1. Ways to improve sesame score: develop good credit habits in daily life, avoid excessive consumption, pay all kinds of bills on time, pay water, electricity and gas bills in time, maintain certain Internet consumption, and expand offline payment scenarios, such as restaurants, supermarkets, convenience stores, take-away, etc. Credit improvement is a gradual process.

2. The promotion of credit is a long-term process, and it will not change much in a short time, so it is impossible to do it overnight. Failure to increase the score does not mean that the credit is not good, but that the credit score is more stable and objective. It is recommended to continue to maintain good credit behavior, and long-term and stable trustworthy behavior will make your sesame score steadily improve.

3. Sesame score is a score that objectively presents personal credit status in five dimensions, namely, user credit history, behavior preference, performance ability, identity characteristics and personal connections, under the authorization of users, by comprehensively applying technologies such as cloud computing and machine learning, and through model algorithms such as logistic regression, decision tree and random forest. Extended information

Reasons for not increasing Alipay Sesame Credit Score:

(1) Personal information is incomplete. Personal information includes relevant identities. Rich and true information about study and professional experience, as well as real-name consumption behavior, are one of the important factors in sesame score evaluation. For example, academic certificates, provident funds, real estate, vehicles and other information have not been uploaded, because the information is incomplete, so the understanding is relatively small and one-sided, which also has a certain impact on the score.

(3) The use of credit services is overdue. For example, after using the deposit-free charging treasure, remember to return it; And keep the appointment on time, which also helps to accumulate credit.

(3) The account activity is not enough: Alipay can be used frequently to pay the water, electricity, coal and gas charges and repay the credit card on time.

(4) Credit is a process of continuous accumulation. If the score does not rise, the score will be stable, which also means credit stability.

Reference: Alipay-Understanding Sesame Score

Reference: Alipay-Sesame has a low credit score. What is the reason?