Privacy Policy

At Citrus and Gold, we are committed to protecting your privacy. This notice outlines how we collect, use, and protect your personal information, as well as your rights regarding how that information is shared.

Information We Collect

We collect nonpublic personal information about you from the following sources:

• Information you provide on applications and other forms submitted to Citrus and Gold.

• Credit information obtained from credit bureaus.

• Details received from our affiliates or other third parties involved in your credit profile.
  
  

How We Use and Share Your Information

Citrus and Gold does not disclose your nonpublic personal information to third parties without your written consent. We are committed to maintaining your trust and confidentiality throughout our relationship.

If you are working with a third party—such as a mortgage broker, realtor, or financial advisor—and would like them to have access to your progress, we require a signed consent form before we can speak with them on your behalf. This process is simple and quick. Either the third party can reach out to us directly, or we’re happy to contact them to initiate the form.

How We Protect Your Information

To safeguard your information, we use a combination of physical, technical, and procedural security measures that comply with federal standards and guidelines.

How much do these services cost? 

Pricing & Services

We offer a range of services tailored to your credit needs, and pricing depends on the type of support you're looking for. You can find detailed pricing under each service tab on our site, but here’s a simplified breakdown for easy reference:

Credit Repair Services

Couples (2 people — not required to be married):

• Month-to-month: $275/month

• Recurring billing: $225/month (charged every 30 days, 3 times)
  
  

Individuals:

• Month-to-month: $150/month

• Recurring billing: $125/month (charged every 30 days, 3 times)

Credit Monitoring

• $50 per person / per month
  Includes a one-hour monthly meeting to review your credit report, track your progress, and provide expert guidance on your next steps.

Credit Counseling

Best for individuals who want to manage their credit on their own, are preparing for a major purchase, or need budgeting support.

• $75/hour
  Includes personalized advice and tools for budgeting, saving, and financial planning.

DIY Credit Repair Kits

Perfect for self-starters looking to handle credit issues on their own:

• Basic Kit: $500
  For late payments, inquiries, inaccuracies, and other minor credit report issues.

• Advanced Kit: $750
  Recommended for foreclosures, bankruptcies, judgments, or other major items.

Note: If you choose the DIY route, you’ll be responsible for mailing and notarization fees for any documents sent to credit bureaus or other credit agencies.

Smart Credit Membership

(Required for Credit Repair + Monitoring Clients)

• $24.99/month
  A robust tool that includes:

  • Credit monitoring

  • Budget planning tools

  • Credit score simulators

  • FREE $1 million fraud protection

  • And more!

Educational Classes & Courses

We also offer educational workshops, credit-building classes, and financial literacy courses. Pricing for these varies based on:

• Type of class or course

• Private vs. public setting

• Length and content of the session

For more details or to book a class, please reach out to us directly at citrusandgoldinc@gmail.com.

Not sure which service is the best fit for your situation? Contact us anytime — we’re here to help you take the next step toward financial freedom!

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