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A warning sign that a credit counseling agency may not be legitimate is when they promise to _____.

Awork with creditors to come up with a reasonable payment plan for paying off debt
Bhelp lower the monthly payments you must make to your creditors
Cpay off your debts by lowering the interest rate that you pay on them
Dsettle your debts without it hurting your credit rating

Verified Answer :

The correct answer for this question is this one: "d. settle your debts without it hurting your credit rating." A warning sign that a credit counseling agency may not be legitimate is when they promise to settle your debts without it hurting your credit rating.

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