For anti-phishing tools to work, phishing sites must be identified to analyse and to warn people about.
Sites like Web of Trust allow users to share information about phishing sites, but scores of similar tools exist and as it would be counter-productive for each to maintain their own database of phishing sites.
PhishTank centralises phishing reports and allows developers to use their data free-of-charge in their own applications, with manual or automatic download enabled (although the latter requires a free API key).
PhishTank offers a service a lot of web users will use without even realising it. Whilst certain tools might submit their data to PhishTank too, you can help your fellow web users and fight phishers through submitting data directly to PhishTank.
With a free registered account, reports can be submitted through a web interface or through email. It is extremely easy to send the next phishing attempt that manages to get through your spam filters to PhishTank. Providing you have that email address registered with them, all you have to do it forward it to phish (at) phishtank.com .
Whilst it might not directly benefit you to do so, you are helping users who might help you too. If nothing else, you are keeping your credit card interest rate down marginally, as your bank has to pay less out to compensate phishing victims!
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Available as a Thunderbird add-on.. Might want to check out Habu configured with Knujon aswell..