Why does the sesame score always not rise, and why does the sesame score never rise?

Credit improvement is a gradual process, which requires you to develop good credit habits in your daily life, avoid excessive consumption, repay various bills on time, pay utility bills in a timely manner, maintain a certain amount of Internet consumption, and expand offline payment scenarios, such as catering, supermarkets, convenience stores, takeaways, etc. Diversified real-name scenario services, as well as timely performance as much as possible, a more comprehensive understanding of your overall credit situation, and more helpful for credit evaluation improvement!

Sesame Credit Score (referred to as Sesame Score) is based on the user's data of various dimensions (covering financial lending, transfer and payment, investment, shopping, travel, accommodation, life, public welfare and other scenarios), using cloud computing and machine learning and other technologies, through logistic regression, decision tree, random forest and other model algorithms, to comprehensively process and evaluate the data of each dimension, and evaluate the user's credit history, behavioral preferences, performance ability, identity characteristics, The five dimensions of personal relationships objectively present the comprehensive score of personal credit status.

Scores range from 350 to 950. Continuous data tracking shows that the higher the sesame score, the better the credit level, and the lower the probability of default in financial lending, life services and other scenarios, and a higher sesame score can help individuals obtain more efficient and high-quality services.

Composition of Sesame Credit Score:

Credit History: Past credit account repayment history and credit account history;

Behavioral preference: preference and stability in activities such as shopping, bill payment, transfer, and financial management;

Connections: The identity of your friends and how much they interact with them.

There are two main reasons why sesame seeds can't go up:

One, you're good enough.

I believe everyone knows that a full score of 100 is not very difficult to test from 0 to 60 points, and it is difficult to test from 90 points to 100 points, and Sesame Credit Score is actually the same.

A Sesame Credit score of 600 or more is good, 650 or more is excellent, and 700 or more is excellent. Friends who have experienced the increase in points must have felt that it is very fast to rise from 600 points to 700 points, and it is not a problem to increase by more than ten or twenty points a month, but 700 to 800, it is good to increase a few points each time.

Especially after 800 points, your Sesame Credit Score is already very high, and all dimensions are very good, and it is normal to remain unchanged, just maintain a good credit history.

2. There is no new use behavior.

Maybe you are often using this or that function of Alipay, paying on time every month, paying online with Huabei, and always having a sum of money in Yuebao.

But if you go on step by step, every month is these behaviors, and there is no change, so there is no way for Sesame Credit to evaluate you from other dimensions, and it is not difficult to understand that the score does not rise.

Extended information] Sesame credit is a very important indicator on Alipay, because many services on Alipay rely on sesame credit, such as borrowing and Huabei, although Alipay has always said that the level of sesame points has nothing to do with the amount of Huabei borrowing, but the user's sesame score is relatively high, and it is very likely that the amount of borrowing and Huabei will also be high, and users with relatively low sesame points should basically not want to have a high amount of borrowing and Huabei.

What is the reason for the decline in sesame seeds:

1. There is overdue behavior.

In the process of using Alipay, there are credit loans such as Huabei, borrowing, and reserve funds, if there is a situation of overdue repayment during the use of Alipay, it will lead to a decline in sesame points, and even affect credit reporting, so you must repay on time.

Second, there is a behavior of brushing orders.

If Alipay is used for violations such as swiping, once detected by Alipay, the system will think that the user did not use Alipay in accordance with the regulations, resulting in a decline in sesame points, and in serious cases, Alipay will be frozen.

3. Lack of activity.

Sesame points are judged according to the behavior, financial resources, reputation and usability of Alipay users in the last month, and if Alipay is not used for a long time, sesame points will naturally decline.

The above is the reason for the decline of sesame points, if the above situation does not occur, the sesame points have declined, then it means that the decline in sesame points is a normal fluctuation and will not have an impact.

The reasons why Sesame Credit Score does not rise are:

1. Imperfect personal information of Sesame Credit. Sesame Credit has not yet implemented a real-name system like Alipay, but the personal information is incomplete, which is likely to pull down the Sesame score.

2. Frequently change the mobile phone number and delivery address. Frequent changes to mobile phone numbers and frequent changes to delivery addresses are all subtractions of Sesame Credit.

3. Never use Alipay to pay for living services. Not having to pay for electricity, water, and gas is tantamount to giving up an opportunity to show Ant Financial the stability and regularity of your life. If you pay your bills on time on a regular basis, you can get extra points.

The same is true for binding a mobile phone to the account, paying phone bills and charging data.

4. When shopping on Tmall, I prefer inferior bargains.

5. When shopping online, there is often a delay in confirming receipt and payment. If you are always too lazy to confirm the receipt and rely on the system default, the system may think that you have bad credit habits. It is recommended that you take the initiative to confirm, pay and evaluate the goods as soon as possible after receiving them.

Extended Information: How to Improve Sesame Credit Score Quickly?

1.To improve Sesame Credit Score, we must first improve Alipay's personal information and bind some more valuable personal information, such as driver's license, provident fund, work unit, housing information, etc., which will be of great help to improve Sesame Credit Score.

2.Remember to keep your promise when using the various functions in Alipay. For example, when using Ant Huabei, you must repay the loan in time and do not default on the contract; There are also various other borrowing functions, such as installment, borrowing, etc.; If there is an overdue Sesame credit score drop, it is very fast, and it is important to pay attention to this.

3.Bind credit cards and savings cards to the Alipay account, and use Alipay to repay the credit card when repaying, so that the system can understand the repayment ability, and good financial resources are the most important thing to improve the sesame credit score.

4.Buy more financial products in Alipay, such as Yu'e Bao, Yu Libao, etc., if Yu'e Bao can buy 100,000 yuan, the sesame credit score will not be low; Yu Libao can also buy a part; It's all proof of good financial resources.

5.Do more online shopping, shop on Ali platforms such as **, Tmall, Juhuasuan, etc., try to improve the consumption level when shopping, don't buy some cheap things, and try to buy products that improve personal grades.

6.Using Alipay's payment features, such as water, electricity, heating and gas bills, also plays an important role in improving Sesame Credit score.

7.Improve the quality of the circle of friends, interact more with rich friends, such as sending red envelopes, transfers, etc., and you can use Alipay family accounts and use group chat functions in Alipay. The above is a summary of the skills for everyone to improve the sesame credit score, and the sesame credit score will be updated on the 6th of each month, so you can pay more attention.

Improving Sesame Credit is a long-term process, which requires continuous perseverance in order to improve your score.

Operating environment: Apple 12, ios14, Alipay version.

Reasons why Sesame Credit Score does not rise:

1. It may be that the user has recently reduced the frequency of using Alipay, and Sesame Credit has not detected some behaviors that can increase the user's sesame points, so the Sesame Credit score will remain unchanged;

2. In the case that the personal information is not perfect, no matter how well the user's consumption record and performance record are maintained, it will lead to the fact that the Sesame Credit Score will not be **, after all, the Sesame Credit Score examines the content of multiple dimensions;

3. Frequently changing the bound mobile phone number and delivery address on Alipay may also lead to a decrease in the user's Sesame Credit score.

Extended Information:1Sesame Credit is an independent third-party credit bureau under Ant Financial, which objectively presents an individual's credit status through cloud computing, machine learning and other technologies, and has provided credit services for users and merchants in hundreds of scenarios such as credit cards, consumer finance, financial leasing, hotels, renting, travel, marriage and love, classified information, student services, and public utility services.

2.Sesame Credit is a credit system designed based on various aspects of data.

3.Sesame Credit Score is a comprehensive processing and evaluation of massive information and data by Sesame Credit, which mainly includes five dimensions: user credit history, behavioral preferences, performance ability, identity characteristics, and personal relationships. Based on Alibaba's e-commerce transaction data and Ant Financial's Internet financial data, and has established data cooperation with public institutions and partners such as the Public Security Network, Sesame Credit data covers credit card repayment, online shopping, transfer, wealth management, water, electricity and gas payment, rental information, address relocation history, social relationships, etc.

4."Sesame Credit"By analyzing a large number of online transaction and behavior data, users can be evaluated for credit, which can help Internet financial enterprises draw conclusions on users' willingness and ability to repay, and then provide users with fast credit and cash installment services.

5.Essentially,"Sesame Credit"It is a set of credit information system, which collects data from the financial system and fully analyzes the user's behavior records on platforms such as Alipay and Alipay.

1.The personal information of Sesame Crack Hemp Credit is imperfect, and the imperfect personal information will directly pull down the Sesame Credit score.

Target; 2.According to Alipay's official statement, the more credit consumption the better, too many credit cards and too many online loan authorizations will adversely affect credit evaluation;

3.Alipay is used less frequently, and almost never uses Alipay for living expenses, you must know that Sesame Credit Score is not only to evaluate the user's loan performance, but also includes the use of Alipay.

Extended Materials. The main application of Sesame Credit.

1. In order to facilitate users to understand the credit level of their friends, Sesame Credit has set up a small game similar to "Credit PK", which can be compared with friends. If the other party authorizes and agrees, you can also directly view the other party's sesame points.

Value. 2. During the public beta period, Sesame Credit has negotiated cooperation with partners in many fields such as car rental, renting, marriage and love, visa, etc., and will soon provide experimental services, such as when the user's sesame score reaches a certain value in the future, it is expected that there will be no need to pay a deposit when renting a car or staying in a hotel, and you can try before buying when shopping online, and you do not need to apply for a deposit certificate when applying for a visa.

Wait a minute. In September, Weiye I love my home.

The Group's new long-term rental apartment brand "Xiangyu", together with Sesame Credit and Housing Commander, launched a rent installment service based on "personal credit", opening a new era of "credit rental" in China's housing rental market. According to the tenant's sesame credit score rating, Xiangyu and Fang Commander provide different degrees of deposit reduction and monthly rent payment services, and some tenants with high sesame credit score and good credit history can also enjoy the "privilege" of renting with "0 down payment, 0 deposit and 0 interest, monthly rent payment, live first and pay later".

In May, China Everbright Bank.

Announced with Ant Financial.

basis. Sesame products such as Sesame Credit Score, Information Verification Service, and Industry Watchlist have been applied in Everbright Credit Card's risk control system as pre-loan products.

There are quite a lot of benefits of sesame credit, and today I will briefly list a few commonly used benefits:

1. You can enjoy the higher limit of Huabei and borrowing, Huabei is similar to the bank's credit card, borrowing is like you going to the bank to borrow money with various conditions. And Ma Yun is the most upright, directly let you get it in seconds, the higher the sesame score, the greater the amount used.

2. Sesame Credit with a score of 650 or more can also enjoy three exemptions, such as "free charge for shared bicycle riding", "free charge for renting a car", and "free charge for renting a house", which is really convenient in life. That's why we have repeatedly emphasized the importance of credit, after all, the future is a credit society.

3. If you reach a certain score, you can enjoy a free visa, and you only need to upload information with one click, which saves time and effort.

Composition of sesame seeds.

1. Credit history: past credit account repayment records and credit account history.

2. Behavioral preference: preference and stability in shopping, bill payment, transfer, financial management and other activities.

5. Connections: the identity characteristics of friends and the degree of interaction with friends (so it is also good to add a few more Alipay friends of local tyrants).

A high sesame seed score has the following benefits:

1. Loan-free credit loans.

With Sesame Credit, you can borrow power banks, books, clothes, and umbrellas without a deposit, and even rent a mobile phone to use.

2. Shared bicycles are free of deposit riding.

As long as your sesame seeds score more than 650, you can enjoy a deposit-free ride, eliminating the risk of deposit. ofo small yellow bikes, small blue bikes, Yongan public bicycles and so on are all available.

3. Credit ** can take the money first.

As long as the credit is good, when selling second-hand mobile phones and digital, you can get the money first, and then **, and have cooperated with seven ** institutions such as "love**" and "**bao".

4. Deposit-free accommodation.

Users with good credit can stay in hotels, B&Bs and short-term rentals without a deposit, basically staying first and then paying for it. Not only that, but when staying in a hotel, you can also avoid the process of room rounds and queuing.

5. Rent a car without charge.

If you reach 600 points, you can enjoy smart car rental, no deposit required, and you can also use the car first and pay later. With a sesame score of 650 points, users do not need to pay a deposit or pre-authorize, and can book short-term rental self-driving products with a deposit of less than 5,000 yuan at more than 700 directly operated stores of CAR across the country.