DPD, or days past due, is the number of days a loan or card payment was late in a given month, as reported by the lender to the credit bureau. A 0 or 000 means paid on time; 30, 60 and 90 mark escalating delays; 90+ DPD is reported as a substandard (non-performing) account and is the single entry that decides most loan rejections.
The DPD grid on a credit report runs month by month for each account, typically for the last 36 months. Lenders read the pattern, not just the count: one 30 DPD two years ago is noise; three in the last six months is a trend.
Special codes appear in the same grid — STD (standard), SMA (special mention account, 1–90 days), SUB (substandard, 90+), DBT (doubtful) and LSS (loss). Any of the last three, or a 'settled' or 'written-off' status, stays on the report for up to seven years.
A DPD entry that does not match your bank statement — the lender counted from the wrong date, or a payment made on time was posted late — is grounds for a dispute.
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Reviewed to the law in force in FY 2026-27. General information, not advice — confirm the position for your facts before acting.
