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Whether the short message at the beginning of 1069 is true or not depends on the specific situation, and it is impossible to directly judge whether it is true or not. If you did apply for an online loan recently, but didn't repay it on time, then receiving this message may be a real reminder. If you haven't applied for an online loan or failed to repay it on time, it may be a false message sent by a liar.

In order to determine the specific situation, you can obtain a detailed risk report through the credit inquiry tool. For example, using the credit inquiry tool "balloon search" can help you clearly understand the recent online loan application, timely repayment and whether the identity information is suspected by online loans. Such tools can be compared through online lending big data and provide reliable risk reports.

To sum up, if the short message you received at the beginning of 1069 was sent according to your specific online loan application and repayment situation, and the risk report obtained through the credit inquiry tool also shows the relevant situation, then this short message may be a real reminder. However, if you don't have any related online loan application or repayment, and you don't find any relevant information through the credit inquiry tool, then it may be a forged short message sent by a liar.