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How to improve sesame credit score? What is the highest credit score of sesame?

On January 28, 2015, sesame credit began to conduct public test among some users. Sesame credit score was born out of the sky, using numbers to show their credit ability, so do you know how to improve sesame credit score? What's the impact of sesame credit score decline?

How to calculate sesame credit score?

According to the official website of sesame credit, sesame credit score is calculated from five dimensions. The proportion of different dimensions is different, and the proportion is from high to low in order:

Credit history (35%);

Performance capacity (25%): comprehensive assets information, that is, the balance of Alipay account, Yu Ebao balance, whether there is room and car, etc.

Behavior preference (20%): account activity, consumption level, payment level, consumption preference, etc;

Identity traits (15%): education background, address, real name consumption behavior, etc;

Interpersonal relationship (5%): influence in interpersonal communication and 'quality' of friends.

Sesame credit rating:

Sesame credit score is measured by sesame score, with the lowest score of 350 and the highest score of 950. The higher the score, the better the credit:

350-550: poor credit;

550-600: medium credit;

600-650: good credit;

650-700: excellent credit;

700-950: excellent credit.

If we classify the credit score according to the sesame credit score and regard the score in 350~550 as the cock wire, the score above 700 can be regarded as "handsome handsome" in the eyes of Alipay.

Sesame credit points strategy

Credit history:

Use Alipay's credit card repayment function and repay it in time.

Use the credit function of ant gold suit, such as Alipay's borrow, borrow, flower and so on, and repay in time.

If you can use Alipay to pay your utilities, you will try to use Alipay to pay for it.

Performance capacity:

Improve the frequency of buying financial products in Alipay, such as balance treasure, recruit treasure, etc.

Behavioral preferences:

More transfers and red packets at Alipay.

Improve the level of consumption, do not always buy and write cheap goods in a certain treasure;

Identity traits:

Complete the personal information in sesame credit page;

Contacts:

Use Alipay family account;

Use Alipay's group chat function.

What is the effect of sesame credit reduction?

The decrease of sesame credit score will affect the credit consumption and loan, such as Huabai and loaning. If the decrease of sesame credit score, the quota may decrease, or even directly lose the qualification to use it. The higher sesame credit score, the more services you will receive, such as rent free car rental with more than 650 scores, or rent preference. If the score goes down, you won't get the benefits. In addition, sesame scores have dropped too much, which may lead to dishonest executors, which is often called "Laolai". When Laolai feels bad, it will be limited in many aspects in the future.