It took me less than a day to do this against Sprint, who removed the 1800$ charges to my cell phone that had been stolen--After the charges had been on my credit report for more than a year.
Either get off your fucking ass and resolve the situation or quit being a fucking whiner about it.
Christ allmighty Jiraffe, you asked for advice and I gave you a solution and you are whining. Who cares where the roomie went???? That has no impact on the whole thing. And one card does not make your credit report look like swiss cheese. Now, if you were like me and maxed out 18 credit cards and brought a 750 credit score down to 450 to pay for bills and food and rent after job loss, then yes, you would likely have a credit report that looks like swiss cheese.