Days Past Due (DPD) remarks destroy creditworthiness. Learn how to draft a formal goodwill deletion request or file a dispute if the bank reported an error.
The 30-Day Statutory Resolution Window
Under the Credit Information Companies (Regulation) Act (CICRA), credit bureaus and member banks are legally obligated to investigate and resolve customer dispute filings within 30 days.
If a lender fails to verify the accuracy of a disputed late remark within this statutory window, the credit bureau must expunge the adverse notation from your permanent file.