DPD has a big influence, as payment history is the most significant factor in the calculation of your score. A single missed payment can make your score drop noticeably.
This is why many borrowers look for steps to fix DPD issues and try to bring their report back to a clean state. DPD marks show lenders that you may have struggled with repayments, which reduces your loan eligibility.
Is the Removal of DPD Going to Help You with Your Score?
In a number of cases, DPD removal can improve your credit score. Your score improves because the negative mark is cleared or updated to reflect accurate information. Lenders mostly prefer to trust reports that indicate steady and punctual payments.
Your credit rating might go up if,
- The DPD entry was incorrect
- The lender improves your payment history
- You have settled all the outstanding amounts
- You have worked out old disputes
Understanding how DPD affects your credit score helps you see how important it is to correct these entries quickly.
How to Get DPD Off CIBIL
The DPD marks can’t be removed manually by you. Only the respective lender has the authority to make updates or corrections to the entry.
The following are the steps that need to be taken to resolve DPD issues,
- Inquire with the lender regarding the overdue record
- Request for correction if the entry is found to be incorrect
- Make the overdue payments, and then ask for the updates
- File a dispute through the CIBIL portal
- Send the lender a copy of the payment proof
These steps matter when you want to know how to correct DPD entries and clean your record.
When DPD Can and Cannot Be Removed
| Situation | Can It Be Removed? | Reason |
| Wrong entry | Yes | Lender updates error |
| Payment already made | Yes | Needs fresh reporting |
| Settlement instead of full payment | No | Negative status stays |
| Genuine late payment | No | CIBIL keeps true history |
| Technical system delay | Yes | The lender can correct |
This table makes it easier to understand how to remove DPD from CIBIL in different situations.
When DPD Removal Has a Bigger Impact
If you have experienced DPD errors, correcting them would reflect positively on your score if,
- The mistake was repeated for several months.
- Your DPD was extremely high, like 90 or 120.
- Your report mentioned the accounts being overdue.
- You plan to apply for a loan shortly.
The removal or correction of these inaccuracies will be in your favour, as they will help to qualify you for loans with lower interest rates.
How Long Does It Take for the Score to Improve
After the lender’s update, the change will be reflected by CIBIL in approximately 30 days.
Your score could possibly improve slowly, in relation to the number of entries that were corrected.
Those who correct big errors usually notice the change within 1 or 2 reporting cycles. This is the reason why taking the right steps to resolve DPD issues is very important.
Conclusion
DPD marks can affect your loan approval and lower your credit score. Fixing errors and clearing overdue payments can definitely help. A clean report always increases trust with lenders. When you understand how DPD affects your credit score and follow the right methods for DPD removal, you improve your chances of better loan offers and a stronger financial profile.
