Comment by franciscop

I believe a part of the data-privacy laws and sentiment in Europe comes both from the WWII and the civil wars/dictatorships/etc that happened across EU. When in our grandparents time (YMMV) the government was compiling list of citizens or checking what they were doing in their private lives, it was not to give them flowers. And while that still sounds pretty far from me, it was also fairly recent in the past so that there's some social residue of the sentiment.

BUT to answer the question directly, credit checks to the level they are performed in the USA sound like a horrifying thing and a total privacy breach for us EU citizens.