Archive for May, 2009


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Is hacks 4 sake the real deal or a fake like its predecessor hacking services?

Sunday, May 31st, 2009

Hacking services had a lot of services but they were all fake{scams for money}. Now, Hacks4Sale has taken over, and I wonder if they are the real deal or another big scam.

Its a scam, every order number is the same. This forum also found out it was a scam: http://trance.nu/v4/forum/viewtopic.php?t=167353&postdays=0&postorder=asc&start=0

i uninstalled registry cleaner pro manually from my computer but every time i start computer it comes on?

Saturday, May 30th, 2009

how do i uninstall registry pro cleaner?Did it manualy but when I start compter, it comes on screen..HELP

Go to start ….. run ….. and type msconfig and give ok. Then click the startup tab and uncheck the Registry Cleaner pro. OR Try uninstalling in safe mode.

What is the online address for the free credit report w/ free fico score I saw on TV?

Saturday, May 30th, 2009

I saw a commercial on tv today that offered a free fico score with your free credit report. Usually you have to pay extra to see your FICO score so I was interested. It was from Experian or Equifax but I can't remember which now. The address was something along the lines of www.(experian or equifax)/????something???
Does anyone know???
Thanks!
It is NOT freecreditreport.com though both my sons stop to listen to their jingles. This was direct from one of the 3 credit reporting agencies and the offer was good into March. Usually when you request your free yearly credit report from Experian, Trans Union or Equifax you have to pay to see your FICO score. This tv offer was for your free yearly score plus a free FICO with it.

All ads for FREE credit reports or free FICO scores are all SCAMS. They will only give you these reports IF you sign up for monthly reports at $9.95 to $14.95. Otherwise, you get nothing.

the real free site is: Annualcreditreport.com
It is a gov. site and is FREE. No FICO

New Law this year: All credit reporting agencies will have to include your FICO score in your report - Free. Until then you'll have to pay for FICO score.

Repair Your Credit Rating With A Secured Credit Card

Saturday, May 30th, 2009

Most people who have taken out a loan or use a credit card have credit rating. However, if you miss a payment or owe money to a creditor, the creditor will report this to a credit reporting agency that keeps records of your credit report. If you do not repair your credit immediately, you will have a negative credit rating and you will not be able to get any credit or loan in the future. You must take immediate steps to remedy this and repair your credit rating.

A good place to start your credit repair is by using a secured credit card. It is usually impossible to apply for a credit card once you have bad credit, which in turn does not afford you any opportunity of proving to your creditor that you are capable of paying your bills responsibly and on time.

To repair your credit with credit cards, obtaining a secured credit card is a good option. Secured credit card is targeted specifically to people with bad credit. When applying for a secured credit card, you are required to place with the secure credit card issuer an initial deposit equal to the amount of your credit limit; that is, you will have a credit limit of $1,000 if you place a deposit of $1,000. The issuer has the right to deduct from your deposit any outstanding balance on your card statement that you fail to pay on time. This plan thus benefits both you and the issuer; in other words the issuer carries no risk thanks to your initial deposit, and you will not fall into your old habit of being behind on or failing to make payment,

Once you have received your secured credit card, you must start practicing good money management habits in order to repair your credit. Use the card but use it sparingly, and also make sure you pay on time. By doing so, you are demonstrating to your creditors that you can be trusted and are responsible, and in this way you will slowly repair your credit.

If you do not take any steps towards credit repair, the credit reporting agency will negatively mark your credit report for seven years, so that you will not be able to get any credit or loan for all those years. By taking a positive step towards credit repair such as by applying for a secured credit card and using it responsibly, you will not have to wait that long to get good credit again.

Susan Jan
http://www.articlesbase.com/non-fiction-articles/repair-your-credit-rating-with-a-secured-credit-card-58261.html

Evict the Spammers from Your Inbox

Saturday, May 30th, 2009

Block Spam and Other Email Threats From Entering Your Gateway
Spam, commonly defined as unsolicited commercial email, is a
powerful advertising channel for many products and services. As
a result, spamming has become a profitable business, driven by
the low cost of sending email compared to other direct marketing
techniques. The high return on investment for spammers has
resulted in an overwhelming volume of unwanted messages in
personal and business email boxes. Consider this: Conducting a
direct mail campaign costs an average of $1.39 per person,
meaning that a response rate of 1 in 14 is necessary just to
break even on a product with a $20 gross profit. Selling the
same item via unsolicited spam email costs only $0.0004 per
person, meaning that a response rate of 1 in 50,000 gets the
seller back to break-even; anything above that is gravy. With
profit margins like these, it’s easy to see why spammers will
try anything to get past anti spam technology to deliver their
messages to your inbox.

Types of Spam Threats The recent onset of fraudulent spam
variants such as phishing and spoofing pose an even greater risk
than the spam volume clogging email servers. Spammers use
techniques such as phishing and spoofing to fool users into
opening messages that, at first glance, appear innocuous.

Phishing Phishing is a specific type of spam message that
solicits personal information from the recipient. Phishers use
social engineering techniques to fool end users into believing
that the message originated from a trusted sender, making these
attacks especially dangerous because they often con victims into
divulging social security numbers, bank account information or
credit card numbers. In one six-month period from November 2003
to May 2004, phishing attacks increased in frequency by 4000%,
and the trend continues upward.

An example of phishing is an email that appears to come from a
bank requesting that users log into their account to update or
correct personal information. When the users follow a link
embedded in the email, they are redirected to a site that looks
and behaves like the expected bank website. However, unbeknownst
to the soon-to-be identity theft victims, the site is actually
controlled by the scam artists who sent the email; any and all
information entered by the victim can now be used in a variety
of ways, none of them good.

Spoofing Spoofing is a deceptive form of spam that hides the
domain of the spammer or the spam’s origination point. Spammers
often hijack the domains of well-known businesses or government
entities to make spam filters think the communication is coming
from a legitimate source.

Today’s spammers are more crafty than ever before and have begun
blending elements of both phishing and spoofing into their
messages, further spinning their web of deception. The toxic
combination of spoofing and phishing presents a major threat
that can trick most anyone into providing personal information
to a stranger.

Toothless Legislation On January 1, 2004, President Bush signed
into law the “Controlling the Assault of Non-Solicited
Pornography and Marketing Act of 2003,” or “CAN-SPAM” Act. While
well intentioned, CAN-SPAM has done little or nothing to curb
the flow of unwanted email. In fact, an estimated 97% of all
spam email sent in 2004 violated the Act, and the United States
still dwarfs other nations in terms of the origin of spam, with
CipherTrust research revealing that an astonishing 56.77% of all
spam comes from U.S.-based IP addresses. While CAN-SPAM was
designed to decrease the overall volume of spam, the exact
opposite has happened: in 2004, spam accounted for approximately
77% of all email traffic, and phishing attacks continue to
increase exponentially, with studies showing an increase of
4000% from November 2003 to May 2004.

Anti Spam Software for the Desktop The dramatic increase in spam
volume has prompted a corresponding surge in stand-alone anti
spam software solutions for the desktop, all with varying levels
of effectiveness. Some anti spam software uses text filtering to
screen incoming messages for known characteristics of spam,
while other solutions rely solely on reputation systems that
monitor and categorize email senders by IP address according to
their sending behavior. Still other anti spam software uses
“challenge/response filters” to block unapproved mail until the
sender responds (manually) to a challenge email sent to their
email account to verify his or her identity.

With so many different methods of filtering spam, no single
software-based desktop anti spam solution is capable of
effectively stopping spam before it reaches the inbox. The only
way to successfully fight spam is to create an anti spam
“cocktail” including reputation services, text filters, constant
updates and a host of other best-of-breed spam blocking methods.
Just as importantly, an effective anti spam solution should
reside at the email gateway, not at the desktop. Without
protection at the gateway, mail servers waste massive amounts of
bandwidth and storage space processing every message, wanted or
not, and end users face the unenviable task of deciding what to
do with the countless spam messages that successfully reach
them.

Take a Consolidated Approach to Anti Spam Although it takes a
person only a moment to process a message and identify it as
spam, it is difficult to automate that human process because no
single message characteristic consistently identifies spam. In
fact, there are hundreds of different message characteristics
that may indicate an email is spam, and an effective anti spam
solution must be capable of employing multiple spam detection
techniques.

In addition to effectively identifying spam, businesses must be
assured that legitimate mail is not blocked in error. Even one
false positive, or incorrectly blocked email, can have a
significant impact on businesses today. Accurate spam blocking
requires a combination of tools to examine various message
criteria combined with real-time research and intelligence data.

By aggregating multiple spam detection technologies like text
filtering, reputation services, traffic analysis and other
best-of-breed techniques, and placing the solution at the email
gateway in a hardened appliance, enterprises can retake control
of the inbox.

Paul Judge, Cto, Ciphertrust, Inc.
http://www.articlesbase.com/spam-articles/evict-the-spammers-from-your-inbox-2632.html

Simple Steps to Protect yourself From Identity Theft

Saturday, May 30th, 2009

If you have been keeping up with trends, you probably realize that identity theft is one of the fastest growing crimes of this century. Contrary to popular belief, the primary cause of it is not because more people are online since the crime of identity theft is not limited to online transactions or online banking. But it is caused by people not paying attention to the contents of sensitive information that they receive, online or offline, and not guarding that information with the care that it deserves.

Would you throw your banking account numbers with password and security codes into a trash can without shredding them first? Dumpster diving to retrieve information just like this has been a popular pastime for many thieves, and many of them are being rewarded for their efforts by being able to get enough private information about you to where they can open new accounts and get new credit cards in your name, but have the actual cards sent to a fake address somewhere. The first time you become aware of it is when a bank you have never heard of calls you and asks when you are going to start making payments on an overdue credit card account that is charged to the hilt, and you did not even know it existed!

It is even worse if you do things online. That is not to say that you should not do things online or shop online, but at the same time, you need to be smart about how you do things so that you do not leave yourself wide open as a potential target for these identity theft thieves. Most of this is just common sense if you think about it, but we should look at some of these things so that you can think twice about the next time you see it.

Never open an email attachment from someone you do not know. It may say it is from your late Uncle Fred about the money he left you in his will, it may claim to be from the IRS, or it may even claim to be from your Internet service provider or your bank. Do not open it. Even if you have the latest anti virus software, sometimes things can get past that software.

Never click on a link in an email from someone you do not know. The email could claim to be from the phone company or your bank or your stock broker or whatever, but never click on a link, which will typically ask you to verify your account information. They would never ask you to verify your account information this way. If you are wondering about it, call them on the phone and ask, but never click that link.

You know all that mail you get (not email, but regular postal mail) that contains those pre-approved credit card offers? What do you do with them? Do you just throw them in the trash? Those offers frequently have more than enough information to where someone who is dumpster diving can get that pre-approved card that was offered to you. Go to your nearest office supply store like Best Buy or Office Depot and get yourself a shredder, then shred those documents before you throw them away to avoid this type of situation.

Identity theft is not a pleasant experience, and if you do not check your credit report every now and then, it could be several months before you realize anything is amiss, at which point the thief is long gone. The best offense is a great defense, and that old saying applies to protecting your information against identity theft as much as anything else.

Jon Arnold
http://www.articlesbase.com/law-articles/simple-steps-to-protect-yourself-from-identity-theft-139276.html

Reason to Clean the Registry

Saturday, May 30th, 2009

There are many things that can slow down the operating system of a computer. The cramming of the registry is only one of the most common things of the lot. The other things that contribute to the system slow down is spy ware and adware that is downloaded from the Internet without the user even knowing it. These enter the registry and play havoc. There are many programs such as ActiveX controls that download automatically and lodge in the CLASID section of the Registry and begin to slow down the system more and more each day. The only way out is to clean the registry regularly with registry software cleaner.

The Role Of The Registry

So, what is this thing we constantly refer to as the system registry? In the beginning when Windows was still in the evolvement stage Microsoft had to incorporate a way that the operating system could keep track of the file and user information so that the OS could locate them easily. This was initially located in the INI folders. Now there was no way to clean the INI folders with automatic software like the registry Tweaknow cleaner we have today. The INI folders kept growing and slowing down the operating system which had to be cleaned manually unlike the registry windows cleaner available online today.

Now Microsoft came up with a solution and that was to include a system registry in their later operating systems. This brought with it a new problem. That was that the registry kept expanding with daily use of windows. When the system requested some information the registry starts from the beginning to search for the information. As the system grows this process takes longer and longer (This is just an example and not the actual way it works) Thus slowing down the operating system considerably. So, the registry has to be cleaned of the downloaded software, which is of no use once the WebPages, or program has been run anyway.

Not A Manual Process

This cannot be done manually. The reason for this is that there is no such thing as a registry guru. So, if you do not know exactly what you are doing do not mess with the registry of your system. Get a free registry trial cleaner if you have little faith and see for yourself the power of a windows registry cleaner. An online Registry Cleaner will scan your system for redundant files that are linked to nowhere and just taking up space and in the bargain slowing down the system to a crawl. Then this registry cleaner online will repair the registry by removing these redundant and useless links. The result is that the system will run smoother with no hitches at all.

So even though you do not know anything about the system registry, you can go ahead and download a registry window cleaner and service your system yourself and see the difference. You will surprise yourself.

Arvind
http://www.articlesbase.com/software-articles/reason-to-clean-the-registry-56734.html

A Guide To Do It Yourself Credit Repair

Saturday, May 30th, 2009

Once you have established major credit problems, it can feel like your head is barely above water. Most people don’t know how to fix what they started, and if they did, they wouldn’t have credit problems to begin with. Where do you find help for the credit hole that you have dug for yourself? The truth is that you should seek help from within, so you do not fall victim to scams, but rather find a solution yourself.

Just as there are get rich quick schemes, there are an equal amount of ads from fly by night companies that will offer you ways to get out of debt quickly. Face the facts, there is no easy way to get out of debt. Don’t believe the promises that some company can magically erase your financial mishaps. Very few are legitimate and very few will do what they say.

If a company does not give you all of the information on your own personal legal rights, or if they don’t explain that you can do things for yourself for free, they are probably an irresponsible company. If someone tells you that you cannot contact a credit report company directly, they are lying.

If anyone asks you to pay for any sort of credit fixing services up front, they are scamming you. If a company tries to get you to make up an identity and apply for an Employer Identification Number instead of your Social Security number, make sure that you like them because you will probably be sharing a prison cell with them.

The truth is that no one has the capabilities of removing anything negative from your credit report. You may dispute something in your credit report, but you can’t have someone go into the computer system and erase it. The point is simple: everything that a credit repair service can do, you can do for yourself. The issue then becomes whether or not you want to do it yourself.

Everyone is entitled to a free credit report if you have run into problems like being denied for something like insurance, or employment. You do have to ask for the credit report within 60 days of denial though. If you are unemployed, on welfare, or if you are suspecting identity theft, you are entitled to one free report a year.

Certain companies are required to fill this free request such as Equifax, Experian, and TransUnion to name a few. If you decide that you need an additional copy of your credit report before 12 months, you will have to pay a $9.50 additional charge.

In the case of credit prevention is the best medicine. Don’t fall into the trap of letting your payments slip and you won’t have to deal with the hassle of repairing it later on. As an added measure of precaution you may want to enlist the help of one of the credit report companies.

Many people use these companies to keep their records up to date and alert them of any identity theft. The government can also be of service; and you can visit their ftc website for further information. When it gets right down to it, the best way to avoid dealing with credit repair is to not get yourself in that position to begin with.

MIKE SELVON
http://www.articlesbase.com/non-fiction-articles/a-guide-to-do-it-yourself-credit-repair-137054.html

Debt Consolidation as a Means for Credit Repair

Thursday, May 28th, 2009

Although everyone’s socio-economic status and situation is different, almost everyone is in some sort of debt at any given time. This can mean small debts like credit card bills or in-store financing, as well as larger ones, like outstanding auto loans and mortgages.

What this means is that almost everyone is dependent on credit, and without credit, many things you take for granted will become difficult. The key to your credit worth at any given time is the credit report maintained by the three credit bureaus. Once you fall into default, or miss payments to your creditors, each credit bureau will receive notice and you will find yourself saddled with a poor credit rating. Effective credit repair involves many different steps, and is particular to each individual’s situation. A good solution for most people in terms of credit repair, however, is debt consolidation.

One of the most important things in credit repair is to act quickly. Although your credit rating will become damaged as soon as you begin to miss payments to your creditors, it will get continually worse if you continue to do so. Many people get confused into thinking that credit is either “good” or “bad,” and that once they get into trouble with a creditor, it’s fruitless to try and rectify it. The opposite is true, however; so even if you are in bad standing with creditors, credit repair still requires that you pay off your debts as quickly as possible.

The problem for most, of course, is that they typically don’t have the money to pay off the debts. After all, 95% of the time, a person’s economic situation is the reason for the missed payments in the first place. It is for this reason that debt consolation can be an excellent tool in repairing credit. It works by consolidating all of your debts into one loan. In other words, if you have multiple outstanding debts, you take out a loan from one company, use that loan to pay the debts, and then make payments only on that loan.
What debt consolation achieves is flexibility in situations where debt is becoming unmanageable.

Although you will ultimately owe the same amount of money, you could get a debt consolidation loan over a long term, so your monthly outgoing expenditures will drop. Most importantly, debt consolidation immediately puts you back on solid footing with your creditors, and ultimately bodes well for credit repair. Things won’t be perfect, but your creditors will report that you have cleared up your debts, and so the process of credit repair can begin.

Debt consolidation is an important tool in credit repair because it allows your status with creditors to change very quickly: you go from someone on bad terms with multiple creditors to someone on good terms with a single one. It allows you to stop the damage before things get out of hand, and gives you the breathing room you need to engage in credit repair. In this way, intelligent debt consolation can be a very valuable tool.

Tabitha Naylor
http://www.articlesbase.com/non-fiction-articles/debt-consolidation-as-a-means-for-credit-repair-68566.html

What is Anti-spam Software

Thursday, May 28th, 2009

Before we learn about anti-spam software, we need to first know what is spam. To put it succinctly, spam is unsolicited and unwanted email. Other names for spam are Unsolicited Bulk Mail, Excessive Multi-Posting, and Unsolicited Commercial email, in addition to the more common – spam mail, bulk email or just junk mail. The advent of email brought in an era of instant communication, where information reaches our desktops, at negligible cost, and in no time at all, from across the globe.

Along with the benefits, came the negative aspects of email. For the multitudes of marketing hawks out there, this was an opportunity to send unsolicited promotions of their products, instantly, and at a very low cost. Today, spam has reached such monumental proportions that 10 out of every 13 emails (76.9%) we receive are spam, one way or the other. This is why anti-Spam filter has become a must have software for almost all PC users.

Stopping Spam

Simply put, anti-spam software helps detect spam. It is a software program that detects unsolicited and unwanted e-mail, and prevents them from reaching your inbox.

Anti-Spam software is also known by many different names, such as: Spam Filters, Email Spam Filtering, Spam Blocking Software, Anti-Spam Filter, Spam Filtering Software, Spam Blockers, Bayesian Filters, and Anti-Spam, among many others.

Anti-spam software is installed in your machine to divert the spam coming in. If installed in the mail server, you will never receive the spam, to begin with. The filtering is configured based on a number of criteria. These could be specific words in the subject line, in the body of the message, and the type of attachments accompanying the mail. You could arrange to filter out even the sender’s email address. Certain Internet Service Providers (ISPs) maintain a blacklist of habitual spam senders - known as spammers. Anti-spam software detects these blacklisted senders and rejects them per se.

Over time, anti-Spam software has become sophisticated to match with the wiles of the spammers. They use techniques that do not trash genuine emails by effectively analyzing the content of the email. Such software looks for keywords and tries to interpret their meanings in the sentences. Certain spam filters do not accept emails that come to you in the form of “Undisclosed Recipients.” They accept emails where your email address is in the “to” or “cc” fields.

Anti-spam software has become an essential part of your computer’s security, to ensure that you only receive the emails you want, and not others. To help eliminate spam, look for anti-spam software that has the following features, among many others:

• Blocking emails using both lists and preset filters – blocks specific addresses, watches subject lines, and messages within

• Updating filters automatically

• Isolates spam outside of your inbox

• Puts acceptable emails automatically into your safe list

• Monitors and filters multiple email accounts

Now that you know the basics about the need and importance of anti-Spam filter, select the right one for your computer and get rid of the menace of Spam.

Arvind
http://www.articlesbase.com/spam-articles/what-is-antispam-software-54843.html


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