I am a new investor in LC loans, and essentially have been invested with majority of money in over 200 loans for about 2-3 months. I already have 5-6 late payments (which after I count as zero value) ate all my interest away.
Either statistically I am the unluckiest investor on here per historical return data or something is different on the platform with the current vintage.
I essentially randomly chose loans of B-D grade and credit scores of 700+ with no other criteria.
Anyone else who recently began investing getting defaults well above the historical norm?