When our sons graduated college and had no debt and some savings left, one a lot, one very little, and were just starting with jobs that provided good income, etc, their credit scores were puny...because, essentially, they didn't have debt. Huh? As told to us at the time by people in the industry...they want to see that you pay debt off.
OK, alrighty, sure...but shouldn't there be some value assigned to NOT getting into debt first and having paid their way through school, etc? In retrospect, we should have gotten them a credit card in their HS years and had them run a few expenses through the card just to "get on the board". Nuts, if you ask me.