Citrus and Gold, Inc. was born from a shared vision between Joe and Heather — two people with completely different strengths but the same passion for helping others.

Joe first discovered the power of credit repair while working on his own financial journey. As his credit steadily improved, he was presented with the opportunity to learn how to do the same for others. At the same time, Heather — with her sharp business sense and organizational skills — saw the potential to build something meaningful. Joe brought the gift of connecting with people (something Heather admits isn’t her strong suit), while Heather brought the structure and strategy to make it all work (something Joe knew he needed). Together, they realized they were the perfect match to start something powerful.

And so, Citrus and Gold, Inc. was created.
(As for the name — well, that’s a story for another time...)

Their mission is simple: to open eyes, change lives, and create a path to financial freedom for individuals and families alike. Through education, empowerment, and personalized support, Joe and Heather hope Citrus and Gold becomes more than just a credit repair company — they want it to be a launchpad for a better future.

As the company grows, so will the services. Soon, you'll see offerings like:

• DIY credit repair kits
  
  

• Credit rebuilding guidance
  
  

• Educational resources for adults and youth
  
  

• ...and much more!
  
  

Know someone who’s buying a home, applying for a loan, or just looking to turn their credit around?

Please share our page — and reach out with any questions. We’re here to help.