How To Avoid Becoming A Victim of Identity Theft

With identity theft statistics currently at an all time high, and climbing, it just makes sense that we should all be doing everything we can to protect ourselves.

One of the most prevalent yet overlooked ways your personal information and passwords may be being compromised is through the presence of Spyware on your computer.

Note these very disturbing Facts about Spyware and Identity Theft:

- 27.3 million Americans have been victims of identity theft in the last five years, including 9.91 million people or 4.6% of the population in the last year alone.

- Spyware infects 91% of all computers. That equates to an alarming 9 out of 10 computers!

Stop thinking Identity Theft can't happen to you. It can.

Spyware is without doubt the most prevalent threat to online computer privacy and security.

You maybe wondering, exactly what is Spyware?

Spyware applications are programs and files that hide on your PC's hard drive without your direct knowledge. They allow hackers and advertising companies to track your every move, both online and even when you work offline.

Tracking the websites you visit, the items that you buy online, the emails you send and receive, your Instant Message dialog, and worst of all they can even record your credit card number, personal identification numbers, and all of your passwords.

If you use dial-up to connect to the Internet then spyware can be used to bill 900 numbers to your telephone bill.

Spyware allows hackers to take control of your browser and alter your computer system files.

These computer parasites slow down your Internet connection by inundating you with unwanted Spyware pop-up ads.

This is just a short list of the harm that Spyware can cause.

Note: Spyware and Adware cannot be detected by anti-virus and firewall software.

Have you noticed your computer running slower than ever?

The reason for that may have to do with online advertisers adding Spyware, or Adware to your computer without your knowledge.

What is Adware?

Adware works very much like Spyware.

Adware is software that will show you popup ads over and over. These files can also be extremely dangerous to your PC and could cause major problems with your Computer.

If you're still wondering why you should be concerned about adware or spyware, consider this reality.

Through the use of adware and spyware your passwords, credit card numbers and other personal information could end up in the wrong hands.

In an attempt to provide some much-needed information on the subject of spyware, adware and identity theft I've compiled a Special Report called Spyware! How To Get and Stay Safe.

The report is in PDF format and can be had for the asking by visiting the following URL: http://www.easyho w-to.com/identity-theft-avoidance.htm

Clyde Dennis, a.k.a. "Mr. How-To", is Editor at EASYHow-To Publications and has been contributing articles that help people make their lives better since 1999. At his web site, The "How To" Library, you'll find a collection of the latest tools, tips, and information you need to help you get things done. For more information visit http://www.EASYHow-To.com

Credit Traps Snag Consumers

Nearly 20 years ago I worked for a small consumer advocacy organization in Washington, DC.... Read More

Credit Cards, Merchant Accounts, and Your Bottomline

Q: I'm opening a gift shop and want to be able to accept credit cards.... Read More

Dont Trade Your Future for Todays DooDads

"Easy Low Down Monthly Payment," "Buy Now Pay Later," "You Deserve the Car Today and... Read More

Easing Your Financial Burdens With Credit Counseling

It is a well-publicized fact that more of us are getting ourselves into greater debt,... Read More

Your Credit Rating and How To Check It

There is a lot of confusion surrounding UK credit ratings, credit scores, credit blacklists, credit... Read More

What Can Happen to You as a Victim of Identity Theft, Facts & Figure

Is identity theft really that serious? Thousands of people every year are victims of this... Read More

Myths and Truth about Credit Scoring

Credit score is the key factor determining approval of almost any type of credit. It... Read More

What You Need to Know About Credit Reports

You hear people talk about credit reports all the time but do you know what... Read More

Bankruptcy vs. Credit Counseling: What Should I Do?

Credit Counseling and bankruptcy are both ways to relieve the stress of debt. However, they... Read More

Building Good Business Credit After Bad Credit

Can you establish good business credit if you have bad personal credit? The answer is... Read More

Why Is It important!

Your credit is the most important thing you have other than your breathe. There are... Read More

Credit Help for Real Estate Financing: Credit Scores

When you buy real estate, lenders run all of the "big three" credit bureau reports.... Read More

My Credit Card Application Was Rejected! Now What?!?

No doubt, you've probably gotten literally hundreds of credit card applications in the mail and... Read More

The Next Person With Credit Problems Got Their First Credit Card Today!

One of the focus areas of my information is the absolute necessity of changing the... Read More

Beware of Bogus Credit Repair Companies!

So-called "credit repair" companies claim they can remove negative information from credit reports. Advertising as... Read More

Winning The Credit Game!

Everywhere we go, the word credit can be found, shining huge dollar signs in front... Read More

What is a Credit Report?

Ever wondered what is a credit report? If you've ever applied for a credit card,... Read More

Credit Scores and Loan Applications

Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit ReportIt... Read More

Credit and Banking Money Saving Services

The first rule when applying for banking and credit services is to always read the... Read More

Credit Card Rates - Negotiating Rates with Your Credit Card Company

Ok, let's face it, everybody hates high credit card rates, and they drain hard earned... Read More

Credit Reports Inside and Out

The Credit Report is like your scorecard in the lending world. Every time you prepare... Read More

Maximizing Credit Card Rewards

In their quest to get you to sign up for their credit card, banks and... Read More

5 Things Your Credit Card Company Keeps Quiet About

Credit Cards can bankrupt you if you let them run away from you. The various... Read More

Credit Cards - The Basics

How Lenders Operate ? And How They'll Make a Tidy Fortune from the UnknowingCredit card... Read More

Bad Credit Loans For Those Who Seek Alternatives for New or Old Car

You can still save money on a Bad Credit Loan by comparing rates, checking out... Read More

Establishing Credit ? What You Need To Know Part 2

In my previous article "Establishing Credit ? What You Need To Know Part 1" I... Read More

Credit Report And Correction Techniques

The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a... Read More

The FICO Score Misconceptions

There are many misconceptions about credit scores out there. There are borrowers who believe that... Read More

Why Credit Cards are a Bad Idea

Credit cards are just so convenient, aren't they? There's no need to carry any money... Read More

Identity Theft - Dont Think You Are Immune

As identity theft becomes more prevalent, the need to regularly check your credit report is... Read More

Debt Collection Agencies

Debt collection agencies are often a viable option for receiving payment on overdue bills. Here... Read More

Minimize your Risk for Identity Theft

Identity theft is the fastest growing crime in America. According to the Federal Trade Commission,... Read More

Credit Cards - Why Prepay?

With prepaid credit cards, you get the practicality of plastic while choosing exactly how much... Read More

Trying to Land a Job? Poor Credit Scores May Hurt Your Chances

Many employers are now looking at an applicant's credit report for hiring purposes. During an... Read More

Online Credit Report and Online Credit Reports

Online credit reports are easily accessible to those interested in viewing them. If you have... Read More

4 Steps to Creating Good Credit

As a consumer you've learned the importance of establishing a good credit rating with your... Read More

What Are The Most Common Credit Card Mistakes?

Now in a world with so many easy to get credit cards it can be... Read More

Identity Theft ? Who Would Want Mine?

With all my bills who would possibly want my credit? Let them steal my identity... Read More

Annual Credit Report and Free Annual Credit Report

Getting an annual credit report review has been the advice of many financial managers as... Read More

Discover the Parts of a Credit Report and What They Mean

So you ordered a copy of your credit report to check for inaccuracies and get... Read More

Credit Report ? How Your Credit Score is Determined

Most consumers are aware that they have something known as a credit report that is... Read More

Credit Cards for Home Business

It is wise for you to have a company credit card like a VISA card.... Read More

Shoppers Beware - Tis The Season

It's the number one complaint from consumers and it only takes a moment for you... Read More

Pitfalls of the Credit Industry

The credit industry if rife with pitfalls. If you have ever owned a credit card... Read More

Free Credit Reports: From The 3 Major Credit Bureaus!

Get your credit report online for FREE. Many financial advisors suggest that you periodically review... Read More

Credit Report Disaster Through Mistaken Identity

I've got some very important info I want you to think very seriously about. I'm... Read More

Opting For A Credit Card? Check Out Certain Terms

You've just received a "pre-approved" credit card offer in your mail. Without wasting a minute... Read More

Good vs. Bad Credit Debt

Do you know the difference between good and bad credit debt? Most everyone seems to... Read More

Manage Your Credit Wisely

Getting your first credit card is a big deal and all young people look forward... Read More

5 Ways To Raise Credit Score

It's not as hard as you think to raise credit score. It's a well known... Read More