Wirelessly posted (BlackBerry: BlackBerry8530/5.0.0.1030 Profile/MIDP-2.1 Configuration/CLDC-1.1 VendorID/417)

"So, does anyone have any ideas how to repair my previously flawless credit score without being subjected to another two months of this?"

I don't, but how is it that you ignored the monthly statement on which the fraudulent charge first appeared? And there should be instructions on the back of your statement re: how to dispute a charge. Even if it took months for U.S. Bank to send you their affidavit form, that did not excuse your failure to dispute the fraudulent charge in writing in a timely manner. You have certain legal protections when it comes to fraudulent credit-card charges, but you must submit a dispute in writing within a certain period of time to preserve them.

Sorry to learn of your misfortune.