The following tips may help you:

1. Complete as much credit information as possible. Currently, Zhima credit information includes three aspects: the first is basic information. Have personal ID card, passport, student status and academic information, and driver's license. The second is work and various work-related certificates obtained. There are job information, career information, professional information and other skill certificates. Generally speaking, all kinds of qualification certificates you have obtained can be uploaded to improve your credit value.

The third is the asset situation. If you have a car in your name, you can add your driver's license. If you have a house, you can add your real estate certificate and real estate certificate. If you have a provident fund, you can add your provident fund information. Complete the above information. I believe you will. The Sesame Credit branch has reached a new level.

2. Bind credit card payment and repayment, so that your credit record will form a cycle of conscience. The background will analyze your trustworthiness to gradually improve your score.

Use Alipay more to pay and increase the usage rate of the software; use the Huabei Borrowing platform if possible and repay on time, which can also improve your credit score; use Alipay's mini programs, such as Haha Luo Bicycle, keep your appointments on time, and keep accumulating.

3. The third point is to quickly increase your score. In Sesame Credit, it will push you point-increasing tips from time to time. When you complete the task and reach 100, your score will also be increased. You need to Note that according to the editor's observation, the points-increasing tips will not be pushed. You need to click on Sesame Credit to find it yourself.

When there is nothing wrong with the specific push situation, just click in and take a look, so that your Sesame Credit score will continue to increase rapidly.

Huabei’s Zhima credit score has been reduced due to overdue credit. Can it be restored?

Yes.

Ant Huabei grants users consumption quotas ranging from 500 to 50,000 based on comprehensive considerations such as consumers' online shopping conditions, payment habits, and credit risks, through big data calculations, and combined with risk control models.

Ant Huabei's quota is granted based on the user's accumulated consumption, repayment and other behaviors on the platform. Users' various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic.

When a user behaves well within a period and complies with the quota increase policy, the corresponding quota may be increased. Ant Huabei cannot be opened or raised through others. Please do not trust others and leak personal information.

Huabei maliciously overdue will have a bad record:

From an interest point of view, although the interest rate for borrowing money on third-party lending platforms is not the lowest, many young people like it. Borrow money. The reason is that, on the one hand, compared with bank loans, loan procedures such as Alipay and WeChat are very convenient. You can apply with just a few clicks on your mobile phone and the account will be received immediately;

On the other hand, Because many people believe that if you borrow money from Alipay or WeChat and fail to repay it in time, it will not be like a bank loan. It will go into the bank's credit reporting system and leave a stain on your credit, making it impossible to get a loan when buying a house in the future. .

But in fact this may not necessarily be the case.

The reporter noticed that “Ant Jiebei” claimed that “overdue records will be recorded in Zhima Credit and the financial information basic database will be uploaded in accordance with regulations”; and “Ant Huabei” also stated that “overdue repayments will be Corresponding overdue interest will be generated, and overdue records will be reported to Zhima Credit, which will affect your Zhima score and may have a negative impact on your credit.”

In this regard, the reporter also recently contacted Alipay customer service. After consultation, the other party said that if you simply use "Huabei", "Jiebei", etc., it will not be reflected in the central bank's credit record. But if it is seriously overdue, the overdue record is likely to be reported to the central bank's credit reporting system.