I am in the process of trying to purchase a house. As an individual who is XXXX, securing a mortgage is difficult. So, XXXX of my goals in this process was to secure down payment assistance through the Ohio XXXX XXXX XXXX who uses US Bank as the loan servicer. Long story short US Bank changed the eligibility criteria by raising the credit score XXXX points. So, many are no longer eligible or will have to delay becoming a homeowner. Naturally this action hurts the consumer client base that down payment assistance is suppose to help. The justification US Bank offered by the action is an increase in delinquencies on FHA loans when credit scores fall below XXXX. So the new consumer is being penalized. From my perspective the solution should be proactive not punitive. And certainly not by punishing the innocent. Raising a credit score by XXXX points can take months, even years since the reporting credit bureaus seem to have this conspiracy to raise scores painfully slow XXXX XXXX points/month ) while simultaneously allowing a score to plunge by XXXX points in one month because of XXXX single action like seeking pre-approval for a home mortgage loan. ( I believe that is known as an inquiry. ) 
