, gas and repay credit cards on time.

(4) Credit is a process of continuous accumulation. If the score does not increase, a stable score also means stable credit. Extension information

1. Sesame points are based on user authorization, based on user data in various dimensions, comprehensively using technologies such as cloud computing and machine learning, and using model algorithms such as logistic regression, decision trees, and random forests. , through comprehensive processing and evaluation, the scores of personal credit status are objectively presented in the five dimensions of user credit history, behavioral preferences, contract performance capabilities, identity characteristics, and personal relationships.

2. Methods to improve sesame points: Develop good credit habits in daily life, avoid excessive consumption, repay various bills on time, pay water, electricity and gas bills in a timely manner, maintain a certain amount of Internet consumption, and Expand offline payment scenarios, such as restaurants, supermarkets, convenience stores, takeaways, etc. Credit improvement is a step-by-step process.

3. In Sesame’s five dimensions (identity, contract performance, history, connections, behavior), many people may ignore the behavior aspect. Behavior refers to the behavioral characteristics reflected in shopping, payment, transfer, charity and other activities.

(1) For example, if you pay water, electricity, gas, etc. through offline payment or non-Alipay channels, it is difficult to obtain information. If you usually pay water, electricity, and gas bills, it is recommended to pay them through Alipay. Paying on time will help us better understand our credit situation.

(2) For example, in online shopping, if conditions permit, increase the frequency of e-commerce shopping and payment behaviors. Stable Internet transactions and payment behaviors will help accumulate credit.

(3) Credit is a process of continuous accumulation, and there is no shortcut. Developing good credit behavior on a daily basis will help improve your credit.

Reference material: Alipay-Understanding Zhima Fen

Reference material: Alipay-Zhima credit score is low, what is the reason?

Reference material: Alipay-Zhima Fen has always been Very low, what’s the reason?