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Am using the credit card for almost 12 years, using 30% max limit no payment default and failure, but my score is 789 just and its increasing at snails pace found one of my friend whose score i saw was 870 asked him but he could not explain how this is so high any suggestion from any body?

SIR, TAKEN A CAR LOAN FROM UCO BANK HAVE NOT DEFAULTED ANY PAYMENT BUT THE CIBIL SCORE IS SHOWING 9 SMA HOW TO GET THE SAME CORRECTED ASKED BANK THEY ARE STATING THEY HAVE NO ISSUE ASKED CIBIL THEY ARE TELLING UNTIL BANK CORRECTS THEY ARE HELPLESS WHAT TO DO AND PLEASE SHARE ESCALALTION MATRIX...