daysUntilChargeoff would be a nice field to have in one of these downloadable files. Or in general, days until a worse status change. Of course none of that would be necessary if stuff just worked in a predictable manner. But if there's some reason it needs to be so disorganized, fine, just tell us ahead of time for each note.
Yojo's thread about the ides of March, and others... somehow along the way it became acceptable that this is some sort of game to figure out when notes are going to be marked as charged off, defaulted, and what not. I honestly do not see why this is tolerated. What if you bought a stock "around" the ex-dividend date and had to guess whether you'd receive a dividend, or whether the previous guy will get yours? Maybe the broker will just take advantage of the situation and keep it. Would you sit around with your friends and giggle like little girls at a slumber party guessing about who's going to get their dividends this quarter shaking your magic 8 balls? Unbelievable what LC gets away with.
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