Methods to improve your personal Zhima Credit score:

1. Use Huabei more. As long as you can pay with Huabei, try to use Huabei for payment, preferably in installments, so that you can repay a certain amount every month, and each repayment is equivalent to fulfilling the contract.

2. Use Alipay more for transfers. The more transfers you make, the larger the amount, and the value of your Sesame Credit score will increase.

3. Use Alipay to pay off credit cards. Pay off your credit card regularly every month, and at the same time use the credit card's consumption record. The banking system can find your spending power level to a certain extent

4. Use Alipay to pay for daily expenses. Such as paying phone bills, water bills, electricity bills, gas bills, broadband bills, property bills, etc.

5. Bind savings card, provident fund, vehicle information and other financial resources proof.

6. Purchase more financial products on Alipay. Such as Yu Li Bao, Yu'e Bao, Zhao Cai Bao, Entertainment Bao and funds.

1. Zhima Credit is an independent third-party credit reporting 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, 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 utility services.

2. Technical basis:

Zhima Credit is a credit system designed based on all aspects of data.

Zhima Credit Score is Zhima Credit’s comprehensive processing and evaluation of massive information data, which mainly includes five dimensions: user credit history, behavioral preferences, contract performance capabilities, identity traits, and personal connections. Sesame Credit is based on Alibaba's e-commerce transaction data and Ant Financial's Internet financial data, and has established data cooperation with public security agencies and partners such as the Public Security Network. Different from traditional credit data, Sesame Credit data covers credit card repayments. payments, online shopping, transfers, financial management, utility and gas payments, rental information, address relocation history, social relationships, etc.

“Sesame Credit” can conduct credit evaluations on users by analyzing a large amount of online transaction and behavioral data. These credit evaluations can help Internet financial companies make conclusions about users’ repayment willingness and ability. It then provides users with quick credit and cash installment services.

Essentially, "Sesame Credit" is a credit reporting system that collects data from the government and financial systems, and also fully analyzes user behavior records on Taobao, Alipay and other platforms.