Why Is My Credit Score Zero Sesame Credit

Why Is My Credit Score Zero: Sesame Credit

In recent years, credit scoring systems have become increasingly popular and important in determining an individual’s financial health and trustworthiness. In China, one of the most well-known credit scoring systems is Sesame Credit, operated by Ant Financial, an affiliate of the Alibaba Group. However, for some individuals, the question remains: why is my credit score zero? In this article, we will explore the factors that might lead to a zero credit score on Sesame Credit and answer some frequently asked questions.

Factors influencing a zero credit score on Sesame Credit:

1. Lack of credit history:
One of the primary reasons for a zero credit score is the absence of a credit history. If you have never taken out a loan, used a credit card, or engaged in any other form of credit activity, Sesame Credit may not have enough data to assess your creditworthiness. In such cases, the credit scoring system may assign a score of zero until it gathers enough information to evaluate your financial behavior.

2. Limited financial activity:
Even if you have engaged in some financial activities, if they are limited or infrequent, it can result in a zero credit score. Sesame Credit evaluates factors such as how frequently you borrow, repay loans, or use credit cards. If you have only sporadically borrowed money or made irregular credit card payments, it may suggest a lack of financial stability and result in a zero credit score.

3. Late or missed payments:
Consistent late or missed payments on loans or credit cards can significantly impact your credit score. Sesame Credit considers your payment history as an essential factor in determining creditworthiness. If you have a history of late or missed payments, it can lead to a zero credit score or a lower score than expected.

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4. High credit utilization ratio:
A high credit utilization ratio, which is the proportion of your available credit that you use, can negatively affect your credit score. If you frequently max out your credit cards or use a significant portion of your available credit, Sesame Credit may interpret it as a sign of financial stress and assign a lower score, possibly even zero.

5. Negative public records:
Public records, such as bankruptcies or court judgments, can significantly impact your credit score. If you have any negative public records associated with your financial history, Sesame Credit may assign a zero credit score due to the potential risk you pose to lenders.


1. Can I improve my Sesame Credit score if it is zero?
Yes, it is possible to improve your credit score on Sesame Credit. Start by establishing a credit history by opening a bank account, obtaining a credit card, or taking out a small loan. Make regular payments and maintain a low credit utilization ratio to demonstrate responsible financial behavior.

2. How long does it take to build a credit score on Sesame Credit?
Building a credit score takes time and consistent financial activity. It may take several months or even years to establish a credit history and achieve a score on Sesame Credit.

3. Does Sesame Credit consider non-financial factors?
Yes, Sesame Credit considers various non-financial factors, such as online shopping behavior, social connections, and utility payments. These factors are used to assess an individual’s overall trustworthiness and reliability.

4. Can I access my Sesame Credit score for free?
Yes, individuals in China can access their Sesame Credit scores for free through the Alipay mobile app. The score is displayed on a scale of 350 to 950, with higher scores indicating better creditworthiness.

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In conclusion, a zero credit score on Sesame Credit can be attributed to factors such as a lack of credit history, limited financial activity, late or missed payments, high credit utilization ratio, or negative public records. However, individuals can improve their credit scores by engaging in responsible financial behavior, building a credit history, and maintaining a healthy credit utilization ratio.