A couple finds that they are experiencing debt problems and decide to find a credit counseling agency. What are three (3) things that the couple should find out about an agency before they allow the agency to represent them?

Just got this right on Edge. Here's the answer I wrote:

The couple should find out if there are large up-front fees, if the agency is accredited, how much of each payment goes to the agency, and whether the agency's promises are truly unrealistic.

This is an odd question ...

The couple should find out the following:

1.) is the agency legitimate?

2.) Will they be doing a hard inquiry on our credit history? if so, this could affect our current credit score

3.) Will they charge me to review my current credit reports?