I have been a part of and owner of many, many websites in which I have made myself or helped design them in some way and to me, this website being talked about looks really sketchy. It looks like it was thrown together in a premade wordpress layout.  Not to say that it's not legit, but I would really be careful with this website! Be careful who you are giving your information too!

more info: 

http://www.whois.net/whois/mycreditplan.org

if you do a quick search of the domain on whois.net, it shows you information about the owner of the domain. It looks like whoever bought the domain also is apart of faircredit.org. 

These two websites give me the "steal your identity" vibe. They just look poorly thrown together and usually that is not a good thing. Just my .02 though.