My Spyware Story

Have you ever been the victim of spyware, Is your computer behaving strangely lately, Do you know that most computers connected to the internet are infected by spyware, adware, malware and trojans. Have a look at 'My Spyware Story'. Read what happened to me, how I fixed my spyware problem and what I recommend that you do. Did you know that up to 90% of computers connected to the internet are infected by spyware, adware, malware, trojans etc. Think about it.

Someone could be spying on your every movement, recording your credit card transactions or going through all the files on your computer. My screen went blue, I kept getting a flashing message telling me that my computer had been infected and prompting me to go to a download site to obtain the latest anti-spyware solution.

Naturally I didn't do that. The first thing that I did was pull the plug on my internet connection, then run my anti-spyware software. What happened next was really surprising. My software detected some 75 different spyware items but it could not delete them. This happened in spite of me running a full spyware scan of my computer the day before. I rang my local technician who had built my system: "Restart your system in safe mode and run your anti-spyware software again".

Once you know that you are at risk for identity theft, you can already start measures to prevent this from happening. Finally, most credit monitoring services these days come with a simulation showing different situations that could have possible effects on your credit rating. Using the simulation, you will know how to increase your credit scores, as well as avoid the things that could actually lower your credit rating. These services come with monthly fees, but at least you know that your financial future is secure.

There are many features of credit monitoring that are great whether you are trying to repair your credit or already have outstanding credit. Each of these features can benefit you in a different way. For those with good credit, a monitoring service will help you avoid Identity Theft and allow you to monitor changes in your credit score. For those struggling to build credit or repair bad credit, you can determine the negative items affecting your credit record and monitor your credit score for changes as you make efforts to repair your credit.

For those of you with bad credit, you most likely will want to monitor your FICO score as you attempt to fix your credit. The FICO score is the score most widely used by lenders when ascertaining whether to approve you for a credit card or loan. This is important to note when shopping for a credit monitoring service as many products will give you their own credit score and not a FICO score.

When creditors report to the credit agencies, they are not obligated to report to all 3 of the national credit reporting agencies. For this reason, it would be a good idea to get a copy of your credit report from each credit reporting agency. This will allow you to get an insight on which of your creditors are reporting to which credit reporting agencies.

Also, you may find false information that is adversely affecting your credit, but at only one credit bureau. There are many credit monitoring packages available and most will offer a combined 3 bureau credit report. This can be a great convenience since the format of credit reports from each agency is different. The combined 3 bureau credit report will be in the same format and will make it easier to spot the differences in the different bureaus credit report. Once you have great credit you will most likely want to do everything you can to keep it that way.

For this reason, monitoring your credit reports and scores is vital in maintaining that great credit you worked so hard for. All of the credit monitoring services that I have reviewed or personally used have email alerts that will let you know about major changes in your credit report or changes in your credit score. Major changes in your credit report of score could be an indication of Identity Theft and so this is one of the best ways to alert you of this possibility.

Your credit score matters. Those three little digits help financial institutions decide whether to give you a loan and on what terms. The higher your score, the less risky you appear to lenders — and that means you'll pay less interest. The FICOSee note® score, used by many lenders, ranges from 300 to 850, but there are other scores with a similar point range. All reflect how you handle financial commitments. Knowing what lenders deem risky can help you avoid mistakes.



Made mistakes in the past, CreditCheckSee note® from ExperianSee note® gives you access to your credit report and score. Pay all of your bills on time, every time. That affects a third of your score. Don't carry a credit card balance or, at a minimum, keep it below 25% of the limit.