I don't quite understand the pricing, can you please elaborate?

I don't quite understand the pricing, can you please elaborate?

To begin, it’s absolutely FREE. Every client is offered a Free Credit Assessment. After 5-15 days (varies by state) from receipt of engagement of service, initial charge of ($99/mo.) is billed on a monthly basis for services previously rendered and performed.

For couples: Same as above, (50% off for the 1st month) and $198/mo. thereafter.