There is no cost for the platform and access to templates, this is a free service. This business model may seem bizarre because we do not charge anything for our service, but it is - we truly do not collect fees for our DIY credit repair service. Everyone should monitor his or her credit and in order to help you, we offer you the ability to keep an active credit monitoring account with our credit report partner CreditStreak.com (Credit monitoring does have a cost to it and we cannot prevent them from collecting their fees and we do receive a referral fee). The purpose of the monitoring account is twofold. One, we need access to your credit in order to receive the credit information so you can begin working on your credit. And, two, it will allow them to monitor and inform you of any changes in your report as needed. The cost for credit monitoring is a small fraction of what you would pay a traditional credit repair company and it provides you with valuable insight and tools to keep an eye on your credit and improve it. While you are free to purchase a different 3rd party credit monitoring service, our platform has only been programmed to have the capability to automatically upload the details of credit reports and monitoring information via CreditStreak.com.