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Omozing Answers › Credit scores and bureaus
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
People ask “how long does it stay?” when what they really want to know is “how long will it stop me getting a loan?”. Those have different answers.
Illustrative. How fast the weight fades depends on how serious the default was, how it was resolved and what else is on your report. It is not a promise of deletion on any date.
Lenders read your report from the newest month backwards. A default from last quarter dominates. The same default with two clean years after it, on an account now closed, reads as a chapter that has ended. That is why the practical question is not “when will it disappear?” but “what is my report saying about the last 12 to 24 months?”. How the rebuild usually goes.
| Entry on your report | Does it stay? | What reduces its weight |
|---|---|---|
| Late months in the payment history (DPD, SMA, NPA) | Yes, month by month, as part of the account’s history | Time, and clean months on every account since. DPD and SMA explained |
| Account status “written off” | Yes, visible for years | Paying what’s owed and getting the status updated. What written off means |
| Account status “settled” | Yes, visible for years | Paying the shortfall so the lender updates it to “closed”. Settled vs closed |
| Account paid in full after a late patch | The account and its history stay | Already the best ending; the late months age normally |
| An entry that is wrong | No, it should be corrected | A free dispute, resolved within 30 days |
An unpaid default keeps adding damage every month it stays open. Paying in full is best; if you settle, aim to pay the shortfall later and get it marked “closed”.
Download your full report from each bureau (one free report per bureau every calendar year). Wrong dates, amounts or status can be disputed. If not fixed in 30 days, you are owed ₹100 for each day of delay.
Every EMI and card bill on time, card use under about 30% of the limit, and no bursts of applications.
Choose a lender whose credit officer reads the full report, and be ready to show proof of closure and why it happened.
Omozing considers salaried applicants from a score of 600 with a take-home of ₹40,000 or more. A credit officer reads the full story, not just the number.
Job-loss runway: See how many months your savings would last and which EMIs to protect first.
Bureaus hold at least seven years of loan history, but no one should promise deletion on a fixed date. What you can count on is that an old default weighs less over time.
No. Paying it changes the status and stops new damage, but the late months stay in the history. It is still the single most useful step.
Sometimes. Lenders look at how old it is, whether it is resolved and how you have paid since. A recent, unpaid default makes approval much harder.
No. Accurate negative information can’t be removed by anyone, for any fee. Only errors can be corrected, and disputes are free.
Dispute it with the bureau straight away. It must be resolved within 30 days, with compensation of ₹100 a day if it runs late.
Next questions people ask:
Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment. See our regulatory disclosures and grievance redressal process.