Here's a table by vintage quarter with the percentage of loans with a public record. Now, these are issued loans, so perhaps a TON of the ones on the platform won't issue, but 46% is so far out of line with the past, it makes me think something's wrong. That said, a public record isn't the end of the world.
. table iq, c(mean publicrecord)
--------------------------
iq | mean(public~d)
----------+---------------
2007-2 | 0
2007-3 | .0740741
2007-4 | .0653951
2008-1 | .0856553
2008-2 | .0979167
2008-3 | .0734266
2008-4 | .0698925
2009-1 | .0552359
2009-2 | .0541825
2009-3 | .0361538
2009-4 | .0465632
2010-1 | .0584795
2010-2 | .0680249
2010-3 | .0613372
2010-4 | .0560286
2011-1 | .0562956
2011-2 | .0614628
2011-3 | .0634016
2011-4 | .0386435
2012-1 | .0314555
2012-2 | .0304205
2012-3 | .0296941
2012-4 | .0096432
--------------------------