{"id":9910,"date":"2026-06-26T10:47:51","date_gmt":"2026-06-26T05:17:51","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=9910"},"modified":"2026-06-26T11:26:16","modified_gmt":"2026-06-26T05:56:16","slug":"days-past-due-in-cibil-report","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/","title":{"rendered":"Days Past Due (DPD) in CIBIL Report: Meaning, Values &amp; How to Clear It\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Missing an EMI or credit card payment can affect more than just your finances. It also leaves a record in your credit history through a metric called Days Past Due (DPD). Understanding what DPD is and how it appears in your credit report can help you maintain a healthy credit profile and improve your chances of future loan approval.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#DPD_Full_Form_and_Meaning\" >DPD Full Form and Meaning&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#Complete_Guide_to_DPD_Values_in_CIBIL_Report\" >Complete Guide to DPD Values in CIBIL Report&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#How_Is_DPD_Calculated_Formula_Example\" >How Is DPD Calculated? Formula + Example&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#How_Long_Does_DPD_Stay_on_Your_CIBIL_Report\" >How Long Does DPD Stay on Your CIBIL Report?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#How_to_Clear_or_Reduce_DPD_Impact\" >How to Clear or Reduce DPD Impact&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#Monitor_Your_Credit_Profile_Regularly\" >Monitor Your Credit Profile Regularly&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#Frequently_asked_questions\" >Frequently asked questions&nbsp;&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#What_is_the_DPD_full_form_in_banking\" >What is the DPD full form in banking?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#What_does_DPD_000_mean_in_a_CIBIL_report\" >What does DPD 000 mean in a CIBIL report?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#What_does_XXX_mean_in_the_DPD_column_of_the_CIBIL_report\" >What does XXX mean in the DPD column of the CIBIL report?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#How_long_does_DPD_stay_on_a_CIBIL_report\" >How long does DPD stay on a CIBIL report?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#Can_I_remove_DPD_from_my_CIBIL_report\" >Can I remove DPD from my CIBIL report?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/#How_does_DPD_affect_my_CIBIL_score_and_loan_approval\" >How does DPD affect my CIBIL score and loan approval?&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"DPD_Full_Form_and_Meaning\"><\/span><strong>DPD Full Form and Meaning<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The DPD full form is Days Past Due. It refers to the number of days a borrower delays a loan EMI or credit card payment beyond the due date. In simple terms, the value shows how long a payment remained overdue before it was cleared.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When lenders report account information to credit bureaus, DPD in CIBIL is recorded in the Payment History section of the credit report. The report typically displays month-wise repayment behaviour for the past 36 months. Since lenders use this information to assess repayment discipline, understanding the DPD meaning is important for maintaining a strong credit profile.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Complete_Guide_to_DPD_Values_in_CIBIL_Report\"><\/span><strong>Complete Guide to DPD Values in CIBIL Report<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here is the complete list of DPD values in CIBIL reports:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>DPD Value&nbsp;<\/td><td>Meaning&nbsp;<\/td><\/tr><tr><td>0&nbsp;<\/td><td>Payment was made on time. No delay was reported.&nbsp;<\/td><\/tr><tr><td>30&nbsp;<\/td><td>Payment was overdue by 30 days.&nbsp;<\/td><\/tr><tr><td>60&nbsp;<\/td><td>Payment was overdue by 60 days.&nbsp;<\/td><\/tr><tr><td>90&nbsp;<\/td><td>Payment was overdue by 90 days. Considered a serious delinquency.&nbsp;<\/td><\/tr><tr><td>120+&nbsp;<\/td><td>Payment remained unpaid for more than 120 days.&nbsp;<\/td><\/tr><tr><td>STD&nbsp;<\/td><td>Standard account with no significant repayment issues.&nbsp;<\/td><\/tr><tr><td>SMA&nbsp;<\/td><td>Special Mention Account showing early signs of stress.&nbsp;<\/td><\/tr><tr><td>SUB&nbsp;<\/td><td>Sub-standard account due to prolonged overdue payments.&nbsp;<\/td><\/tr><tr><td>DBT&nbsp;<\/td><td>Doubtful account with a high risk of default.&nbsp;<\/td><\/tr><tr><td>LSS&nbsp;<\/td><td>Loss account where recovery is considered unlikely.&nbsp;<\/td><\/tr><tr><td>XXX&nbsp;<\/td><td>No payment information was reported for that period.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">DPD values are recorded in the payment history section of your credit report. If you want to understand where these entries appear and how lenders interpret them, learn&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-to-read-your-cibil-report\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>how to read your CIBIL report<\/strong><\/a>&nbsp;in detail.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Is_DPD_Calculated_Formula_Example\"><\/span><strong>How Is DPD Calculated? Formula + Example<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The calculation is straightforward:&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u200b\u200bDPD = Actual Payment Date \u2212 Payment Due Date\u200b&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, suppose a loan EMI was due on 5 June, and the payment was made on 25 June. The delay is 20 days.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u200b\u200bDPD = 25 June \u2212 5 June = 20 days\u200b&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the payment remains unpaid at the time the lender reports the account, it may be rounded and reflected as the nearest reporting category such as 030, 060 or 090. Since DPD in banking reflects repayment behaviour, even a short delay can become part of your credit history.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Long_Does_DPD_Stay_on_Your_CIBIL_Report\"><\/span><strong>How Long Does DPD Stay on Your CIBIL Report?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A DPD entry generally remains visible in the Payment History section for up to 36 months from the date it was reported. Lenders reviewing your application can see both recent and older payment behaviour during this period.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While the impact of older delays gradually reduces with consistent repayment behaviour, recent overdue payments carry greater weight. If you are wondering what DPD in a CIBIL score is, it is one of the factors lenders evaluate when assessing credit risk and repayment discipline.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Clear_or_Reduce_DPD_Impact\"><\/span><strong>How to Clear or Reduce DPD Impact<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although genuine DPD entries cannot usually be removed, you can reduce their impact over time:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay all overdue EMIs and credit card dues immediately to stop the DPD count from increasing.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Set up NACH or auto-debit instructions to avoid future missed payments.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Continue making timely repayments so new &#8220;000&#8221; entries strengthen your repayment history.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Raise a dispute only if the reported DPD is due to a lender reporting error.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Follow the correct process for how to clear DPD in a CIBIL report when the entry is inaccurate and requires correction.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wait for older entries to age out of the 36-month payment history window.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maintain low credit utilisation and avoid multiple loan defaults during the recovery period.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In such cases, understanding&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-dispute\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>how to raise a CIBIL dispute<\/strong><\/a>&nbsp;can help you request corrections and ensure inaccurate information does not continue affecting your credit profile.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monitor_Your_Credit_Profile_Regularly\"><\/span>Monitor Your Credit Profile Regularly&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Keeping track of your repayment history can help you identify overdue accounts early and address reporting errors before they affect future borrowing opportunities. You&nbsp;can&nbsp;<a href=\"https:\/\/www.fatakpay.com\/check-cibil-score\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>check your CIBIL score<\/strong><\/a>&nbsp;free&nbsp;on FatakPay and review your credit report to monitor DPD entries, active accounts and overall credit health.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_DPD_full_form_in_banking\"><\/span>What is the DPD full form in banking?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The dpd full form in banking is Days Past Due. It indicates the number of days a loan EMI or credit card payment remains overdue after the due date.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_does_DPD_000_mean_in_a_CIBIL_report\"><\/span>What does DPD 000 mean in a CIBIL report?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A DPD value of 000 means the payment was made on time and no overdue amount was reported for that month.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_does_XXX_mean_in_the_DPD_column_of_the_CIBIL_report\"><\/span>What does XXX mean in the DPD column of the CIBIL report?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">XXX generally indicates that no repayment information was available or reported by the lender for that particular period.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_long_does_DPD_stay_on_a_CIBIL_report\"><\/span>How long does DPD stay on a CIBIL report?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">DPD records usually remain visible in the payment history section for up to 36 months from the reporting date.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_I_remove_DPD_from_my_CIBIL_report\"><\/span>Can I remove DPD from my CIBIL report?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can remove a DPD entry only if it is incorrect and results from a reporting error. Genuine payment delays cannot be deleted and will remain in the report until they age out.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_does_DPD_affect_my_CIBIL_score_and_loan_approval\"><\/span>How does DPD affect my CIBIL score and loan approval?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Higher DPD values indicate delayed repayments and may lower your credit score. Frequent or prolonged overdue payments can reduce the likelihood of loan approval because lenders view them as signs of increased credit risk.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\/\", \n\n  \"@type\": \"BreadcrumbList\", \n\n  \"itemListElement\": [{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 1, \n\n    \"name\": \"Home\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 2, \n\n    \"name\": \"Blog\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 3, \n\n    \"name\": \"Credit Score\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/credit-score\/\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 4, \n\n    \"name\": \"DPD in CIBIL Report\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/\" \n\n  }] \n\n} \n\n<\/script>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"BlogPosting\", \n\n  \"mainEntityOfPage\": { \n\n    \"@type\": \"WebPage\", \n\n    \"@id\": \"https:\/\/www.fatakpay.com\/blog\/credit-score\/days-past-due-in-cibil-report\/\" \n\n  }, \n\n  \"headline\": \"Days Past Due (DPD) in CIBIL Report: Meaning & How to Clear\", \n\n  \"description\": \"Learn what Days Past Due (DPD) means in a CIBIL report, understand DPD values like 000, 030, 090, and discover how to reduce its impact on your credit score.\", \n\n  \"image\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\", \n\n  \"author\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"url\": \"https:\/\/www.fatakpay.com\" \n\n  }, \n\n  \"publisher\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"logo\": { \n\n      \"@type\": \"ImageObject\", \n\n      \"url\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\" \n\n    } \n\n  }, \n\n  \"datePublished\": \"2026-06-26\", \n\n  \"dateModified\": \"2026-06-26\" \n\n} \n\n<\/script>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"FAQPage\", \n\n  \"mainEntity\": [ \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"What is the DPD full form in banking?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"The dpd full form in banking is Days Past Due. It indicates the number of days a loan EMI or credit card payment remains overdue after the due date.\" \n\n    } \n\n  }, \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"What does DPD 000 mean in a CIBIL report?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"A DPD value of 000 means the payment was made on time and no overdue amount was reported for that month.\" \n\n    } \n\n  }, \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"What does XXX mean in the DPD column of the CIBIL report?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"XXX generally indicates that no repayment information was available or reported by the lender for that particular period.\" \n\n    } \n\n  }, \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"How long does DPD stay on a CIBIL report?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"DPD records usually remain visible in the payment history section for up to 36 months from the reporting date.\" \n\n    } \n\n  }, \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"Can I remove DPD from my CIBIL report?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"You can remove a DPD entry only if it is incorrect and results from a reporting error. Genuine payment delays cannot be deleted and will remain in the report until they age out.\" \n\n    } \n\n  }, \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"How does DPD affect my CIBIL score and loan approval?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"Higher DPD values indicate delayed repayments and may lower your credit score. Frequent or prolonged overdue payments can reduce the likelihood of loan approval because lenders view them as signs of increased credit risk.\" \n\n    } \n\n  } \n\n  ] \n\n} \n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Missing an EMI or credit card payment can affect more than just your finances. It also leaves a record in your credit history through a metric called Days Past Due (DPD). Understanding what DPD is and how it appears in your credit report can help you maintain a healthy credit profile and improve your chances<\/p>\n","protected":false},"author":1,"featured_media":9928,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[164],"tags":[],"class_list":["post-9910","post","type-post","status-publish","format-standard","has-post-thumbnail","category-credit-score"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/9910","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=9910"}],"version-history":[{"count":2,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/9910\/revisions"}],"predecessor-version":[{"id":9912,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/9910\/revisions\/9912"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media\/9928"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=9910"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=9910"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=9910"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}