Bshaw...do some searching on "newbie friendly" providers.
For a good newbie-friendly provider, (one you actually want as a reference) this means she will screen you via some alternate methods to ensure her safety and yours.
For some, it just means they don't screen. Avoid these, and the aforementioend safety is a crap shoot.
Once you have seen a respectable newbie-friendly gal, you should politely ask to use her as a reference in the future. If she's a pro, she will have no problem with this. (If she's not, she'll act like you pissed in her cereal bowl because you took your money to someone else.
)