ICB’s financial philosophy of implementing rapid usury reduction methodologies (Subprime Rehabilitation) to stabilize housing markets and support long term economic growth is truly a revolutionary free market solution, as opposed to socialistic government bailouts. It is quickly becoming clear to the rest of the world that an aggressive restructuring of all homogeneous elements of loan, liquidity, risk and interest rates must be undertaken to prevent a global financial disaster. Putting An End To Unjust USURY! – Interest rates and credit risk are tightly interrelated. A grave miscalculation in modern financial risk models based on inherently flawed credit scoring models using dynamically priced interest rates to credit risk thereof - has resulted in downward economic pressure and increased loan defaults. Read More A second chance to make "The American Dream" affordable again! ICB’s services are possible because of AU (Authorized User) provisions granted in the ECOA (Equal Credit Opportunity Act) in 1974. Commonly referred to as Credit Piggybacking in mainstream media, it utilizes a capitalistic free market approach of networking individual Americans in need of immediate usury reduction with fellow Americans who are willing to help them upon completion of administrative financial obligations. To date, without adding financial burden on American taxpayers, this methodology is the most efficient way to distinguish consumers that are willing to “help themselves” (without Government assistance) maneuver away from adjustable rate and subprime disadvantages. In order to help the American people where Congress has failed to protect consumers from inaccuracies in data published by credit reporting agencies (CRA’s), ICB includes a free coupon to take advantage of credit disputing services for all trade line clients. These inaccuracies result in unfairly categorizing American citizens as a subprime risk, which coerces them into unjust usury responsible for negative economic pressure and increased loan defaults!