Holy murphy a serious Biff post and it is just as awesome as his funny posts. Dude knows his stuff.
Yeah this sounds like a scam. Do not pay them a penny without proof. And be as safe as possible.
And yeah people, don't screw around with credit ever. My brother did and completely bombed his rating. He and his girlfriend had a lot of trouble finding a house because of it and my dad ended up having to cosign. Pay off debts as fast as possible