First, improve the sesame credit information.
Personal information in Sesame Credit includes basic information of users, credit consumption and asset status. Only by filling in all these specific information completely can the system deepen its understanding of you, and the information provided can judge your credit status, which is conducive to improving sesame scores.
Second, Alipay is bound with bank cards and credit cards.
Usually when spending, use Alipay more, and the exchange of bank cards can increase the user's account flow.
When you return the credit card, you also use Alipay to return the credit card.
In this way, good repayment records and increased account flow are conducive to improving sesame scores.
Third, make more use of Alipay transfer function or buy some investment and wealth management products, and make some charitable donations appropriately.
Extended data:
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.
supporting technology
Sesame credit is a credit system designed based on various data.
Sesame credit score is the comprehensive processing and evaluation of massive information data by Sesame Credit, which mainly includes five dimensions: user credit record, behavior preference, performance ability, identity characteristics and personal relationship.
Based on Alibaba's e-commerce transaction data and Ant Financial's internet financial data, Sesame Credit has established data cooperation with public institutions and partners such as Public Security Network. Different from traditional credit data, Sesame credit data covers credit card repayment, online shopping, transfer, financial management, water, electricity and coal payment, rental information, address relocation history, social relations and so on.
Sesame Credit can evaluate users' credit by analyzing a large number of online transactions and behavior data. These credit evaluations can help Internet finance enterprises to draw the conclusion of users' repayment willingness and repayment ability, and then provide users with fast credit granting and cash installment services.
In essence, "Sesame Credit" is a credit information system, which collects data from the government and financial system and fully analyzes the behavior records of users on platforms such as Taobao and Alipay.
security mechanism
According to Sesame Credit, whether institutions or others want to inquire about Sesame Credit Score, they must obtain the authorization of users themselves, and the credit evaluation is presented directly in the form of score to protect the specific credit information and privacy of individuals.