My account got hacked just before the PSN hack so I didn't have very good luck back then. Thankfully the hacker was only sending viruses and stuff using my hotmail and didn't appear to use it for anything else even though so much more could have been done with everything linked to the same Windows Live ID. The worst part was all Microsoft did was block my e-mail account and I only found out a month after the fact when I cleared my cookies which signed me out of Xbox.com only to finally get a message about my account when I signed back in. Needless to say I wasn't happy that is all Microsoft did. For a month somebody had full access to my XBL/GFWL account, information and I do still have a credit card on file because I have had XBL from the start and never let it expire so even though I only used a credit card back on the original Xbox when it forced you to enter a credit card and have used pre-paid cards ever since it still considers the credit card linked to the subscription and I can't remove it