RL,
How do you feel about your own portfoilo?
http://www.lendingstats.com/lenders/RateLadder_com
Even you are starting to see substantial lates in the "prime" grades. The cummulative hazard function generally dictates that as time goes by you only have more defaults.
I wish I had applied the inquiries in the last 6 months filter from the beginning.
What were the filters you applied to the graph you had posted?
No filters... All loans in a credit grade.
Have you rerun this graph since 12/07?
the graph I posted on this thread is from the beginning of this month.