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Melissa Ellard, a fashion entrepreneur in Foxborough, Mass., says she would have been dateless for several months last year if not for Hinge, one of a number of new, increasingly popular mobile dating apps.One in 10 American adults has tried online dating through a website or smartphone app.

One in 10 American adults has tried online dating, and nearly 60 percent of Internet users say it is a good way to meet people.

Yet some researchers say dating companies' matchmaking algorithms are no better than chance at providing suitable partners.

At the same time, critics worry that the abundance of prospective dates available online is undermining relationships.

Scammers, meanwhile, are using dating sites to extract money from vulnerable targets, and some dating-site users advise caution about maintaining personal safety.

Online dating services can be a terrific and efficient way to find love.

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However, due to the anonymous nature of the process, hazards abound.

Your credit and other financial interests may be at risk if you don't guard yourself from those falsely fishing for companionship.

Here's how to protect more than just your heart when seeking a mate via the Internet.

A prevalent problem Connecting with prospective matches electronically is a thrill, but hope and excitement can supersede sound judgment and fact checking.

A study about online dating and credit habits by Protect My ID.com, Experian's identity theft protection program, found that nearly half of the respondents never verify the authenticity of their chat mates, and nearly 10 percent actually sent them their Social Security numbers or bank account information.

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