The Debt Trader Post: BHPH Edition

Vintage Value: Timing Matters in BHPH Portfolio Performance


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Explore how the timing of loan origination shapes Buy Here Pay Here (BHPH) portfolio outcomes. Learn how dealers group loans by vintage to track delinquency, charge-offs, recovery, and utilization rates—revealing how economic conditions at origination affect underwriting, forecasting, and risk management.

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The Debt Trader Post: BHPH EditionBy The Debt Trader Post: BHPH Edition