I admit to doing everything wrong.
The kids were never authorized signers on our cards. They didn’t have a credit card in college. I don’t know. But when they graduated from college neither had trouble signing a lease on an apartment.
S bought a car after college graduation but before staring his full time job but with an offer in hand. No problem getting a loan. He had a debit card only but when he started traveling for his job, got the credit card he applied for.
D got a credit card after graduation and then decided she wanted a discover card, it wasn’t a problem. She didn’t buy a car right away but when she did, she qualified for the best interest rates.
The kids did take out Stafford loans which we pay and we pay on time. This I’m sure contributed to a good credit rating but we did nothing else.