http://money.cnn.com/2013/12/04/tech...html?hpt=hp_t1
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So let's say you were infected and your anti-virus software, malware software and software updates didn't detect anything. Changing the password wouldn't do anything since they are logging your keystrokes anyways.
::Whisp::pssstttt...if they have your password(s), they can log their own keystrokes.