BETTER BUSINESS BUREAU (BBB) - The BBB accreditation badge on Innovative Capital Strategies, Inc (ICS) website is FAKE. They were F-Rated under a different name ( and then manipulated the BBB to get a new A-rating. BBB eventually caught on to the scheme and suspended their profile AGAIN. The MINIMUM of $100k GUARANTEED in 17-30 days is a trap to get you into the scam.


FREE PROGRAM - Any free programs offered by Thomas Montgomery scam is an attempt to collect, misuse or compromise your identity and/or blackmail you with your own personal information. DO NOT give them your social security number (SSN) or any other private information. They use people's personal information to fraudulently obtain loans from banks for a fake ICS Branch and then leave you with the debt. This is one of the many reasons their BBB page was shut down. 


PAID PROGRAM - Innovative Capital Strategies scam used to collect enrollment fees ($300 - $500) and give excuses for months without delivering. But now, they have affiliates around the country helping them collect and sending it to Thomas Montgomery scam companies, then deal with the card charge backs. Thomas Montgomery scam created FOUR(4) different names this year alone and ALL are so called "non-profit" to supposedly "help low income and minority" communities. The Institute for Improved Minority Fin ancial Literacy Review



Thomas Joseph Montgomery a.k.a Thomas Montgomery, is a scam artist and a con man. His family with fake names. Thomas Montgomery scam is filled with calm, calculated, manipulated and methodical mind control that will lead you to jail or into your financial grave. Paula Garcia (Paula Montgomery) wife. Madison Hope (Madison Montgomery) is the 22yrs old daughter. Charlotte Grace (Charlotte Montgomery) is the 20yrs old daughter. Aris Aristotle (Aristotle Montgomery) is the son, who runs a separate scam and also works for his dad's scam companies, including - The Institute for Improved Minority Financial Literacy scam (IIMFL), Innovative Capital Strategies (ICS), Business Credit Literacy Initiative (BCLI), Contrarian Advising & Bookkeeping (Contrarian), Total Credit Rebuild (TCR Program), Access To Capital, Smart Money Alliance, Stars and Stripes Business Financial Literacy and many more.

 For more information about this report and The Institute for Improved Minority Financial Literacy reviews, click here:


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