how to fix america PLEASE READ

MR. PRESIDENT OBAMA

         MY NAME IS STEVEN. I AM A WORKING AND BORN AMERICAN THAT BELIEVES THAT AMERICA IS FALLING FAST. AMERICA IS BROUGHT UP BY PEOPLE, THE SAME PEOPLE THAT YOU WOULD SEE AT A MALL, GAS STATION, OR CHURCH. I DO BELIEVE  THAT IF MY IDEA FOR REBUILDING AMERICA DOESN'T COME FROM CONGRESS IT COMES FROM THE PEOPLE THAT HAVE HARD WORKING HANDS NOT INK STAINS ON THERE FINGERS.  AT THE AGE OF 21 I OPENED MY FIRST BUSINESS OF A CONCRETE CONTRACTOR AT THAT TIME WE WERE BUSY TURNING DOWN WORK AND PROUD TO EMPLOY A HAND FULL OF PEOPLE. AFTER THE FALL OF THE COUNTRY I HAVE SEEN EVERYONE STRUGGLE FOR WORK, FOOD, MEDICAL HELP ECT. IF MY PLAN IS PUT INTO THE RIGHT HANDS IT WILL WORK.  THIS IS WHAT I HAVE COME UP WITH.

WE NEED A CREDIT REFORM, EVERY AMERICAN SHOULD HAVE A RIGHT TO BE A HOME OWNER NO MATTER OF CREDIT. THE CREDIT IS STOPPING AMERICA. THAT IS THE HEART OF IT.  IT SHOULD BE AS FOLLOWS.

HOME OWNER SHIP SHOULD BE BASED ON THE DOWN PAYMENT NOT BY CREDIT. MYSELF HAS BOUGHT A HOUSE AND RAISING 2 GIRLS ON A LAND CONTRACT THAT IS UP IN 2 MONTHS I HAVE TRYED TO FIX MY CREDIT TO BECOME A HOME OWNER BUT ITS ALMOST IMPOSSIBLE TO DO THAT THESE DAYS. SO IN 2 MONTHS I WILL LOSE MY DREAM. IF THE CREDIT ACT FROM 1974 WAS REALLY ENFORCED THAT THE SS NUMBER IS NOT TO BE USED AS A CREDIT MACHINE THAT IT IS IT WOULD HELP US OUT. SO BASICALLY I AM SAYS IF YOU DECIDE TO WIPE OUT ANYONES CREDIT THAT NEEDS IT AND TO HELP AMERICANS GET INTO A HOME WITHOUT CREDIT GUIDELINES THIS WILL NOT ONLY BUILD AMERICA IT WOULD VOTE YOU IN ANOTHER TERM. CREDIT HA RUINED AMERICA AND WHO IS GOING FIX IT. i BUILD AMERICA AND YOU WRITE AMERICA. 

PLEASE CONSIDER MY OPINION

THANK YOU

STEVEN