Well, mostly because it's ILLEGAL to collect upfront fees or payments for "Done For You" credit repair services,
so they "tuck it in" to their "$97/month subscription membership" package.
( "Free"? Yeah, right. When it's only available when you buy something else, it's INCLUDED. pfui. )

Now, these "Financial/Credit Educators" do other things alongside that: I know of MANY people who neither need nor want to learn how to form Trusts, LLCs, nor other business entities to participate in business finance - at least, not immediately.
Maybe later for the business processes, but for now, you might only want to have a FAIR place to re-engage your personal credit from?
( I hate feeling rushed or pushed, don't you? There'll be time for the rest later. )

We have seen how personal credit optimization can become incredibly frustrating and confusing ( I suspect the processes are kept that way on purpose: Finance companies seem to have vested interests, preferring less-educated consumers. ):

Fixing one part while another part breaks is no fun; Feeling stuck, feeling like one is trying to play a ball game from the bottom of a well, while the desire is simple:
You just want your personal credit report to be as clean as you can legally make it, maybe to be able to maintain a card or two for use in emergencies?

( Your specific reasons are rightfully none of my business, nor are your specific numbers. )

The help & information we might need just to get to a fair, level, and even starting point is useless if we simply CAN'T AFFORD it, isn't it?

So, what I AM offering here is THAT SPECIFIC INFORMATION: The "How-To", "Do It Yourself", take control of optimizing your own credit reports, in your own time, in THE ORDER THAT ACTUALLY WORKS BEST/FASTEST/MOST CLEANLY, pdf, at the lowest price that I can possibly offer it and still stay in business.

Enough of the frustrations & explanations! RIGHT NOW, you're invited to make a choice:

1. Keep doing whatever you have been, I'll wish you luck
( always an option, even if it might not be as fun nor profitable/productive );

2. Buy the report, which lists the steps to take IN ORDER to optimize your credit reports yourself along with what each step costs to take and the legal code that authorizes you to do them and GET STARTED: