Sesame Points, a personal credit scoring system launched by Alibaba's Ant Financial, plays a pivotal role in today's digital financial ecosystem. How to effectively improve this score has become the focus of many users. Below, I'll share a few practical strategies to help you improve your sesame score.
An in-depth understanding of the scoring mechanism is a prerequisite for improving sesame scores. Sesame Points considers factors such as the user's credit history, ability to perform the contract, overdue status and completeness of personal information. These factors are intertwined and together determine your credit score. Once you understand these criteria, you'll be able to optimize the relevant aspects in a targeted manner.
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It is essential to maintain a good record of the use of financial products. This includes, but is not limited to, timely repayment of credit cards, loans, and other financial products. Every time you repay your debts on time, you prove your financial responsibility and credit reliability to the Sesame Subsystem. This is a good track record that will gradually improve your credit score.
Completing personal information can also help improve sesame points. In the profile section of Sesame Points, filling in your educational background, job information, etc. in a detailed and accurate manner can increase the evaluation dimension of the system, which may lead to an increase in ratings. Remember, honesty is the principle and ensure the authenticity of all information.
The record of living expenses also affects sesame points. If you can pay your daily utility bills, rent and other bills regularly through platforms such as Alipay and maintain a good payment record, this will have a positive impact on your credit score. The system will consider these stable payments as a sign of performance.
Reducing unnecessary credit inquiries is also key. Frequent credit inquiries may be interpreted as a signal of financial stress, negatively impacting sesame points. Therefore, it is wise to make a credit inquiry when necessary to protect your credit score.
Rational use of credit products is also an effective means to increase sesame points. Spending modestly on your credit card and making full and on-time payments can help you build a positive credit history, which in turn can help improve your sesame score.
Maintaining good online shopping practices should not be overlooked. When shopping online, try to complete transactions and pay in a timely manner to avoid disputes and complaints, which will have a positive impact on your credit score.
Improving sesame points is not achieved overnight, but requires continuous financial management and good credit behavior. If you can stick to the methods mentioned above for a long time, I believe your sesame score will improve. Remember, good credit is a valuable intangible asset that can bring you more convenience and benefits in various financial activities. So, from now on, let's work together to keep improving our sesame points!