There is a small red box in my credit report saying KD. I've no clue what does this mean.

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The actual phrase is key derogatory. A kd mark on your credit report means that your account has not been paid and is delinquent. A kd mark on your report always have a negative effect.

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KD stands for Key Derogatory. This means that the account has not been paid yet and is delinquent. However, before doing anything you should double check the account. If it is one of the accounts that is closed or should have been closed, then there must not be any KDs on it. Moreover, a key derogatory on your credit report will drop your overall credit score.


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