The credit report issued by Shenzhen Baiqian Finance is true and false.

The credit report issued by Shenzhen Baiqian Finance is false and requires personal consent.

It depends on the content of the notification letter, and it needs to be verified before making a decision.

Baiqian Finance is connected with the credit information system of the central bank. If the user loans overdue, will be directly registered in the personal credit record. In Baiqian Finance, no matter whether users apply for installment loans or cash loans, as long as users are overdue, they will report credit information, which will affect users' personal credit, and the platform will continue to charge users overdue fines.