Hi Harvey @HarveyB-B,
You should be identifying the oldest record (one with highest days in arrears) for each applicant ahead of doing the bucketing.
If you create a sample on Arena showing your problem state, community experts can quickly create a copy from it, solve it and respond with a working solution.
If we don’t get your inputs within next 3 days, we will have to archive this post.
Regards,
Arun Santhosh
Pr Quick Sight SA