What is the reason for the poor credit of Sesame?

According to the different sesame seeds, it can be divided into multiple grades. Alipay sesame scored a minimum of 350 points and a maximum of 950 points. However, if the sesame credit score does not rise, it may be these reasons, such as imperfect personal information, high personal credit consumption, low frequency of Alipay use, overdue use of credit services and so on.

If you want to improve the credit score of sesame, you can develop good credit habits in your daily life, avoid excessive consumption, pay all kinds of bills on time, and pay water and electricity bills in time, all of which will help to improve the credit score of sesame.

Extended data:

Sesame credit is the score of personal credit judged by Alipay Ant Financial, which can reflect the comprehensive credit of users and directly affect the benefits that can be enjoyed on Alipay.

Scoring rules

Sesame Credit Score (Sesame Credit Score for short) refers to the comprehensive processing and evaluation of data in various dimensions (covering financial lending, transfer payment, investment, shopping, travel, accommodation, life, public welfare and other scenarios) by using cloud computing and machine learning technologies under the authorization of users. , and can comprehensively process and evaluate the data from the aspects of user credit history, behavior preference and performance ability.

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:

Credit records: past credit account repayment records and credit account history;

Behavioral preference: preference and stability in shopping, payment, transfer, financial management and other activities;

Performance ability: stable economic sources and personal assets;

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

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

Sesame Credit will not collect personal information such as users' chats, text messages and phone calls, nor will it collect and track users' comments on social media. Even with the authorization of users, only the necessary and effective data of various dimensions related to economic credit evaluation are collected.

Unless otherwise stipulated by laws and regulations, the collection, collation, processing and output of user information, whether it is Sesame Credit or a third-party cooperative organization, must be authorized by the user. Without the authorization of the user, neither Sesame Credit nor the partner can call the user's data.

All data are calculated by scientific scoring model, and there is no manual contact. The system will also automatically desensitize sensitive data through operating rules.