<prompt> Human: I hope someone out there can provide some advise for me on this situation. I have a credit card that I have kept at a 0 balance for quite some time. Stupidly, I did not check my account for a long period of time. Around April of this year I discovered there were two fraudulent charges made on my card way back in September 2013 that had maxed out my card. I immediately contacted my credit card company and had the card canceled and a fraud investigation opened. Since I had never made any charges on the card before that time, I had no idea there was an outstanding balance on it. Within a few weeks I was refunded on my credit card for the fraudulent charges as well as all the associated late fees. Over the multiple phone conversations, I had been told by the CC company customer services department that they would remove the negative marks that appeared on my credit report for past due balance as well.By October of this year I had run my credit report and found those delinquent payment marks still showed on my credit report. When I contacted the credit card company, they told me they would get this removed and that within 10 days I would receive a letter regarding this and within 60-90 days the credit agencies would update their reports. Since then I received a letter asking me to prove to them in writing why the delinquent marks should be removed from my credit report. I sent them back all of the documentation and a written description of what I had been told on the phone. They have now sent me a letter denying my request, saying that since I didnt make the minimum payment on time that the delinquent marks are valid.I understand that I messed up by not reporting the fraudulent charges sooner, but is there anything else I can do to try and save my credit score??  <response>: Why are you not dealing with the reporting agencies ? Contact them directly. 