Sounds like you already have your answer.  Just tell them what happened, and concentrate on measures you have/are taking so that it never happens again.  It's a CU, they are usually down to earth people that tend to deal with this sort of thing on a more personal basis than a big bank would.  Sounds like they want to give you the benefit of a doubt to me.  Go for it.

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!

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