Awarning sign that a credit counseling agency may not be legitimate is when they promise to a. work with creditors to come up with a reasonable payment plan for paying off debt b. lower the monthly payments you must make to your creditors c. pay off your debts by lowering the interest rate that you pay on them d. settle your debts without it hurting your credit rating

d. settle your debts without it hurting your credit rating

Step-by-step explanation:

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.

Credit ratings are not allotted by credit counseling agencies and if you are really a defaulter in terms of paying back debt, then it is for sure that your credit rating will be bad. These ratings and scores are under the supervision of some other agencies.

So, this is a false promise that your debts will be settled without affecting your credit rating.