Under a national 2015 agreement by the major credit reporting agencies, which of the following statements are correct? (Select all that apply.)
A- Credit agencies will remove medical debts from an individual's report after the debt is paid.
B- The 2015 agreement was designed to protect primarily the creditors.
C- The 2015 agreement as designed to provide an increase in protection for consumers.
D- There is a six-month waiting period before medical debts will be reported on consumers' credit reports.