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Missed annual fee payment, lowered score.
I had finally with much hard work gotten to excellent score. Just found out a credit card I haven't used in years had an annual free and I didn't get a statement. I missed the payment on the annual fee and it dropped my score way down. It is paid but my excellent credit score is gone. Anything I can do about that? How long will it take to restore my credit score back to where it was?

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