I do not believe you can "transfer" your credit; however, there is a very good chance you can use your European scores.
See "Non-U.S. Citizen Borrowers" of the following document (page 461); which states:
â€œIf a non-U.S. citizen borrower does not have enough tradeline references in the United States to satisfy Fannie Mae requirements, the lender must use credit references from foreign countries to achieve the required number of seasoned credit references.â€
By the way, perhaps you can investigate the transfer of some of your multi-national accounts; American Express and other cross-border card issuers MAY transfer your account#, which would theoretically transfer the time an account has been in existence. Much of the US Credit Score is based on how long an account has been opened. Obviously, the more info you can transfer the better -- anyway, it's worth looking intoâ€¦
I have never encountered this question and I don't know the answer. But I do know who will have the answer. Call or email this fella. Mike Trejo of Bridgepoint Funding in Pleasant Hill. 510-912-7102 firstname.lastname@example.org. I've worked with dozens of loan agents in my 13 years and I have never found anyone as diligent as Mike.