[Resolved]  CIBIL — DPD Entry still shows after 6 years

Address:

Sundargarh, Odisha

hello, i had taken a two wheeler loan from HDFC bank and issued them PDC via axis bank . due to some reasons i had to close the account and asked hdfc to swap the cheques. But the Agent at Hdfc told us to pay the payment as cash to them and i also did that getting all the receipts. anyways i paid all the amount and cleared up the loan with interest after which i got the loan closure letter. now in 2015 i have a cibil score of 786 and i applied for a pre approved loan for HDFC. the loan was 90% approved but got rejected due to the DPD showing as STD for 29 instances. at this stage i feel that having such a good score is not worthy and of no use as it doesnt means people once a defaulter always a defaulter. The accounts and loan which are fully paid should be removed from the CIBIL. please let me know if there is a way out. thanks and regards