Alipay will come back from the branch to repair sesame seeds. After Alipay's overdue repair, Sesame Credit will not increase within one year, increase by one point per month after one year and increase by three points per month after the 25th month.

To view the sesame credit score, Alipay needs to open the Alipay APP, click the "My" icon in the lower right corner, then click the "Sesame Credit" option, and finally click the "Up Score" option. Sesame credit score will not necessarily rise after repair, and the essence of sesame credit score repair is to re-evaluate sesame credit score. The recovery of sesame credit score does not mean that it will increase or recover. After the user fixes the sesame credit score, if the evaluation score has not changed, it is usually because the user's previous overdue record is not serious and the score has not been lowered, so the repair will only not change the score. Nevertheless, after the overdue records are fixed, it will continue to help users evaluate the sesame credit score.

Can sesame get more points after overdue repair?

Sesame score does not necessarily rise after overdue repair.

Although the negative record has been fixed, the sesame score will rise only if the user's sesame credit accumulates more good credit records. Sesame scores, which were previously reduced due to negative records, will not pick up for the time being. In addition, the negative records that sesame seeds can repair are very limited, and there are strict regulations.

Users only have the opportunity to increase their sesame score if they guarantee to return Alipay's loan products on time and have no record of default in their daily life.

First, the meaning of loans overdue

Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.

Second, how to control loans overdue?

1. Preliminary review of customer qualification by the review post

As the first line of defense of loan risk, the review post should pay attention to the acceptance process and be vigilant. Examining the completeness, completeness and compliance of the application materials submitted by the applicant; Whether the applicant's subject qualification meets the relevant business requirements of our bank and whether it has a bad credit record; Whether the loan purpose is in line with our credit policy and whether it is specific;

2. Approval of loan information by members of the loan review committee

The members of the loan review committee may be the post of microfinance business supervisor of tier-one branches with certain experience, post-lending management post of microfinance institutions and microfinance business supervisor. As the second line of defense against loan risks, the quality of the loan review meeting will directly affect the risks in loans overdue, and also affect the quality of investigation and review.

3. Post-loan inspection and loan collection

Although post-loan management is a relatively low-risk link in the loan process, it can not be ignored. Only by grasping this last line of defense and not relaxing can we truly resist the loan risk. Post-lending inspection is an important part of post-lending management, including initial post-lending inspection, routine post-lending inspection and special post-lending inspection. The main means used are telephone, face-to-face, on-the-spot inspection, inquiring about the credit information system of the People's Bank of China, and detecting repayment account numbers.

Excuse me, does the successful restoration of sesame seeds mean that it is not overdue?

No, if the loan is repaired after the deadline, the sesame score that was reduced before the deadline can be restored to the previous score, but the record of reporting to the central bank for credit investigation after the deadline cannot be revoked. Therefore, even if the loan is repaired after the deadline, there will still be overdue records on the credit information, which can only be eliminated after 5 years from the date of paying off the loan.

Can the overdue record of sesame repair restore sesame points?

Of course. Exchange sesame seeds for rights and interests, click Use, and select the corresponding order for repair. The exchange ratio is: 30 sesame seeds = 1 equity. Sesame score is a complex credit product, which is mainly based on users' consumption, trustworthiness, activity and financial management in recent months to a year. It cannot be adjusted manually.

One; Understanding "credit" from a legal perspective actually has two meanings. First, it refers to a relationship between the parties, but if the rights and obligations of both parties stipulated in the "contract" were not delivered at that time, there would be credit if there was a time lag; The second meaning refers to the rights and obligations enjoyed by both parties according to the "contract".

Second; There are two points to understand this level of credit. First, this "contract" can be regarded as an economic contract in a narrow sense, ranging from a supply contract between two enterprises to hundreds of millions of debts between two countries; It can also be regarded as a broad social contract, such as the contractual relationship between you and your parents. Your parents have an obligation to bring you up, and you have an obligation to support your parents. Second, another very important feature of this "contract" is that it is not delivered immediately, which is also a necessary condition for legal credit. If the rights and obligations are realized at the same time, then it does not constitute credit, and there must be a certain time difference between them before credit will appear.

Third; Consumer credit refers to the transaction relationship of goods or services with the promise of future payment as the condition. In fact, consumer credit has a long history as a trading tool in the market economy. After World War II, science and technology advanced by leaps and bounds, and productivity was greatly improved. In order to sell goods, businessmen have designed many innovative marketing methods, such as installment payment, credit card, credit card and so on. The emergence of consumer credit has expanded the market scale and enabled consumers to enjoy what they want in advance.

According to the purpose of credit, consumer credit can be further divided into retail credit and cash credit.