Alipay has begun to cooperate with external data to cross-verify your data and supplement complete information. Only in this way can they know you better and give you a more accurate rating.

Second, bind as many credit cards as possible.

The most reasonable number of credit cards is 3-5. If it is too much, it will be judged that your debt pressure is high, which will affect your credit. Credit card is the best way to establish a credit record for you in the early stage of Sesame Credit, so you must use credit card to repay more loans and repay them on time. The more frequent repayment through Alipay, the more helpful it is to improve sesame credit. The reason behind this is that by doing so, Sesame Branch can know more about your credit history and performance ability.

Third, use AliPay.

Cash shopping is not very helpful for Sesame to know you, because he doesn't know. However, if you shop through online channels, Sesame may use this online behavior as a data source for credit evaluation. Let them know your spending power and shop more. Taobao shopping must meet more than 20 items in the past 60 days, and Tmall accounts for more than 60% (it is recommended to use Tmall to establish credit records in stages).

Four? Use various service functions of Alipay.

Such as living payment, mobile phone recharge, hotel air ticket and train ticket reservation, and new merchant discounts. Pay water, electricity, gas, property and other expenses on time, and you can also withdraw personal credit.

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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.

Reference: Sesame Credit-Baidu Encyclopedia