BBC News had a piece on virus and hacking tools that have become a commercial commodity for criminals to purchase. Apparently all kinds of hacking tools are now offered commercially and as kits. Expect more SPAM, phishing, and other types of attacks in the future.
Another threat to personal computers stems for poor or even fraudulent anti-virus and/or anti-spyware software. There is plenty of anti-spyware software out there that really only makes the problem worse. Bad and dangerous programs posing as security software are certainly not good. Therefore, buy your products only from large, established, reputable companies.
A notorious case of such rogue software is/was SpyLocked or SpyWareLocked. Searches with google turn up lots of sites with instructions how to remove it. See, e.g., these removal instructions.
It even got its own entry on Wikipedia. Another fake program is VirusLocker (see these removal instructions).
The imagination of fraudsters is unlimited. Check out this huge list of bad software sites on the Spyware Warrior Site.
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