Vijaya Bank — regarding cibil score

Address:

562101

I am having salary sb ac in vijayabank chikkaballapura. My salary is credited to ac. My salry is not crediting properly due to allotment problem from our dept. It was credting like 2 months once like. I had a personal loan in vijaya bank. My cibil score shows low 560 your bank people knows how my salary is credinting to ac but y you pepole give lo score to cibil while loan amount is deduxting i am not intentionaly delay but my salary is delaying pks give solution to this