The vast majority of computer viruses are designed to help cyber-thieves steal credit card numbers, online bank account credentials and other valuable digital assets such as login names and passwords.

BBC: Computer virus hits second energy firm

During that period, many homeowners were encouraged to consolidate their high-interest and revolving credit card debt into their lower-cost mortgages with hopes that it would help them save money, Manning said.

CNN: Looking for ways out of the subprime mortgage crisis

Debt-protection services, which cover your credit-card bill when you can't, can help out if you become ill or lose your job, protecting your credit score, the Government Accountability Office said in a report last month.

WSJ: Getting Going: The Financial Fear Mongers