What is STD in Your CIBIL Report

In a CIBIL form, ‘STD’ stands for ‘Standard’. This is a keyword found in credit card and loan accounts. STD means that you have paid your outstanding dues on time or within 90 days of the due date.

It is essential to understand the meaning of STD to analyse your credit report. Essentially, it means you have a history of paying your dues in a timely manner. 

DPD entries are displayed in the form of a 2-dimensional matrix that indicates the status of your debts in different months and years. The table is rather easy to interpret for first-time users, as it simply indicates the timeliness with which you cleared your debts for each month and year. In this matrix, an entry of ‘000’ or ‘STD’ will not impact your credit score negatively. 

Here’s an example of what the ‘Days Past Due’ table can look like:

There may be other entries such as XXX in the matrix, which means that the lender has not provided the data for that period. Such an occurrence does not have an impact on your CIBIL score.

In a CIBIL report, ‘STD’ means that the outstanding dues have been cleared within 90 days, which is perfectly alright. However, if there is any delay in payments, the DPD reflects the delay in payment, denting your overall score. Therefore, it is advisable to clear your outstanding dues in time.

To rectify any STD-related errors in your CIBIL report and maintain your CIBIL score, follow these steps:

• Visit the CIBIL website and complete the online dispute resolution form with accurate details.

• Upon form submission, a dispute ID (complaint ID) is generated for your complaint.

• CIBIL forwards your request to the relevant lender for necessary amendments/corrections.

• The lender acknowledges the error and updates the report accordingly.