The credit score can reach up to 950 points.

1. Credit score levels:

The highest credit score is 950 points and the lowest is 350 points. Credit is also graded according to scores: 350-550 is considered poor, 550-600 is average, 600-650 is good, 650-700 is excellent, and above 700 is excellent.

2. Introduction to credit score:

Credit score is the comprehensive processing and evaluation of massive information data by credit, which mainly includes user credit history, behavioral preferences, contract performance ability, and identity characteristics. , five dimensions of personal relationships. Different from traditional credit data, credit data covers credit card repayments, online shopping, transfers, utility and gas payments, rental information, social relationships, etc.

3. The composition of credit scores:

(1) Credit history: past credit account repayment records and credit account history;

(2) Behavioral preferences : Preference and stability in shopping, payment, transfer, financial management and other activities;

(3) Performance ability: stable economic sources and personal assets;

(4) Identity Characteristics: Enough and reliable basic personal information left during the use of relevant services.

Methods to improve your credit score:

1. Improve personal information:

Find credit management in credit. If your personal information is complete, Alipay can Evaluating you truly and comprehensively will help improve your Sesame score.

2. Open Ant Huabei and Ant Borrowing:

If necessary, you can open Ant Huabei and Ant Borrowing, but you must repay the loan on time, because the system will Keeping track of your credit score is one of the ways to improve your credit score.

3. Use Alipay more for consumption:

When you usually buy things, if you can use Alipay, try to use Alipay to pay, and you can also spend more on Alibaba's platforms. Especially when you buy things on Tmall, you can get points, which can be used as a basis for credit points.

4. Purchase financial products:

We all know that Alipay has many financial products, and some are more suitable for ordinary users to manage their finances. Regularly transferring some working capital can actually improve your credit score.