Hunton Pierce
PFNA-2025-0701 · Lease · 2025 Porsche Cayenne Turbo GT · US
Arrears
$2,240.00
Days past due
6
Early stage
Next due
15 May
$2,375.00
Outstanding
$142,500.00
Payoff $142,500.00
01
Pre-delinquency
Current, watching
02
Early-stage
1–30 DPD
03
Mid-stage
31–90 DPD
04
Late-stage
91+ DPD
05
Recovery
Post charge-off
06
Closure
Resolved
The story so far
Hunton is 6d past due with arrears of $2,240.00 on a lease for a 2025 Porsche Cayenne.
Repayment trajectory
12 months back · 14 days forward
On-time 75% · 2 late · 0 missed · streak 6 mo
Past 12 months75% on time
- May
- Jun
- Jul
- Aug
- Sept
- Oct
- Nov
- Dec
- Jan
- Feb
- Mar
- Apr
Now
.
Next 14 days16% to mid
Today
+14d
On timeLateMissedPredicted: Mid · 16%
If we act now — predicted outcome
- No action16%
- Soft touch (SMS / email reminder)8%-8pp
- Full treatment (NBA + payment plan offer)4%-12pp
Top contributing factors
- DPD trajectory · 6d+0.18
- Asset value vs payoff (LTV)+0.14
- Channel responsiveness · soft+0.08
Vulnerability detection
No elevated signals
- Distress markers in last call31%
- Repeated hardship-page views without applying32%
- Late-night inbound contact attempts13%
- Bureau resilience score declining35%
Ability × Willingness
Hardship · 27% / 86%
HardshipSelf-cureRecoveryEngagement
← low willingnesshigh →
ability →
Ability to pay
capacity
27%
Willingness to pay
propensity
86%
QuadrantHardship
Hardship case · willing but constrained. Open hardship pathway, restructure or payment-holiday before harder action.
Last interaction · 4d ago
Customer agreed to pay arrears within 7 days
Channel
sms
Talk ratio
38 / 62
Duration
2:14