Music letter or public letter is better?

According to my personal situation, the credit of Lexin and Zhong Shi is not bad.

Zhong Shi Credit refers to Zhong Shi Credit Management Co., Ltd., whose main business includes: credit risk assessment and consultation; Enterprise or individual credit repair consultation; Acquisition, disposal and management of non-performing assets; Entrusted by the bank to collect money from loans overdue households and credit card overdraft households (excluding financial services, the service must provide the entrustment agreement of the bank); Cloud computing, network technology, communication technology, accounts receivable management outsourcing services; Software system development; Corporate image planning services; Development and construction of e-commerce platform; Software internet sales and so on.

Lexin Lexin (NASDAQ: LX) was established on August 20 13. It is a leading new consumer digital technology service provider in China, constantly creating new consumption patterns through technological innovation, and creating a new ecology of consumer services with staged brand music, digital full-scene staged product music cards, cross-ecological membership rights aggregation platform music cards, smart contract consumer products, and products to be enjoyed first and ducks to be paid later as the core. Open up online and offline consumption scenarios, assist users in consumption, help businesses improve their business capabilities through science and technology, help China accelerate the construction of new commercial civilization, and promote the healthy and vigorous development of China's economy.