<prompt> Human: I know I am at fault here, I should have addressed this earlier, but I did not know how. My ex-GF stole my Credit Card and spent over 3000 in cosmetics and other treatments. To make things worse, it was a card I did not use regularly, so I did not realize what had happened, and missed payments which affected my credit score. All of this happened about 10yrs ago. I have little hopes I can do anything, but if i could, it would feel real good. Edit: I am living in the US  <response>: In the US, negative items fall off your report 7.5 after the DOFD.Plus the SOL for collecting is most likely over.This should not be an issue anymore. 