Why monthly payment plan for credit repair is a loser plan.Are you frustrated that your credit repair is not getting the results you'd hoped for? Were you attracted to the low monthly payments for service?Well, here's why your repair is not going the way you'd hoped...From a business standpoint, can a company survive on a $60-$80 monthly payment if they do a good job? Is it their best interest to do a fast job in this business model? The answer is no. In order for any credit repair company to be profitable, they have a net a specific dollar amount per client. If they do a good job, and collect a setup fee and 1 month payment, then they're only going to gross about $200. Once you deduct the marketing costs, lights, rent, paper, toner, phones, hourly wages, etc..they will operate in the red if all they collected was $200.So how do they make money? They only dispute a couple items per month, all the while extracting money out of your bank account every month, for many months, sometimes years. That's how they make money. August 27 2012 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.