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She should be able to find out what caused the hit on the rating (credit report should show it), and if due to the fraudulent activity get it corrected - either by the card issuer or by contacting Experian direct.

These kind of breaches are really quite common.....only the catastrophic ones get made public.....

I had my card cloned once, was used to buy air and rail tickets in Eastern Europe (multiple countries). Barclaycard picked it up pretty quickly and called me to say they'd blocked the card due to 'unusual activity'. I guess anyone can buy an air ticket for anyone else, but suspect the flight has...

Stolen by criminals...........but hold BA accountable....bit of a contradiction, but agree BA should have done more to protect the data. You haven't claimed to have suffered any actual loss though ? Still sounds like the main objective is getting some cash out of them.............

We're all a bit pissed off about it, but what personal impact/loss have you suffered that personal financial compensation will mitigate ? They will be held accountable for their actions - the ICO will be all over them

Depends on the circumstances - I think it's typically (or at least historically) about a 60/40 card issuer/merchant split.......... Barclaycard (as an example) state the following : Fraud liability – who pays? If fraud happens, who the liability sits with depends on the method used to take...

Same here....nothing untoward so far though but keeping a slightly closer eye on it than normal. If your card is fraudulently used, there really is no need to panic or worry - replacement cards and full refunds will usually be very quick as Badger Boy states - card issuers get slaughtered by...