"It is estimated that over 90% of the business population knows nothing about business credit. As a result, many business owners use their personal credit for business purposes at great consequence."

-Clarissa and Maurice Montgomery CEO and Co-Founders

This is designed to give you a step-by-step process of understanding how to build credit and obtain funding for any business. 
You will be learning first to understand the business credit system itself, then to know what lenders are looking for in order to approve a business for credit and funding, and, finally, you will learn where to go to secure funding for your business and know about the types of funding available today.
"Business credit allows a business
to build credit and obtain funding
without the business owner
being personally liable for the debt. 
This is one of the biggest benefits and
greatest driving factors for
any business owner
to want to build a strong
business credit profile and score."

-Clarissa and Maurice Montgomery CEO and Co-Founders


With this book in your hands, you are about to become a credit master. You will know exactly what your credit scores are based on and how you can control them. You will learn the secrets the credit bureaus don’t want you to know about their computers, systems, and tainted past. You will uncover unethical creditor tactics that are being used right now to ruin your credit. You will even have access to credit bureau dispute methods, letters, and advanced letters which will all help you remove inaccurate items from your credit report.


  • The Power of Business Credit
  • Business Credit Reporting Agencies
  • Business Credit Scoring  
  • Building a Strong Business Foundation
  • Building Business Credit 
  • Building Vendor Credit 
  • Building Revolving Credit
  • Bank Ratings
  • Obtaining Business Funding 

You can live with credit issues. But every year those issues will cost you tens-of-thousands of dollars, making it hard to survive and near impossible to save money for your future.”

-Clarissa and Maurice Montgomery CEO and Co-Founders



Michael R.

"Prosperity I.Q. Financial Solutions is awesome. They created a plan during enrollment and in just one week I saw improvement with my scores through their credit builder program."​

Tiffany G.

"They've helped me plan for a prosperous future. I recommend Prosperity I.Q. to anyone who wants to gain financial freedom. Thanks so much!"

David I.

"P.IQ has set me up for success. I love the money manager tool that assists me with budgeting and the 24/7 access to my personal portals that allows me to track my scores and audit progress."​

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"Our mission is to help people achieve their goals to plan for a prosperous future by obtaining financial freedom, independence, and increasing their financial literacy through tax and financial planning, tax preparation, and credit restoration." - CEO, CO-FOUNDERS

In 1999, Clarissa and Maurice Montgomery originally met in high school and they have now been married for 12 years with two beautiful daughters. Clarissa graduated with her Bachelors in Science, a Masters in Business Administration with a concentration in Accounting, and she is a certified credit consultant. She has experience as a Sr. Program Manager of regulatory tax compliance at a reputable computer software company.

She has over 15 years of experience in telecommunications, sales and use, partnership, individual, corporate tax, and credit education. Maurice graduated with his Bachelors in Science in Accounting from Robert Morris University and he is a certified credit consultant. He has served in the United States Army as a Human Resources and Finance Manager.

The Montgomery's passion is to help people accomplish their goals and prosper, which is how Prosperity I.Q. Financial Solutions was created. They believe in utilizing the knowledge that they possess to help and educate others. Throughout our lifetime, an individual's credit profile has a huge impact on whether or not someone qualifies for a house, car, and/or a business loan, which is the reason why Maurice and Clarissa wants to provide an affordable service to help everyone become financially free. They believe that the starting point to true financial freedom is increasing your financial literacy through education, financial planning, and credit restoration!

​Jeremiah 29:11 (NIV)​

Prosperity I.Q. Financial Solutions is the highest rated financial solutions company in the Raleigh-Durham Triangle area. We have many years of experience in evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, therefore we are here to help you!

p: 888-571-0217

f: 888-327-7623

e: [email protected]


Get in touch with your Top Rated Local® Business so we can start working with you today!