Review the credit point system that prevents amican familys from owning a home that has payments less than rent.

To Obama administration.
We the middle class hard working people of this country are working hard and never able to see the fruit of our labor due to a bad credit report.
The credit score requires that you have a credit card and have revolving credit. And having to owe money to get money makes no sence. The housing market is shot and the only way to boost it is to make it easy for working and disabled familys to own a home. And the government should work for the bring people up not hold them down.
I ask that the old system be abolished
Allowing any family with the down payment be alloud to purchace and stake a piece of this country for thier own. Giving them pride and hope . Allowing thier kids to have the same bedroom to come home to for thier entire life.