[gommm]

The European system is not the panacea you make it out to be. I'm French, I lived abroad for most of my professional life, when I came back to France after 14 years of living abroad, no banks would give me access to mortgages, I also wasn't able to rent most apartments because I had no history of working in France and I was a freelance contractor so I didn't have a fixed long term contract.

In France at least, contract workers and entrepreneurs have poor access to mortgages compared to people who have a long term contract (CDI).

Instead, I haven't really lived in the US besides a short stint as a student there a long time ago. But despite that, I have credit cards in the US and have a good enough credit score to be able to get a mortgage.

I actually prefer the credit score in the US, it's relatively easy to manage, there's quick feedback as to how well you are doing (much less opaque than what's there in Europe) and it's more flexible for people not fitting the mold.