Is a Sesame Credit score above 700 considered high? So what kind of people are the high scores?

1.Sesame Credit.

In summary, people with a score of more than 800 should have two major characteristics: good asset status and credit status, and more use of Ali products. Then, if you want to achieve a score of 800 or more, you need to meet the above two points.

2.Alipay sesame points of more than 800 are actually not local tyrants, the method is appropriate, for many people, it is really not difficult, the secret is to use Alipay more. Sesame Credit has a minimum score of 350 points and a maximum of 950 points, with higher scores representing better creditworthiness.

The reporter asked a few invited friends, and they all scored between 600 and 700 points, which belonged to good and excellent. According to the scoring system, a score of 700 or above is excellent, a score of 350 to 550 is poor, and a score of 550 to 600 is moderate. In addition, the sesame credit path is improved:

1. Mostly on the Ali e-commerce platform Tmall.

**, poly cost-effective.

and other shopping consumption. Of course, online shopping is also particular, don't always look for some bargains, but also buy more home appliances, fitness equipment, handicrafts and other large goods;

2. Use Alipay credit card to repay more.

features, and timely repayment. At present, Sesame Credit is not connected to the personal credit reporting system of the central bank.

Credit history is mainly past credit account repayment history and credit account history. Since there is no personal loan record, credit card repayment records are particularly important;

3. Use Alipay to transfer money. The relationship between Alipay users is based on money such as transfer and payment, and if you often maintain a large amount of relationship with your friends, then the credit score will be much higher;

4. Buy more wealth management products on Alipay.

At present, there is not only Yue Bao on Alipay.

The larger the amount of money invested by the user, the more frequent the frequency, and the higher the score;

5. Multi-application of life services provided on Alipay. Such as water, electricity and gas payment, rental information, hotel and air ticket booking and other functions;

6. Make more loving donations. At present, there is an entrance to Alipay for love donations, if you donate often, no matter how much the amount is, the accumulated credit will naturally be higher than that of those who do not donate.

Extended Material: Sesame Credit.

1.Yu Wujie, chief data scientist of Sesame Credit, introduced that Sesame Points.

It mainly includes five dimensions: user credit history, behavioral preferences, performance ability, identity traits, and personal relationships. "It contains a lot of information and is very complex, and the preferences and stability of individuals in various aspects such as credit card repayment, online shopping, transfers, financial management, water, electricity and gas payments, rental information, and address relocation history may be one of the bases for judgment.

2.However, we will not disclose the specific items and weights to be investigated, so as not to be used by people with bad intentions. "In terms of privacy protection, whether it is an institution or others, if you want to view a user's sesame points, you must obtain the authorization of the user himself.

If a person's sesame score is high, he may not need to pay a deposit to drive the car away when he rents a car, but if he defaults and does not return the car or does not pay the rent, his sesame score will be lowered.

As of 2020,Sesame Credit. There is no specific number of people over 700, but it is known that the proportion of people who make up the total is very small.

Most of China's Alipay users have a sesame credit score of around five or six hundred, and only a few users have a sesame credit score of more than 700. Those with a Sesame Credit score of more than 700 points are very honest users in the process of using Alipay. According to Alipay employees, Alipay will judge your credit based on your identity, performance ability, history, connections, behavior, etc., so as to obtain a credit score.

The main reference factors of identity are academic qualifications, occupation, etc.; The ability to perform the contract mainly refers to your movable and immovable property, such as provident fund, house, car, etc. History is judged by your performance behavior on Alipay, such as returning Huabei on time.

You can get a higher score by borrowing.

Connections are based on the identity of your friends and also determine your creditworthiness. Behavior is determined by your consumption behavior using Alipay, such as shopping, transferring, and credit card repayment.

Wait. Therefore, there are very few people who can meet these requirements, and most of them need to have a university degree, work for more than 5 years, and have an income above the middle level of society.

Notes:

1. You can use Sesame Credit to prove your creditworthiness when you apply for a visa, and you can apply for a visa to Singapore with a Sesame Credit score of more than 700 points, without providing proof of assets, proof of employment, etc. 、

2. There are also certain deficiencies in the sesame credit system, although the sesame credit score can detect the quality of a person's credit, but it is limited to Alipay, and it is only a one-sided detection.

Nowadays, it can be said that in the Internet era, you can place an order with your mobile phone at home, and you can also take out your mobile phone to pay when you go out, all thanks to the birth of Alipay, which has changed the traditional life of the public to a certain extent.

If you often use Alipay, for Sesame Credit score.

You should be very familiar with it, credit score is very important for users, the higher the score, the more treatment you can enjoy. So people are fighting to divide their sesame seeds.

If you go up, who are the people who have reached more than 700 points? Let's find out.

First of all, some internal employees of Alipay revealed the truth, saying that the general sesame score reaches more than 700 points, indicating that he is a person with excellent credit, especially when using Huabei on Alipay.

When borrowing, you can repay the loan on time, and there is no malicious default, so when Alipay evaluates the account situation in the next month, it will give a certain increase in sesame points.

Secondly, in addition to people with good credit, there is actually a very important point that can improve the sesame points, that is, personal consumption behavior, if you often use Alipay for offline payment, or online shopping, as well as daily recharge, payment, etc., in the case of frequent use, then the sesame points will gradually increase.

Finally, Alipay pays attention to real-name authentication.

Generally, it is not difficult for those who have completed their personal information to get a credit score, such as education, job, school, etc., which are basic personal identity proofs.

Free credit card can come to me.

1. People with good creditSince the credit score is definitely related to the user's credit, if the user can keep the contract every time, the credit is very high, and in the long run, it is easier for the sesame credit score to reach 700 points;

2. The number of uses is relatively frequent, and the turnover is relatively large, which proves that the user's spending power is very strong, so the credit score** will also be very fast.

3. Users with relatively complete informationThe more complete the information, the higher the Sesame Credit score, and it is easier to reach more than 700 points.

Sesame Credit Score Rules

With the authorization of the user, Sesame Credit Score comprehensively processes and evaluates the data of each dimension based on the user's data of various dimensions (covering scenarios such as financial lending, transfer and payment, investment, shopping, travel, accommodation, life, public welfare, etc.), using cloud computing and machine learning technologies, and through model algorithms such as logistic regression, decision tree, random forest, etc.

The comprehensive score of personal credit status is objectively presented in five dimensions: user credit history, behavioral preferences, performance ability, identity traits, and personal relationships. Scores range from 350 to 950. 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.

They are all ordinary people, and I am one of them, and every time you fulfill the contract, you can improve your score, and you are not a rich person when you move up the ranks. It's still not recommended to use Huabei and the like, and after a long period of advanced consumption, I really feel that it's not my own money.

Many people with good credit can achieve a Sesame Credit score of 700 or more.

As long as you usually use Alipay to receive and pay.

Huabei borrows and repays on time, etc.

What is your Sesame Credit? What kind of people are users with a score of 700 or more?

People with a Sesame Credit score of 700 are not very good people, they are around everyone, in fact, the reason why their Sesame Score can reach 700 points is because some of their behaviors are very consistent with the scoring standards of Sesame Credit.