I've been using the LendingClub Folio API successfully for the past few months. Today I started getting a "Bad Request" error returned, despite not changing any code. Anyone else experiencing issues?
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Pages1
#2
Investors - LC /
April 01, 2017, 11:00:00 PM
April 2, 2017
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 9.14%
Weighted Average Interest Rate: 18.58%
Weighted Average Age of Portfolio: 26.2 mos
Number of Notes: 5,251
A(0.0%) B (4.8%) C(20.7%) D(43.3%) E(21.9%) F(7.6%) G(1.8%)
Payments 36(39.0%) 60(61.0%)
COMBINED
vs All Accounts:
93.76
vs Similar Age Accounts:
98.82
vs Similar Age and WAIR Accounts:
98.19
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 8.55%
Weighted Average Interest Rate: 18.67%
Weighted Average Age of Portfolio: 27.0 mos
Number of Notes: 4,420
A(0.0%) B (4.4%) C(22.0%) D(42.3%) E(21.4%) F(8.3%) G(1.7%)
Payments 36(36.9%) 60(63.1%)
FOLIO COMBINED
vs All Accounts:
91.74
vs Similar Age Accounts:
97.19
vs Similar Age and WAIR Accounts:
94.69
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 8.04%
Weighted Average Interest Rate: 18.94%
Weighted Average Age of Portfolio: 25.8 mos
Number of Notes: 2,046
A(0.0%) B (0.0%) C(11.4%) D(50.8%) E(27.2%) F(9.2%) G(1.4%)
Payments 36(20.5%) 60(79.5%)
FOLIO COMBINED
vs All Accounts:
89.32
vs Similar Age Accounts:
95.03
vs Similar Age and WAIR Accounts:
91.71
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 9.14%
Weighted Average Interest Rate: 18.58%
Weighted Average Age of Portfolio: 26.2 mos
Number of Notes: 5,251
A(0.0%) B (4.8%) C(20.7%) D(43.3%) E(21.9%) F(7.6%) G(1.8%)
Payments 36(39.0%) 60(61.0%)
COMBINED
vs All Accounts:
93.76
vs Similar Age Accounts:
98.82
vs Similar Age and WAIR Accounts:
98.19
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 8.55%
Weighted Average Interest Rate: 18.67%
Weighted Average Age of Portfolio: 27.0 mos
Number of Notes: 4,420
A(0.0%) B (4.4%) C(22.0%) D(42.3%) E(21.4%) F(8.3%) G(1.7%)
Payments 36(36.9%) 60(63.1%)
FOLIO COMBINED
vs All Accounts:
91.74
vs Similar Age Accounts:
97.19
vs Similar Age and WAIR Accounts:
94.69
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 8.04%
Weighted Average Interest Rate: 18.94%
Weighted Average Age of Portfolio: 25.8 mos
Number of Notes: 2,046
A(0.0%) B (0.0%) C(11.4%) D(50.8%) E(27.2%) F(9.2%) G(1.4%)
Payments 36(20.5%) 60(79.5%)
FOLIO COMBINED
vs All Accounts:
89.32
vs Similar Age Accounts:
95.03
vs Similar Age and WAIR Accounts:
91.71
#3
Foliofn - LC / Is this legal?
March 03, 2017, 11:00:00 PM
Let's say you have a ROTH folio account and a cash folio account. If you post a note for sale for a very large amount from the ROTH account, and then purchase it from your cash account, you could effectively move as much money as you wanted into your ROTH account. I'm guessing this is illegal somehow, but our tax system is so screwed up I thought I'd check!
#4
Investors - LC /
February 02, 2017, 11:00:00 PM
Feb 3, 2017
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 9.43%
Weighted Average Interest Rate: 18.88%
Weighted Average Age of Portfolio: 25.5 mos
Number of Notes: 5,251
A(0.0%) B (0.7%) C(19.3%) D(46.0%) E(23.8%) F(8.2%) G(1.9%)
Payments 36(33.6%) 60(66.4%)
COMBINED
vs All Accounts:
94.81
vs Similar Age Accounts:
98.66
vs Similar Age and WAIR Accounts:
97.34
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 8.84%
Weighted Average Interest Rate: 18.95%
Weighted Average Age of Portfolio: 26.3 mos
Number of Notes: 4,212
A(0.0%) B (0.7%) C(20.7%) D(44.7%) E(23.2%) F(8.8%) G(1.8%)
Payments 36(31.5%) 60(68.5%)
FOLIO COMBINED
vs All Accounts:
92.87
vs Similar Age Accounts:
97.43
vs Similar Age and WAIR Accounts:
93.51
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 8.33%
Weighted Average Interest Rate: 18.86%
Weighted Average Age of Portfolio: 24.4 mos
Number of Notes: 2,404
A(0.0%) B (0.0%) C(9.9%) D(53.7%) E(26.7%) F(8.4%) G(1.3%)
Payments 36(22.1%) 60(77.9%)
FOLIO COMBINED
vs All Accounts:
90.53
vs Similar Age Accounts:
95.48
vs Similar Age and WAIR Accounts:
92.38
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 9.43%
Weighted Average Interest Rate: 18.88%
Weighted Average Age of Portfolio: 25.5 mos
Number of Notes: 5,251
A(0.0%) B (0.7%) C(19.3%) D(46.0%) E(23.8%) F(8.2%) G(1.9%)
Payments 36(33.6%) 60(66.4%)
COMBINED
vs All Accounts:
94.81
vs Similar Age Accounts:
98.66
vs Similar Age and WAIR Accounts:
97.34
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 8.84%
Weighted Average Interest Rate: 18.95%
Weighted Average Age of Portfolio: 26.3 mos
Number of Notes: 4,212
A(0.0%) B (0.7%) C(20.7%) D(44.7%) E(23.2%) F(8.8%) G(1.8%)
Payments 36(31.5%) 60(68.5%)
FOLIO COMBINED
vs All Accounts:
92.87
vs Similar Age Accounts:
97.43
vs Similar Age and WAIR Accounts:
93.51
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 8.33%
Weighted Average Interest Rate: 18.86%
Weighted Average Age of Portfolio: 24.4 mos
Number of Notes: 2,404
A(0.0%) B (0.0%) C(9.9%) D(53.7%) E(26.7%) F(8.4%) G(1.3%)
Payments 36(22.1%) 60(77.9%)
FOLIO COMBINED
vs All Accounts:
90.53
vs Similar Age Accounts:
95.48
vs Similar Age and WAIR Accounts:
92.38
#5
Investors - LC /
December 02, 2016, 11:00:00 PM
December 3, 2016
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 9.69%
Weighted Average Interest Rate: 19.04%
Weighted Average Age of Portfolio: 24.9 mos
Number of Notes: 4,977
A(0.0%) B (0.0%) C(15.7%) D(48.2%) E(25.2%) F(8.8%) G(2.1%)
Payments 36(27.9%) 60(72.1%)
COMBINED
vs All Accounts:
95.55
vs Similar Age Accounts:
98.52
vs Similar Age and WAIR Accounts:
97.16
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 9.11%
Weighted Average Interest Rate: 19.13%
Weighted Average Age of Portfolio: 25.6 mos
Number of Notes: 4,002
A(0.0%) B (0.0%) C(17.1%) D(46.8%) E(24.6%) F(9.4%) G(2.0%)
Payments 36(25.8%) 60(74.2%)
FOLIO COMBINED
vs All Accounts:
94.06
vs Similar Age Accounts:
97.89
vs Similar Age and WAIR Accounts:
97.81
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 8.58%
Weighted Average Interest Rate: 18.86%
Weighted Average Age of Portfolio: 22.4 mos
Number of Notes: 2,404
A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.7%) F(8.4%) G(1.3%)
Payments 36(22.8%) 60(77.2%)
FOLIO COMBINED
vs All Accounts:
91.27
vs Similar Age Accounts:
95.78
vs Similar Age and WAIR Accounts:
92.15
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 9.69%
Weighted Average Interest Rate: 19.04%
Weighted Average Age of Portfolio: 24.9 mos
Number of Notes: 4,977
A(0.0%) B (0.0%) C(15.7%) D(48.2%) E(25.2%) F(8.8%) G(2.1%)
Payments 36(27.9%) 60(72.1%)
COMBINED
vs All Accounts:
95.55
vs Similar Age Accounts:
98.52
vs Similar Age and WAIR Accounts:
97.16
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 9.11%
Weighted Average Interest Rate: 19.13%
Weighted Average Age of Portfolio: 25.6 mos
Number of Notes: 4,002
A(0.0%) B (0.0%) C(17.1%) D(46.8%) E(24.6%) F(9.4%) G(2.0%)
Payments 36(25.8%) 60(74.2%)
FOLIO COMBINED
vs All Accounts:
94.06
vs Similar Age Accounts:
97.89
vs Similar Age and WAIR Accounts:
97.81
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 8.58%
Weighted Average Interest Rate: 18.86%
Weighted Average Age of Portfolio: 22.4 mos
Number of Notes: 2,404
A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.7%) F(8.4%) G(1.3%)
Payments 36(22.8%) 60(77.2%)
FOLIO COMBINED
vs All Accounts:
91.27
vs Similar Age Accounts:
95.78
vs Similar Age and WAIR Accounts:
92.15
#6
Investors - LC /
November 01, 2016, 11:00:00 PM
November 2, 2016
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 9.91%
Weighted Average Interest Rate: 19.12%
Weighted Average Age of Portfolio: 24.5 mos
Number of Notes: 4,817
A(0.0%) B (0.0%) C(13.4%) D(49.1%) E(25.9%) F(9.5%) G(2.1%)
Payments 36(24.2%) 60(75.8%)
COMBINED
vs All Accounts:
96.01
vs Similar Age Accounts:
98.64
vs Similar Age and WAIR Accounts:
96.59
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 9.34%
Weighted Average Interest Rate: 19.20%
Weighted Average Age of Portfolio: 25.2 mos
Number of Notes: 3,894
A(0.0%) B (0.0%) C(15.3%) D(47.4%) E(25.2%) F(10.0%) G(2.1%)
Payments 36(22.5%) 60(77.5%)
FOLIO COMBINED
vs All Accounts:
94.17
vs Similar Age Accounts:
97.64
vs Similar Age and WAIR Accounts:
96.05
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 9.00%
Weighted Average Interest Rate: 18.86%
Weighted Average Age of Portfolio: 21.3 mos
Number of Notes: 2,404
A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.5%) F(8.6%) G(1.3%)
Payments 36(23.1%) 60(76.9%)
FOLIO COMBINED
vs All Accounts:
92.46
vs Similar Age Accounts:
97.41
vs Similar Age and WAIR Accounts:
95.87
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 9.91%
Weighted Average Interest Rate: 19.12%
Weighted Average Age of Portfolio: 24.5 mos
Number of Notes: 4,817
A(0.0%) B (0.0%) C(13.4%) D(49.1%) E(25.9%) F(9.5%) G(2.1%)
Payments 36(24.2%) 60(75.8%)
COMBINED
vs All Accounts:
96.01
vs Similar Age Accounts:
98.64
vs Similar Age and WAIR Accounts:
96.59
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 9.34%
Weighted Average Interest Rate: 19.20%
Weighted Average Age of Portfolio: 25.2 mos
Number of Notes: 3,894
A(0.0%) B (0.0%) C(15.3%) D(47.4%) E(25.2%) F(10.0%) G(2.1%)
Payments 36(22.5%) 60(77.5%)
FOLIO COMBINED
vs All Accounts:
94.17
vs Similar Age Accounts:
97.64
vs Similar Age and WAIR Accounts:
96.05
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 9.00%
Weighted Average Interest Rate: 18.86%
Weighted Average Age of Portfolio: 21.3 mos
Number of Notes: 2,404
A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.5%) F(8.6%) G(1.3%)
Payments 36(23.1%) 60(76.9%)
FOLIO COMBINED
vs All Accounts:
92.46
vs Similar Age Accounts:
97.41
vs Similar Age and WAIR Accounts:
95.87
#7
FolioFN - Prosper / FolioFn discontinued
September 28, 2016, 11:00:00 PM
Crazzzzzzzzzzziness!
I think I will be depositing a boat load of money into Prosper. I picture prices on Prosper folio in an absolute free-fall come October 27th...
I think I will be depositing a boat load of money into Prosper. I picture prices on Prosper folio in an absolute free-fall come October 27th...
#8
Investors - LC /
August 31, 2016, 11:00:00 PM
Is there another tool to use now? It appears that http://lc.geekminute.com/Home/ANARCompare" class="bbc_link" target="_blank">http://lc.geekminute.com/Home/ANARCompare is down...
#9
Investors - LC /
August 01, 2016, 11:00:00 PM
8/2/2016
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 10.46%
Weighted Average Interest Rate: 19.09%
Weighted Average Age of Portfolio: 22.5 mos
Number of Notes: 4,585
A(0.0%) B (0.0%) C(9.8%) D(50.5%) E(27.6%) F(10.1%) G(2.2%)
Payments 36(22.7%) 60(77.3%)
vs All Accounts:
94.20
vs Similar Age Accounts:
98.14
vs Similar Age and WAIR Accounts:
93.96
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 10.23%
Weighted Average Interest Rate: 19.19%
Weighted Average Age of Portfolio: 22.7 mos
Number of Notes: 3,796
A(0.0%) B (0.0%) C(10.0%) D(49.4%) E(27.3%) F(11.0%) G(2.3%)
Payments 36(21.5%) 60(78.5%)
vs All Accounts:
93.42
vs Similar Age Accounts:
97.84
vs Similar Age and WAIR Accounts:
94.25
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 9.05%
Weighted Average Interest Rate: 18.83%
Weighted Average Age of Portfolio: 18.9 mos
Number of Notes: 2,326
A(0.0%) B (0.0%) C(9.2%) D(53.4%) E(27.2%) F(8.7%) G(1.4%)
Payments 36(22.6%) 60(77.4%)
vs All Accounts:
86.76
vs Similar Age Accounts:
95.21
vs Similar Age and WAIR Accounts:
84.07
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 10.46%
Weighted Average Interest Rate: 19.09%
Weighted Average Age of Portfolio: 22.5 mos
Number of Notes: 4,585
A(0.0%) B (0.0%) C(9.8%) D(50.5%) E(27.6%) F(10.1%) G(2.2%)
Payments 36(22.7%) 60(77.3%)
vs All Accounts:
94.20
vs Similar Age Accounts:
98.14
vs Similar Age and WAIR Accounts:
93.96
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 10.23%
Weighted Average Interest Rate: 19.19%
Weighted Average Age of Portfolio: 22.7 mos
Number of Notes: 3,796
A(0.0%) B (0.0%) C(10.0%) D(49.4%) E(27.3%) F(11.0%) G(2.3%)
Payments 36(21.5%) 60(78.5%)
vs All Accounts:
93.42
vs Similar Age Accounts:
97.84
vs Similar Age and WAIR Accounts:
94.25
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 9.05%
Weighted Average Interest Rate: 18.83%
Weighted Average Age of Portfolio: 18.9 mos
Number of Notes: 2,326
A(0.0%) B (0.0%) C(9.2%) D(53.4%) E(27.2%) F(8.7%) G(1.4%)
Payments 36(22.6%) 60(77.4%)
vs All Accounts:
86.76
vs Similar Age Accounts:
95.21
vs Similar Age and WAIR Accounts:
84.07
#10
Investors - LC /
July 02, 2016, 11:00:00 PM
7/3/2016
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 10.51%
Weighted Average Interest Rate: 19.07%
Weighted Average Age of Portfolio: 21.7 mos
Number of Notes: 4,565
A(0.0%) B (0.0%) C(7.3%) D(51.7%) E(28.4%) F(10.3%) G(2.3%)
Payments 36(22.5%) 60(77.5%)
vs All Accounts:
93.56
vs Similar Age Accounts:
98.37
vs Similar Age and WAIR Accounts:
94.19
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 10.36%
Weighted Average Interest Rate: 19.16%
Weighted Average Age of Portfolio: 22.0 mos
Number of Notes: 3,748
A(0.0%) B (0.0%) C(7.8%) D(50.7%) E(28.1%) F(11.0%) G(2.3%)
Payments 36(21.5%) 60(78.5%)
vs All Accounts:
92.78
vs Similar Age Accounts:
98.14
vs Similar Age and WAIR Accounts:
95.48
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 9.28%
Weighted Average Interest Rate: 18.79%
Weighted Average Age of Portfolio: 18.3 mos
Number of Notes: 2,283
A(0.0%) B (0.0%) C(8.5%) D(53.8%) E(27.6%) F(8.7%) G(1.5%)
Payments 36(22.6%) 60(77.4%)
vs All Accounts:
86.73
vs Similar Age Accounts:
95.78
vs Similar Age and WAIR Accounts:
86.03
Fudgenut SEP IRA:
Adjusted Net Annualized Return: 10.51%
Weighted Average Interest Rate: 19.07%
Weighted Average Age of Portfolio: 21.7 mos
Number of Notes: 4,565
A(0.0%) B (0.0%) C(7.3%) D(51.7%) E(28.4%) F(10.3%) G(2.3%)
Payments 36(22.5%) 60(77.5%)
vs All Accounts:
93.56
vs Similar Age Accounts:
98.37
vs Similar Age and WAIR Accounts:
94.19
Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?: 10.36%
Weighted Average Interest Rate: 19.16%
Weighted Average Age of Portfolio: 22.0 mos
Number of Notes: 3,748
A(0.0%) B (0.0%) C(7.8%) D(50.7%) E(28.1%) F(11.0%) G(2.3%)
Payments 36(21.5%) 60(78.5%)
vs All Accounts:
92.78
vs Similar Age Accounts:
98.14
vs Similar Age and WAIR Accounts:
95.48
Fudgenut Taxable:
Adjusted Net Annualized Return3 ?: 9.28%
Weighted Average Interest Rate: 18.79%
Weighted Average Age of Portfolio: 18.3 mos
Number of Notes: 2,283
A(0.0%) B (0.0%) C(8.5%) D(53.8%) E(27.6%) F(8.7%) G(1.5%)
Payments 36(22.6%) 60(77.4%)
vs All Accounts:
86.73
vs Similar Age Accounts:
95.78
vs Similar Age and WAIR Accounts:
86.03
#12
Foliofn - LC / 50% Discounted note?
June 21, 2016, 11:00:00 PM
I bought a note yesterday from Loan ID # 55574423 for $11.26 ($22.19 principal remaining). It appears to be on time and has 10 completed ontime payments. Am I missing something or perhaps they typo'ed the price?
#13
Investors - LC / Want to open IRA with 5k, but I already put 1k into current IRA
April 02, 2016, 11:00:00 PM
Because P2P notes are taxed at your income bracket level, while long term stock gains are taxed at the capital gain rate. I'd rather not pay taxes on the thing with the higher tax rate.
Additionally, I am not convinced that stocks have a higher expected return than p2p notes, though it is tough to say at this point.
https://forum.lendacademy.com/index.php?topic=3733.msg33400#msg88888888Quote"> from: AnilG on April 02, 2016, 09:05:05 PM
Additionally, I am not convinced that stocks have a higher expected return than p2p notes, though it is tough to say at this point.
https://forum.lendacademy.com/index.php?topic=3733.msg33400#msg88888888Quote"> from: AnilG on April 02, 2016, 09:05:05 PM
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