Whois & Analysis for creditsesame.com

Credit Sesame is a web-based freemium tool that provides consumers with a free credit score.

No credit card or subscription is required to register or obtain the credit score, which is updated monthly.

More frequent credit score updates and other features like identity monitoring are offered at a cost.

A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of the US citizen.

A credit score is primarily based on a credit report information typically sourced from credit bureaus.

Sesame Credit is a social credit scoring system being developed by Ant Financial Services Group, an affiliate of the Chinese Alibaba Group and associate of the Chinese government.

It uses data from Alibaba's services to compile its score, which include two services that have been described as the equivalents of Twitter and Facebook in China and another service that has been described as the equivalent of Amazon and eBay.

The score is used to rank citizens of China based on a variety of factors like loyalty to the Chinese government and loyalty to Chinese brands based on social media interactions and online purchases.

The rewards of having a high score include easier access to loans, easier access to jobs and priority during bureaucratic paperwork.

Likewise, the immediate negative consequences for a low score, or being associated to someone with a low score, range from lower internet speeds to being denied access to job offers, loans and bureaucratic paperwork.

The system has been labeled a mass surveillance tool and mass disciplinary machine by organizations specialized in human rights.

This article deals with the general concept of the term credit history.

For detailed information about the same topic in the United States, see Credit score in the United States.