For $400-$700 you too can be a criminal hacker. Phishing hacking and spoofing software has been around for a few years.

The ease and availability of this good for nothing other than crime software has made it easier, cheaper and more user friendly than ever to get into the cybercrime business.

Anyone with moderate computer skills that can navigate around the web and upload or download files is pretty much capable of accessing and implementing the crimeware.

Todays crimeware kits are designed so a person who is new to the criminal hacking business can quickly get up to speed and snare victims rapid fire.

USA Today reports they’ve been blasting out fake e-mail messages crafted to look like official notices from UPS (UPS), FedEx (FDX) or the IRS; or account updates from Vonage, Facebook or Microsoft Outlook (MSFT); or medical alerts about the H1N1 flu virus.

The faked messages invariably ask the recipient to click on a Web link; doing so infects the PC with a banking Trojan, a malicious program designed to steal financial account logons. Often, the PC also gets turned into a “bot”: The attacker silently takes control and uses it to send out more phishing e-mail.

The crimeware software business models the manufacturing and distribution of the legitimate software industry. Criminals are also getting more sophisticated in marketing their wares and doing it openly online. Just because they sell crimeware, doesn’t mean the software is illegal. It only becomes illegal when it’s used to scam people.

The fundamentals of how to prevent phishing are presented here by the Anti Phishing Work Group

• Be suspicious of any email with urgent requests for personal financial information
  • unless the email is digitally signed, you can’t be sure it wasn’t forged or ’spoofed’
  • phishers typically include upsetting or exciting (but false) statements in their emails to get people to react immediately
  • they typically ask for information such as usernames, passwords, credit card numbers, social security numbers, date of birth, etc.
  • phisher emails are typically NOT personalized, but they can be. Valid messages from your bank or e-commerce company generally are personalized, but always call to check if you are unsure
• Don’t use the links in an email, instant message, or chat to get to any web page if you suspect the message might not be authentic or you don’t know the sender or user’s handle
  • instead, call the company on the telephone, or log onto the website directly by typing in the Web adress in your browser
• Avoid filling out forms in email messages that ask for personal financial information
  • you should only communicate information such as credit card numbers or account information via a secure website or the telephone

  Additionally

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3. Go to my website and get my FREE ebook on how to protect yourself from the bad guy.
4. Invest in Intelius identity theft protection and prevention. Not all forms of identity theft can be prevented, but identity theft protection services can dramatically reduce your risk.