What is Days Past Due (DPD) in Credit Report?
DPD or Days Past Due appears in the Account(s) section of your CIBIL credit report.
What does DPD indicate?
DPD indicates by how many days a payment on that account is late that month. DPD shows the month and year of payment. Anything other than ‘000’ is considered negative by a lender. Up to 36 months of this payment history (with the most recent month displayed first) are provided in this section.
For example, if you have taken a loan whose payments started in December 2002 and are three months late on a payment due at the end of January 2003, your DPD may be reflected as follows:
Key used in Days Past Due (DPD) or Asset Classification (AC)
Any classification other than “STD” is viewed negatively by Loan providers during the loan application process.
On occasion you may see “XXX” reported for your DPD on a certain account. This means that the Loan provider has not reported that month’s DPD to CIBIL and hence, there’s no need to worry.
Note : If the account is closed, the leftmost number/value is the DPD/AC as of the Date Closed.