We should modify the step 4 page, during credit hero score. Noticed on the first screenshot attached, it tells the client their identity has been confirmed and sample scores at the bottom.

This makes many clients think they have completed the enrollment and they don't scroll down to pay.

Now take a look at my second screen shot, showing how it could potentially look with the payment section showing at the top, letting the client know there are not complete yet.

This could help those who are rushing to sign up and don't scroll down to see they have to add their card on file again, for CHS.