I need to download new antivirus protection and I am wondering why you do not include VIPRE in your reviews. Is it because it doesn't work as advertised? Just trying to choose the best.

A: We haven't gotten around to reviewing VIPRE yet. While we can't comment on its effectiveness as anti-virus software, it does not seem to have a built-in firewall. While VIPRE has a separate firewall module available for purchase, we tend to prefer products that offer the firewall as part of the full suite. The combined price of the VIPRE anti-virus and the firewall would push the price into the $50.00 range (or more, if you're looking for multiple licenses), putting it in the same price category as many of the suites we reviewed, such as McAfee. Some, such as BitDefender and ZoneAlarm are even cheaper.

Q: Will Norton Internet Security 2010 software work with both the Windows Vista SP2 32 bit and 64 bit systems?

A: Yes, Norton Internet Security 2010 works with both 32- and 64-bit versions of Vista. Here's the official line from the Norton site:

Microsoft Windows Vista® (32-bit and 64-bit) Starter/Home Basic/Home Premium/Business/Ultimate

Norton Internet Security 2010 is our favorite of the current crop of Internet security software. It's been well-received by the press, including an Editor's Choice award from PCMag, and has captured a number of awards, including the AV-Comparatives Advanced+ rating.

You can read our review here, and you can use the coupon code SYM2010NEW to receive a 10% discount if you decide to purchase it.

Q: Can I backup my operating system?

A: By default, most online backup services are set to backup documents and other irreplaceable items on your hard drive. In general they do not automatically back up programs or your operating system (or OS, for short). Now, you can have your service back up pretty much anything on your hard drive. While it's crucial to have a restore disk with your OS on it, it's critical that the backup is on a separate, physical installation disk, such as a CD ROM. And it shouldn't just be a copy of your OS; it should be a full restore disk that will install a new OS from scratch. There are three big reasons why, and they're related:

The OS is the foundation of your system. In order to access your online backup service, you have to be using your OS; it simply runs everything. Trying to replace the OS on your startup disk would be a bit like trying to swap out the engine of our car while you're driving it.

Similarly, if your hard drive ever does crash, and your OS goes with it, you won't be able to access your online backup service. You'll have to start up from a separate startup disk. Once you have your system reinstalled, you'll be able to connect to your online backup service and get your documents back.

Now, you might ask why you can't just startup from that external disk, access your online backup, and then restore your OS from a browser running on that external disk. While that may work, a clean install is always the best way. If you've backed up your email, various libraries and preferences (Carbonite does this, for instance, but you should always check to see what your service backs up by default). There are just too many components in the OS that need be installed in a particular way, and in specific places.

Q: I have a Windows XP machine and want to back-up data, then download to new Windows 7 machine. Will this work? Thanks

A: Yes, this will work, provided you use a backup service that is Windows 7 compatible. IDrive is the only service we've reviewed so far that claims that its software is Windows 7 compatible. However, any of services that allow web-based interaction should work as well, since they use a web app for the restoration. Backing up your documents, music, photos, and videos will enable you to "restore" them to a new Windows 7 machine.

We will put in our standard warning that this will probably be slower than a direct connection between two computers. A complete backup can take a day or more, depending on your Internet connection. There are a few reasons for this, one of which is that it takes time for IDrive to encrypt and unencrypt your data, a crucial operation for safeguarding your files.

However, if you already have a compatible online backup solution, or you plan on purchasing one, there's no reason why you shouldn't give it a try.

Q: If someone who has just turned 18 and has no prior credit history loses his wallet, what can he do to prevent someone using his driver's license to open up new accounts in his name? Would it do him any good to contact the credit bureaus, or are they only an available resource for people with credit histories?

A: A credit report is not created until you open your first line of credit. And if you do not have a credit report, it is not possible to set a fraud alert. Since the young man in this particular case is now over 18, he should request his own credit reports from all three bureaus in order to confirm that no fraudulent accounts have been opened in his name. He may also find that he does, in fact, have a short but legitimate credit report already, perhaps due to a gym membership, DVD rental card, or student loan. If so, he can set fraud alerts or freeze his credit file to prevent new accounts from being opened in his name.

If he truly has no credit file whatsoever and wishes to set fraud alerts or freeze his credit, he would first need to apply for some form of credit, such as a credit card. In order to acquire his first credit card, he may need a cosigner.

However, whether or not this young man has an existing credit file, he could subscribe to a credit report monitoring or identity theft service, which would immediately alert him to any suspicious activity. You can check out our reviews, comparison charts, and frequently asked questions to learn more about credit report monitoring or identity theft protection services. You may also be interested in our Student Identity Theft Protection Guide.

Q: You state how many computers McAfee claims to protect. Do you have any info on the numbers of computers the others protect?

A: Thanks for the question. If an Internet security product has licenses for more than one PC, we list that in the chart with the price. We try to be current with all price/license information, but you should always make sure that the product you're purchasing supports the required number of PCs when you're at checkout. Here's a list of Internet security products we've reviewed that support multiple licenses:

Norton (3)
McAfee (3)
Trend Micro (3)
CA (3)
Webroot (3)
ZoneAlarm (3)
Kaspersky (3)

Q: I purchased your product about a month ago then I bought a new computer because my old one was so stinking slow. Can I transfer Carbonite to my new computer (It even has my old hard drive in it)?

A: It's a great question, but first we should clarify that while we do review and provide links to Carbonite, NextAdvisor.com is a separate company. With that out of the way, here's the answer to your question:

In short: Yes. That's the great thing about a subscription-based services like Carbonite. I found these instructions on the help section on Carbonite's web site. I'm assuming you reformatted your drive when you put it on the new machine, so the first step probably doesn't apply to you. The main thing you need to do is access your Carbonite account online and transfer your subcscription to your new computer, but here are detailed steps:

1) If the computer that Carbonite is currently installed on is still in use, Uninstall Carbonite (using Add/Remove Programs from Control Panel). Otherwise, proceed to step 2.

4) Follow the instructions to download and install Carbonite

Again, some of these steps will depend on whether or not you reformatted your drive. And if you did reformat the drive, you can use Carbonite to restore the files that were on your old machine.

Q: My bank is lowering my credit card limit, even though I always pay on time. Will this hurt my credit score?

A: Unfortunately, yes. Lately, many lenders have been cutting credit limits, even for consumers with high credit scores. And the ratio of the balance you carry to your available credit is an important factor in calculating your credit score. Sometimes, a credit limit is cut due to underuse, rather than failure to make payments. So if that is a concern, be sure to use your oldest credit card, or the card with the highest limit, from time to time. Depending on the limit and the balance you carry, you may also be able to offset the negative impact by paying off more of your balance. Or, if necessary, it may make sense to open a new credit account with a high limit.

See our reviews and comparison charts to learn more about credit reports and scores and credit cards.

Q: How do I switch from a center to mail order because there is not a center near where I am moving?

A: Jenny Direct, Jenny Craig's at home weight loss program, offers the same food, tools, and personal support that are available at Jenny Craig's local centers. Your Jenny Cuisine and program materials will be delivered by mail, and you'll speak with your consultant over the phone. Current Jenny Craig memberships are transferable back and forth, from a Jenny Craig center to Jenny Direct and vice versa. To transfer your membership to Jenny Direct, just speak with your personal consultant or request an instant call back from a Jenny Craig customer service representative.

To learn more about Jenny Craig and other online diet services, see our reviews and comparison chart.

Q: I have a 3 score report from True Credit and one from Experian. They have totally different scores. Why would this be? I am trying to get Identity Guard but have not had success with that.

A: Your credit score is calculated based on the information in your credit report, and you have three different credit reports, one from each of the three major credit bureaus. Since some businesses choose to report to only one or two of the three bureaus, it is likely that each of your three credit reports contains slightly different data, which would result in different scores. The credit bureaus use different formulas to calculate their scores, which is another reason for variation. Your credit score also changes as new data is added to your credit report, so if you request credit reports and scores from different bureaus at different times, that would account for further variation.

The varying scores provided by the credit bureaus can help you gain an understanding of your credit health. But the vast majority of lenders rely on the FICO scoring system, created by the Fair Isaac Corporation. You have three FICO scores, one based on each of your three different credit reports.

You can purchase your TransUnion and Equifax FICO scores directly from MyFICO. MyFICO also offers a service that monitors your Equifax credit report and Equifax FICO score and alerts you to any changes. Equifax offers a similar service that provides your Equifax FICO score, but monitors all three credit reports. Identity Guard monitors all three credit reports and provides all three credit scores as calculated by the CreditXpert scoring system, which is similar but not identical to the FICO scoring system. It is not possible for consumers to access Experian FICO scores at this time.

If you are particularly interested in your FICO score, the best option would be to obtain all three credit reports and your FICO score from Equifax. Assuming that the data is consistent across all three reports, it would be fairly safe to assume that your Experian and TransUnion FICO scores will also be quite consistent with your Equifax FICO score.

However, it is important to bear in mind that the information on your credit report matters more than any individual credit score. You can't necessarily anticipate how a particular lender will choose to calculate your score, but you can ensure that the data on all three of your credit reports is positive and accurate.

To learn more about credit reports and scores, see our reviews and comparison chart.