DPD or Days Past Due is an element in your CIBIL credit report which informs how you pay credit card bills and EMIs, and if you skipped any payments. DPD information is available in the credit report under the accounts sections. In case you missed any payments, the section reveals by how many days and in which month did you miss the same.
DPD also depicts the days on which the payments were delayed. In case the DPD indication is not '000' or 'XXX', then it means that the payment was skipped. The report reflects Days Past Due details up to the last 36 months of your payment history.
Like many other factors which influence a credit score, DPD is one of the most crucial ones as it tells about your repayment behaviour. If this section shows too much of a default, then your credit score by CIBIL will get hampered.
For ensuring you never skip any payments on credit cards or loans, you have to repay before the due date every month or as per repayment plan. To enjoy a healthy credit score, you must have a good credit history. Here are some indications for DPD value and their significance.
NOTE: Any DPD value other than the two mentioned above is counted as negative. Banks term dues over 90 days or more as non-performing-assets. Statuses such as 'Settled' or 'Written Off' are also negative. If your DPD is poor, it can take about 2 years or more to show a stable DPD again.
In many cases, lenders reject loan applications despite a credit report being relevantly clean, but the DPD section is of a value other than 'XXX' or '000'. Unfortunately, you cannot change the DPD details for a month for your CIBIL report.
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