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I'll be honest: I don't have a good answer for you.

But I can confirm that I see a lot of people reporting locked accounts, and a few - like you - are successful at regaining access, while many more it seems are not.

I'll review why account locking happens - both the official Windows Live Hotmail explanation, and some speculation of my own - and what, if anything, you can do to avoid it and/or recover from it.

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The concept is very simple. From Hotmail's own online help:

Multiple attempts at signing in with the incorrect password might cause your account to become blocked. If your account becomes blocked, you will be asked to Match the characters in the picture and sign in again.

But right from the start we notice an inconsistency: not everyone is given the option of simply filling in a CAPTCHA (aka "Match the characters").

My belief is that the CAPTCHA results only from repeated password failures from a single location. Meaning that if you try too many times you'll be faced with a CAPTCHA to prove that you're human, and not some computer being used to try to hack your account.

I believe there's a second level of "lock" that is more likely what you're experiencing. Something causes the account to lock in such a way that login is simply not permitted. No CAPTCHA is presented, you're simply locked out. In your case since you seem to be able to regain access after a password reset, it's possible that this type of lock can be lifted by that extra level of account validation.

And I'm sure there's a more permanent lock that would require some kind of manual intervention on Hotmail's part to remove.

So, what causes these types of locks? We can really only speculate, but here are some ideas:

• As you first guessed: someone intentionally attempting to mess with your account. In theory, someone could just try to login to your account repeatedly until it locks. My guess is that if this happens often enough the lock requires more than just a CAPTCHA to recover.

• As you also checked for: malware on your machine. This could include software that is also attempting to login to your account and failing, as above, or it could be software that has successfully logged in and is now sending spam, which in turn is likely to also lock your account.

• Spam: I'm sure you're not sending any, but it needs to be said. I would expect that sending spam could get your account locked, or suspended.

• Other services: you don't use them, but other services provided by Windows Live such as Windows Live Messenger that use your Hotmail account for authentication could be targets for abuse by someone.

• All of the above - somewhere else. In the prior items the focus has mostly been on people you know, or things happening on your machine. In fact, with only your email address any of the above could be happening elsewhere without your involvement or knowledge. Spammers are attempting to hijack Hotmail accounts all the time.

So, what can you do?

Sounds to me like you're already doing everything that is in your control. Having a strong password is key, as is making sure your own machine - in fact any machine from which you access this account - is secure and malware free, are the key steps to maintaining security.

I'll reiterate that you're fortunate, in that you're able to recover access to your account with only a password reset. I regularly hear from many people who can't seem to regain any access to their account at all.

Checking the Windows Live Help official support forums, there's little additional information. People who report being locked out are given the following instructions:

1. Visit https://help.live.com/help.aspx?project=liveidv1&market=en-us

2. Select a topic from the choices at the left side of the page. If the topic does not fit to your problem go to the third step.

3. Select Get more help link located at the lower-right corner of the page.

4. Click Get support link.

That "Get Support" link takes you to a form that you can fill out for E-mail support. Unfortunately it's unclear if, or how quickly, you'll get a response. But of course it's worth a try.

I'd be remiss if I didn't mention my ongoing concerns about free email accounts for anything important. As you can see, you get what you pay for, and customer service - while vastly improved with the introduction of Windows Live Help - is still hit or miss. If something really is important to you I strongly encourage you to make sure you have a backup plan or alternate account for the day when, not if, you can no longer regain access to your account.