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Messages - Osito

Investors - LC / Has anyone seen this
« on: May 22, 2017, 11:00:00 PM »

I have 3 loans that are 31-120 days late now while looking through these I see the main memo (payment solution specialist tried to contact no message left)

Now on 2 of these in between there are other memos that say letter sent account seriously over due.

The odd thing is no payments were tried to be taken out what so ever.  But on one where the same message is (payment solution specialist tried to contact no message left). The only difference between this one and the other 2 is someone at least tried to get the payment from the bank as this is the only note that has 2 payment failed in it.

Wouldn't one think that all three would have at least 2-3 payment failed in it and not just the one?

Had another that was also past due 31-120 days late now reads current all messages say same thing (account specialist tried to contact no message left). Except the most recent line that said (account specialist made contact borrower promised to pay). Yet when borrower actually paid I am charged along with others .12 cents for fees to LC.  But only pay me and others .04 cents for late fees
Does this seem kinda backwards as we have no proof or anything except for what someone writes that they tried to contact.

Idk it is what it is but to me we the investors should be getting the bigger piece of the late fee recovery considering we are the ones putting the money up.

I know 12 cents is 12 cents but put it over a portfolio of someone who has thousands of notes those 12 cents add up really fast.

Foliofn - LC / FICOs updated on the 12th!
« on: January 13, 2017, 12:00:00 AM »
I have one that payment was suppose to be on the 10th hasn't paid yet says current and pending but yet their credit score jumped to 695-699 from 685-689.  Seems like a big jump to me
Investing - General (not P2P) / Robo-advisors?
« on: January 08, 2017, 12:00:00 AM »
I juse started using acorns a couple months back and yes it is simple to understand and use with their $1 dollar a month fee they charge right now as it stands I just broke even. 

I am in the high returns/risk portfolio there and have been just following it month to month I am hoping the fees don't out way the gains, and since I just broke even so far just keeping an eye on it to see how well it does or doesn't do.

Obviously this acorns is more for long term vs short term.

As far as robot advisors I am new to this note thing been doing some research and found some guidelines to follow as far as finding notes to buy.  Most of my notes were bought on automated and now I use guidelines found online for preset filters to compare how the presets do vs automatic buying.

So far auto buying is working better than me using presets but I'm still way to new and account to new to make any conclusive results.  (2 prepaid notes I have right now are from auto buy )