Thank you so much. Prior to posting this question I canceled my credit card and purchased protection against identity theft. Might have been extreme, but it felt very suspicious the more I read. He was very, very convincing and had all the right answers to questions. Naviant made me feel better and said they will not likely try to steal my identity, but just keep trying to sell me on the plan. It has been canceled and hopefully I will be free and clear. Thank you again for the advice. Much appreciated!