Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to avoid credit repair scams [title] Avoid paying ahead of time. [step] A legitimate credit repair agency should not require that you pay before using their services. If they do, then you may be dealing with a scam.

Ending1: In order to avoid this, always pay before and during the repair. [substeps] If you cannot pay in advance, then report the fee to the post office where the repair shop is located. Ending2: A good credit repair agency should be not requiring you to pay. Instead, they should ask you to pay early or late so that the deficiency does not affect your credit score. Ending3: You should only pay when you believe that you will be able to secure payment. If you not calling ahead of time can be a huge inconvenience, then you should think about negotiating in advance. Ending4: [substeps] Hold onto any communication in which the agency demands payment before doing any work. This information will be helpful if you choose to report the agency.

Answer format: ending1/ending2/ending3/ending4