What is the standard of historical credit in Sesame Credit Score?

According to Ant Financial's criteria: 350-550 is on a poor scale, 550-600 is moderate, 500-650 is good, 650-700 is excellent, and 700-950 is excellent.

There are five factors that affect Sesame Credit Score:

Identity traits, credit history, behavioral preferences, performance capabilities, and connections.

The fuller the user's performance in these five aspects, the better the credit.

To put it in more detail, the user's basic information (age, gender, occupation, family status, etc.), registration information (registration method, real-name authentication, registration duration), interest preferences (consumption scenarios, consumption levels, whether they are willing to share), payment and funds (credit account history duration, number of credit cards, bank card type, average pen limit), network relationship (network credit, activity, number of fans, influence), blacklist information (whether there has been cheating transactions, whether there has been fraud, Whether there is a bad record of public security and law) and external applications (whether there is a credit card overdue repayment record, whether it is a malicious user of an external merchant, etc.) are the basis of the user's credit score.

Sesame Credit's data** has four major directions. The e-commerce data comes from Alibaba, the internet finance data comes from Ant Financial, as well as many cooperative public institutions and partners, as well as various user independent information submission channels.

At present, Sesame Credit is divided into 5 levels.

Supplementary information: 1. Sesame credit score is divided into 5 levels:

Level 1 credit is excellent: sesame scores range from 700 to 950.

Second-level credit excellent: sesame score between 650 and 700 points.

Level 3 Good Credit: Sesame Score between 600 and 650 points.

Fourth-level credit medium: sesame score between 550 and 600 points.

Grade 5 has poor credit: sesame scores range from 350 to 550 points.

2. Introduction to the use of Sesame Credit:

Sesame 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, rentals, travel, marriage and love, classified information, student services, and public utility services.

3. Analysis of credit rating authority:

1. First of all, users between 350 points and 550 points, this is the lowest level of Sesame Credit, generally new users or people who have been deducted points for using Alipay in violation of regulations, credit is not very good, users at this stage can basically only use some basic functions of Alipay, such as quick payment, quick transfer, credit card repayment, payment of water and electricity bills, etc.;

Points-600 points of users, the level of credit is medium, belongs to the normal use of Alipay users, the level of users credit is average, but can also enjoy some benefits, such as free deposit to stay in the hotel, in addition, the more important point is that only the credit score of more than 550 points can open Huabei, which is still very attractive to many people.

Score between -650 points, users with good credit can enjoy deposit-free services when using shared transportation, such as rent-free shared bicycle hello deposit, rent-free deposit, etc.

Between the score and 700 points, it is called excellent credit, and you can enjoy the high amount of treatment of Huabei and borrowing.

A score of -950 is the highest level, with excellent credit, and you can get convenience when applying for visas to some countries, and you can directly apply for a Singapore visa if you reach more than 700, without having to submit a lot of information such as proof of assets, proof of employment, household registration book, etc.

Sesame Credit.

It is divided into 5 grades: 350-550 points, with poor credit, which belongs to the lowest grade; 550-650 points, medium credit, belonging to the medium level; 650-700 points, good credit; 700-750 points, excellent credit; 750-950 points, excellent credit.

Many of Alipay's services rely on Sesame Credit scores, and usually, the higher the score, the more benefits you will enjoy. There is also the familiar Huabei.

Borrowing and sesame credit scores are also closely related, under the same conditions, the higher the sesame credit score, the larger the amount of Huabei and borrowing will usually be.

Sesame Credit is divided into 5 levels:

550 points, poor credit, belongs to the lowest grade;

650 points, medium credit, belonging to the medium level;

700 points, good credit, 650 points or more can apply for a lot of loan platforms;

750 points, excellent credit, you need to be very trustworthy to achieve;

950 points, excellent credit, this part of the people are high-quality users of Alipay.

Benefits: 1. Deposit-free service.

Many people can enjoy the deposit-free service, because as long as the Sesame Credit score reaches 550 points and above, you can enjoy a part of the deposit-free service. A Sesame Credit score of 550 is easy to achieve, as long as you use the following Alipay occasionally, and there are no violations, it can generally be reached. The deposit-free service is a good benefit for users, hotel accommodation, and shared bicycles.

Rental (power bank.

umbrellas, etc.) do not need to pay a deposit, which not only saves you the trouble, but also does not have to worry about being cheated.

2. Enjoy the service first and pay later.

The first to enjoy and pay later service is to try first, pay only when it is suitable, and return it if it is not suitable. The quality of the goods purchased through the Pay Now Pay Later service is better because the merchant must guarantee the quality, otherwise it will be returned after the trial. Through the first to pay later service, users can place an order of 0 yuan, experience it for free for 7 days, pay if they are satisfied, and return if they are not satisfied.

3. Visa services.

The traditional visa application is very troublesome, and the most cumbersome thing is that it requires a series of financial proofs and multiple bank visits. The sesame visa report can replace the proof of financial resources, eliminating the most cumbersome part of the visa process, saving worry and effort. Of course, it is useless for people who have never been abroad.

The visa service requires a Sesame Credit score of 700 or above to be available.

Sesame Credit scores range from 550 to 900 points, so Sesame Credit Scores can be divided into 5 levels.

Highest grade: Sesame score is 750-950 points, which is an excellent credit rating, accounting for only 20%. But people who can score more than 800 points are either highly educated or make a lot of money, or executives or bosses or the like, in short, they are the top people of the crowd, accounting for only 5%.

Level 2: Sesame scores are 650-750 points, and this level has excellent credit, accounting for 30% of the total. People at this level are relatively high in terms of consumption income.

Level 3: Sesame scores are 600-650 points, and this grade has good credit, accounting for 25% of the total. Small white-collar workers are a group of people with a significant level of this level, and they usually have a certain amount of consumption, but their income is not particularly high.

Level 4: Sesame scores are 550-600 points, and this level has medium credit, accounting for 20% of the total. There are deposits on Alipay, and there are also ** shopping habits, and the typical crowd is ordinary people.