The underground economy in the exchange of stolen personal and payment information is unfortunately thriving. Through the presentation I will talk about the current trends and how through these trends, we can point to the future development in the attacks used by crinimal gangs online. I will demonstrate how cheap and easy it is today for a fraudster to build his toolkit, we will talk about the tools and techniques used and the relatively low cost and ease in obtaining these. Once personal information is compromised, I will be demonstrating how personal information is then traded in the underground economy and the growing areas this information is being put to use. We will look at who are behind keeping this underground economy thriving and why it continues to grow despite increased awareness. I will talk about what the security community are doing today to prevent data losses and what the future holds in this area to combat the growth of the Underground Economy.