What's the use of sesame credit score? How to eliminate the negative record of sesame credit?

In recent years, Alipay, as a financial product of mobile payment, has become more and more close to people's lives. In the era of data dominance, cooperative institutions from all walks of life increasingly rely on Alipay's sesame credit. Sesame credit score not only comes from the data paid by mobile platform, but also covers courts, loans and e-commerce. So specifically, what is the use of sesame credit points? In life, if there are negative records, how to eliminate them?

1. What is the sesame credit score?

Sesame credit score is an evaluation of the possibility of personal performance in various business scenarios, representing a person's performance ability and willingness to perform. Sesame credit scores range from 350 to 950. The higher the sesame score, the better the credit level, and the higher the sesame score can help individuals get more efficient and better service.

Sesame credit score is mainly evaluated through the following five dimensions:

1. Credit record refers to the record of keeping promises in the past, including timely repayment of ant flowers and borrowing flowers, taking public transportation, paying water and electricity property fees, etc. Used for travel, hotel and e-bus subway cards;

2. Identity characteristics, in addition to real identity information, education and vehicle information, as well as real-name comprehensive information of other professional platforms will be included in the assessment scope;

3. Performance ability refers to a person's stable economic source and personal assets; Including movable property, real estate, housing, automobiles, social security, provident fund and consumer assets;

4. Behavior preference is a long-term and stable consumer behavior feature, and the frequency of using Alipay is also a measure;

5. Interpersonal relationship refers to the intimacy and stability of friends' relationship, including the influence in interpersonal communication and the credit status of friends.

Second, what is the use of sesame credit score?

Specifically, a high sesame credit score has the following advantages. One is to enjoy the right of free deposit in the services related to Alipay. For example, * * * enjoys bicycles, cars and some rental platforms.

1.600 or above: Yong 'an City bicycles can be rented without deposit; Ali traveled to many hotels to enjoy credit accommodation; Ali travels to Shenzhen OCT first, and then pays; Reduce the rental deposit in Yu Xiang; Enjoy the number of flower beds;

2.650 points or above: You can enjoy the car rental of Youbai Bicycle, Car Inc. and Yiyi without deposit; Apply for online loan in installments;

More than 3.700 points: you can apply for a loan, enjoy shopping first and then paying, and the phone bill is overdrawn;

Above 4.750 points: It is convenient to apply for a Canadian visa or loan to buy a car.

3. What is the negative record of Sesame Credit Score?

As a third party, Sesame Credit has specific negative records provided by merchants or related institutions. Once our negligence causes negative records, it will not only affect sesame scores, but also produce credit stains, which will further affect our financial lending and life services. So, what are the negative records of Sesame Credit Score? Specifically includes the following aspects:

1. Negative legal record: the disclosure of untrustworthy information submitted by the court, such as entering the list of untrustworthy people. After the Supreme People's Court and Sesame Credit signed a memorandum of cooperation on credit punishment for those who have broken their promises as early as 20 16, the people who have broken their promises will be restricted to some extent in applying for loans, financing and shopping through the Internet.

2. Negative financial records: in fact, they are records of overdue loans, including cash loans overdue, installment of consumption, overdue bank credit cards, etc.

3. Life-related negative records: Except for financial and court-related negative records, all other negative records belong to life-related negative records, including overdue payment of business expenses, online hotel reservation, non-check-in, taking a taxi, etc.

Fourth, how to eliminate negative records?

According to the Regulations on Credit Management, the retention period of personal bad information by credit reporting agencies is 5 years from the date of bad behavior or time suspension. If it has been more than 5 years, the credit reporting agency shall delete it. Therefore, the negative record of sesame credit will be automatically eliminated after 5 years from the date of re-performance. It is worth noting that negative life records will be automatically eliminated after 2 years.

If you have a negative record due to negligence, don't panic. Doing the following can help us eliminate negative records.

First of all, if there are anomalies, errors and debts have been paid off (fulfilling obligations), you can contact the provider of negative information for consultation or appeal. Secondly, check your negative records and default regularly. Take remedial measures in time after discovery. For example, credit card overdue repayment; If you enter the list of untrustworthy people, solve it through relevant channels in time.

In life, we should also develop good behavior. For example, after using * * * to enjoy bicycles, * * to enjoy charging treasures and other services, return them on time and repay financial products such as credit cards, loans and flower beds on time; Pay water, electricity and coal fees on time; Use more credit services and abide by contracts. Credit is embodied in every bit of life. Good credit performance records can enrich our credit records, and at the same time, they should be used as needed and moderately.