After the sesame seeds are updated, why don t they stay put?

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.

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.

The reason why Sesame has not been available for a long time may be due to incomplete personal information or too little use of Alipay (including payment, payment, recharge, credit card repayment, Yue Bao, wealth management and other products), from the five constituent dimensions of Sesame Credit, that is, the performance ability and behavioral data are insufficient.

There are roughly two types of cases in which sesame points do not rise, one is that they have not risen or basically not risen since they were opened, and the other is that they have risen normally at the time of opening but suddenly do not rise or occasionally rise by one or two points, one of the five scoring indicators of Sesame Credit, behavioral preference. The type of consumption is a universal dimension for judging credit levels. In addition, if the sesame credit score is already very high, it will be very difficult and last longer, which is also normal.

Why haven't my sesame seeds gone up for a year and a half? A year and a half ago it was 721Now a year and a half later, or 721 points?

.There are too many sesame credit authorization products: there are many credit lending products on the network, and many of these loan products have relatively low risk control capabilities, so they all review the personal comprehensive credit level of users applying for loans through sesame points or personal credit information, which requires sesame credit authorization inquiries, and too many sesame credit authorization inquiries are like too many credit inquiries, which will have an impact on system evaluation and make sesame points no longer grow;

2.Have a bad credit record: If there is a bad credit record such as overdue repayment, it will also affect the growth of Sesame Points, not only the overdue repayment in Alipay will affect Sesame Points, but also the overdue of other lending products that are authorized to borrow through Sesame Points will also affect Sesame Points.

Sesame seeds may not rise due to the following reasons:

1. Imperfect Sesame Credit personal information.

Sesame Credit has not yet implemented a real-name system like Alipay, but the incomplete personal information is likely to lower 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 Alipay for electricity, water, and gas is tantamount to giving up an opportunity to show the stability and regularity of your life to Ant Jinzhu. 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.

Fourth, when shopping on Tmall, prefer inferior bargains.

Thrift is a virtue, but if you buy shoddy goods for a long time in the "Tao Department", it is likely to damage your personal image. You can buy less, but it's better to buy more "high-quality" goods.

5. Confirmation of receipt and payment are often delayed when shopping online.

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.

6. Do not use all kinds of services provided by Alibaba.

Ali provides services covering all levels of clothing, food, housing and transportation: Ali travel, **, movies, food, hotel and air tickets, etc., all have entrances on Alipay.

7. Do not bind credit cards, do not shop online after binding, and do not repay in time.

Binding the credit card to Alipay, using the functions of Alipay more and repaying the loan in a timely manner can increase the score of the credit surplus contact record, and vice versa.

8. Do not use Huabei, borrow or repay in time.

If you don't use Ant Financial's credit functions such as Huabei and Borrow, the system will not be able to access your credit assessment data source. If it is overdue and cannot be repaid after use, it will be more harmful to sesame seeds.

Further Information] Sesame Credit is a third-party credit rating and credit management agency under Alibaba Group's Ant Financial, which aims to build a simple, equitable and inclusive business environment. The agency uses leading technologies such as cloud computing and machine learning to objectively present the business credit status of individuals and enterprises, and is widely used in many business scenarios such as leasing, shopping, business travel, and local life, allowing merchants to provide more convenient services to more users.

The reason why sesame seeds are not rising:

1.Private information is not sound enough, there are five scoring index values in the key to sesame point evaluation, in which there is an ID card information, if we have enough information content to teach Alipay, such as real identity, position, age, diploma, etc., the service platform is difficult to give users a relatively high comprehensive score, then the sesame score has increased that is everything is normal.

2.The frequency of Alipay application is small, and users rarely apply sesame points to borrow, such as Ant Huabei, Ant Borrowing, reserves, etc., or there is no need for Alipay to consume, such as paying electricity bills, consumption, total traffic, etc., which all cause users to have difficulty in increasing sesame points.

3.Personal credit is not very good, not only the application habits of Alipay will harm the sesame points, but some things on the network will also harm the sesame points, such as never actively confirming the receipt, often changing the recipient address and mobile phone number, etc., this kind of basic information is not easy to assess users, and in order to better manipulate the risk, the system software is generally not easy to add points to this kind of user.