How to Improve Sesame Credit Score Quickly

1, live within our means, repay credit bills in time, and have a good habit of using credit products. Establish credit consumption files, such as applying for credit cards and consumer loans. When using these credit products, don't blow up the credit line. If you borrow money to spend or use a credit card, you should repay the credit card bill in time.

2. Pay attention to personal credit accumulation. For example, pay water, electricity, gas, property and other expenses on time, spend more on my account, put a little credit in my name, and use more recordable electronic consumption and financial management. Under appropriate circumstances, you can choose to use credit services, such as credit card, credit residence, deposit-free car rental, etc.

3. Perfecting personal information can also increase personal credit, including updating personal information such as education and work in time, while maintaining a stable address and contact information. In addition, doing more social welfare also helps to improve personal credit. Improving credit is a step-by-step process, which can not be improved rapidly through a single act or event, and needs long-term accumulation and attention.

Extended data:

Sesame credit score (sesame credit score for short) is based on users' 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.

Comprehensively process and evaluate the data of each dimension, and objectively present the comprehensive scores of personal credit status in five dimensions: user credit history, behavior preference, performance ability, identity characteristics and personal connections. Scores range from 350 to 950.

Continuous data tracking shows that the higher the sesame score means 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.

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