Timely repayment of EMIs and credit card dues has a positive effect on your credit score. Lenders also prefer approving loans or credit card applications of applicants having a clean credit report (Here, “clean” signifies that the credit report is free from missed payments, overutilization, etc.).
Your CIBIL report contains your credit score, credit accounts, payment history, recent enquiries, and other details. DPD or Days Past Due in the Payment History is one of the determining factors for lenders while approving or rejecting your credit application.
What is Days Past Due (DPD)?
Days Past Due shows the number of days by which you have missed an EMI or credit card payment. If you have made timely payments in the past, your DPD will be mentioned as ‘0’. In case you have missed your payment by 30 days, your report will show “30” against the previous month.
There may be instances where “XXX” is mentioned in the DPD section. It means that the lender has not provided the payment history details to the bureau. You should not worry if you find it in your credit report as it has no negative impact on your credit score or your chances of loan or card approval in the future.