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芝麻信用:芝麻分不是积分,不会一直上涨

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2020-04-12 14:12:05 转载来源: IThome

站搜网4月11日消息 你有没有好奇过你的芝麻分一直不涨是什么原因,官方今天给出了说明。芝麻信用官微称,芝麻分不是积分,是对你的中长期综合信用评估,“不是积分当然不会一直上涨,要是能一直上涨,到时候人人都是满分

站搜网4月11日消息 你有没有好奇过你的芝麻一直不涨是什么原因,官方今天给出了说明。

芝麻信用官微称,芝麻分不是积分,是对你的中长期综合信用评估,“不是积分当然不会一直上涨,要是能一直上涨,到时候人人都是满分。”

芝麻信用还解释了为什么一直按时履约积累信用不涨分,这是因为,一直做同样几件事=行为稳定=数据无波动=评估结果一样。官方还称,保持稳定也是信用良好的表现,毕竟表现不好的都降分了。

站搜网了解到,芝麻信用分是芝麻信用对海量信息数据的综合处理和评估,主要包含了用户信用历史、行为偏好、履约能力、身份特质、人脉关系五个维度。芝麻信用基于阿里巴巴的电商交易数据和蚂蚁金服的互联网金融数据,并与公安网等公共机构以及合作伙伴建立数据合作,与传统征信数据不同,芝麻信用数据涵盖了信用卡还款、网购、转账、理财、水电煤缴费、租房信息、住址搬迁历史、社交关系等等。

标签: 芝麻 信用 不是 积分 不会 一直 上涨


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