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How will a late payment affect my score?
I am horrified - I thought I put my Macy's account on automatic payment in July, and it did not process, so I used my credit card in Sept and November - small amt each time - and tried to use it in Dec and it didn't work. The payment was missed on Oct. 28 and Nov. 28. I realized my mistake on Dec. 1st and payed the account in full at that time and made SURE i put it on automatic payment. It did not go to collections and my account has been reactivated, but it dropped my score by about 80 points. How long will this take to build back up?

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