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The fact that the person giving it to you called it a "reference number" and not an "MTCN/Money Transfer Control Number" (the term used by Western Union themselves) is not a good sign.
Valid MCTNs are 10 digits, but the only way to know for sure if one is "good" is to contact Western Union. You need the MCTN (and a valid ID) to pick up the funds, but you can also track the transfer on Western Union's website if you have the MCTN. If the website can't find the MCTN you were given, that's a very bad sign.

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Q: How do i see if the reference numbers are good i got for western union?
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