How to improve sesame credit

The methods to improve sesame credit are as follows

1. Pay water, electricity, gas (natural gas), property and other expenses on time;

2. Make more friends with good credit (or high consumption);

3. Live within our means and spend money in a planned way;

4, often use the flower garden to shop, use the loan and repay it on time; Pay back the credit card with Alipay;

5. Improve personal information, including education and work experience;

6. Support public welfare projects on Alipay, such as ANT FOREST, Ant Manor, love donation, etc.

In other words, frequent use of Alipay related services and timely repayment can not only enhance credit, but also enjoy more services.

Extended data

Scoring rules

Sesame credit score is based on the user's data in various dimensions (including financial lending, transfer payment, investment, shopping, travel, accommodation, life, public welfare and other scenarios), using cloud computing and machine learning technology, through logistic regression, decision tree, random forest and other model algorithms, to comprehensively process and evaluate the data in various dimensions.

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 service and other scenarios. Higher sesame score can help individuals get more efficient and better service.

Composition of sesame credit score:

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

(2) Behavior preference: preference and stability in shopping, payment, transfer, financial management and other activities;

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

(4) Identity: sufficient and reliable personal basic information left in the process of using related services;

(5) Personal relationship: the identity characteristics of friends and the degree of interaction with friends.

What is the use of Alipay Sesame Credit Score? What are some ways to get extra points?

Baidu encyclopedia-sesame credit