To build, grow, or repair your credit, we require all clients to keep SmartCredit activated throughout the credit disputing process. Why? Because it works — plain and simple.

We’ve tested several credit monitoring tools, and SmartCredit stands out as the most reliable and user-friendly option. In fact, many of our clients — and even our own family members — continue using it long after their credit journey is complete.

When you sign up, you’ll also receive a $1 million fraud insurance policy that covers you and your household — at no extra cost. That peace of mind is built right in.

Packed with powerful features, SmartCredit is available for just $24.99/month — a smart investment in your financial future.
Check them out here — even if you decide not to work with us, we genuinely recommend this exceptional tool. So easy, kids can use it! 

At Citrus and Gold, Inc., we understand how challenging it can be to establish credit from scratch. That’s why we recommend starting with a secured credit card — and our top choice is the Credit Builder Card.

Why We Recommend It:

• No credit score required to apply
  
  

• Quick 2-minute application
  
  

• Just $200 deposit to open your secured card
  
  

• Cards typically arrive within 2 weeks
  
  

Once you receive your card, we suggest using it for a small, recurring bill (like a streaming subscription or phone service), and paying it off right away to avoid interest. This simple habit can help you build credit quickly — often within 6 months!

Why Secured Over Traditional Cards?

If you have little to no credit history, traditional credit cards often result in denials, which can negatively impact your credit score by costing you valuable points. Secured cards are much easier to get approved for and offer a smarter way to begin building.

The Credit Builder Card also reports to the credit bureaus six times per month — compared to the standard once a month — which means your score can improve faster and more effectively.

👉 Learn more or apply here and start building your credit the right way!