Quote Originally Posted by permutation View Post
Been lending for 40 months now, I switched away from E an F grades from September 2015 due to heavy losses, the low point of my RAR graph, then began concentrating in the mid-range zones and it's served me well. Latest RAR 14.06% being 422 pips above the platform.

Permutation 40 months.JPG
Great going!

I still think there are worthwhile loans in grade E , just being very selective. Last year I had 25% grade E or F and some of those wouldn't touch with a bargepole today. Other then certain risk pockets, am relatively happy barring a complete financial meltdown,