I'm betting on a payday loan scam. I had a payday loan once due to an emergency car repair. No problems, paid back, didn't have to re-borrow. The only problem is that every pay-day now, I get slammed with unknown phone calls telling me I have been approved at false websites I never applied to. Similar thing happened to a guy at work with a different company. I would guess either Check-N-Go or Check Smart (Buckeye Credit Solutions) have sold information....
Regardless, the phone calls are for a SCAM!!