1. Improve the credit information as much as possible. At present, sesame credit information includes three aspects: the first is basic information. Have personal ID card, passport, school information and driver's license. The second is the job and all kinds of certificates related to the job. Have job information, professional information, practice information and other skills certificates. Generally speaking, all kinds of qualification certificates you have obtained can be uploaded to improve your credit value.
The third is assets. You can add a driver's license if you have a car, a real estate license and a real estate license if you have a house, and provident fund information if you have a provident fund, so as to improve the above information. I believe your Sesame Credit Branch will reach a new level.
2. Bind credit card payment and repayment, so that your credit history will form a conscience cycle. The backstage will analyze your trustworthiness to gradually improve your score.
Pay more with Alipay to improve software utilization; Conditional flower buds can be used on the platform, repay on time, and improve credit scores; Use Alipay applets, such as Hello Bike, to keep appointments on time and accumulate.
3. The third point is the key to quickly improve the score, that is, in Sesame Credit, it will give you a reward package from time to time. When the task reaches 100%, the score will also increase. It should be noted that according to Bian Xiao's observation, the bonus package will not be pushed, and you need to click into Sesame Credit to find it.
When there is no problem with the specific push, just click in and have a look, so that your Sesame Credit Branch will continue to rise rapidly.
Bai Hua's credit score was lowered due to the expiration of sesame seeds. Can it be recovered?
Of course.
According to the comprehensive consideration of consumers' online shopping, payment habits and credit risks, Ant Flower Garden grants users spending quotas ranging from 500 to 50,000 through big data calculation and risk control models.
The amount of ant flower buds is rewarded according to the behaviors such as consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quota is also dynamic.
When users behave well within a period of time and meet the withdrawal policy, the corresponding amount may be increased. Ant flower beds cannot be opened or raised by others. Please don't trust others and don't disclose personal information.
Flowers that are maliciously overdue will have a bad record:
From the interest point of view, although the interest rate of third-party lending platforms is not the lowest, many young people like to borrow money from them. The reason is that, on the one hand, compared with bank lending, Alipay, WeChat and other lending procedures are very convenient, and you can apply with your finger on your mobile phone and get it immediately;
On the other hand, many people think that if you borrow money from Alipay and WeChat, once you can't repay it in time, you won't go to the bank's credit information system like a bank loan, leaving a credit stain, which will lead to no loan when you buy a house in the future.
But in fact, this may not be the case.
The reporter noticed that "Ant Borrowing" claimed that "overdue records will be recorded in Sesame Credit and uploaded to the basic database of financial information according to regulations"; And "Ant Flower Garden" also said that "overdue repayment will generate corresponding overdue interest, and overdue records will be submitted to Sesame Credit, which will affect Sesame Score and may adversely affect your credit."
In this regard, the reporter recently consulted Alipay customer service, and the other party said that if it is purely "flowers" and "borrowing", it will not be reflected in the central bank's credit record at present. However, if it is seriously overdue, then this overdue record is likely to be reported to the central bank's credit information system.