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So each month, a new month’s data is added and the oldest month (36th month) is removed from the cibil report and this way a sliding window of 36 months data is available on your cibil report at any given point of time.

Example – Date 06-12 and DPD value is 90 If DPD value is 90 for a date say 06-12, it means in June 2012, the payment is due for last 90 days, which means 3 months dues!

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You might already be aware that your cibil report contains the past 36 months of your credit information.

Each and every month, your lender who is a member of CIBIL, will update the CIBIL with the latest information like Did you pay on time or not?

While Loan Status and Credit Score matter a lot when it comes to getting a loan approved or rejected, a big myth among people is that a clear report (without SETTLED or WRITTEN OFF status) and a credit score above 750/800 are the only two things that they need to get a loan. While a clean report and a good score are definitely primary level requirements for getting a loan approved, there are finer details which a bank looks at, before deciding if they want to give you a loan or not; and Days Past Due or DPD is one of those important metrics. Days Past due or DPD means, that for any given month, how many months worth of payment is unpaid. Which means that if you have 3 different loans going on, then you will have DPD information for each of those accounts.

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