<prompt> Human: So my girlfriends credit card was stolen a while back. It was noticed quickly, all charges were refunded, the card was canceled and she was issued a new one. Today she checked Credit Karma and the site said her credit score dropped to 645 !!! due to a closed credit line. Is this accurate? I had thought that in the case of fraud, a canceled card was literal, as in they canceled that piece of plastic and gave you a new one--e.g. that your line of credit was unchanged.Is something wrong here, or is this just what happens? Is she screwed because of something out of her control?Thanks all!  <response>: It really shouldnt affect her score. Her line of credit should continue its history via a TRANSFER note on her report.Also, CreditKarma is not fully accurate. Wait a couple months and the FAKO score will bounce back. 