According to the credit monitoring service I use, one reporting agency picked up on the compromised BoA account a day or two after it occurred. Another just picked it up today, almost 2 weeks after the fact. In both cases, the alert was filed in the "potentially negative" category, as if it might have some effect on my rating. Granted, they could be looking for keywords to categorize it. If not, what I'm wondering is this... how is it potentially negative when the only fraudulent charge was stopped, and the account already canceled and replaced weeks ago?