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missed a credit card payment for $50 and forgot
My spouse has missed a Macy's credit card payment and she forgot to pay it for more than 6 months because her billing address was different than her residential address. She finally paid it off in the 7th month. It was almost 2 years now and she has 20% debt to credit ratio. Her score got dinged and no matter how hard we try it is not going beyond 685. Her score was hovering between 665 and 685 for the last one year. Please advice how to fix her credit score now.

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