I stand by it. Everyone in college SHOULD have perfect credit. Not due to your thought of me thinking they start out that way, nope, but by the idea of student loans showing up as good credit (believe it or not) and the credit card companies that give easy college lines of card credit, store credit at the mall, etc,etc, (even some utility companies and phone bills show up as good credit)
There's a few things wrong with this:
1. If you're an undergrad and you began college at 18 you did not enter college with good credit. You entered with no credit because agencies won't count credit history before age 18
2. If you remained in college for 4 years and graduated and took out student loans all 4 years the years while you were in school your college loans were in deferment and did not require that they be paid. They probably weren't even listed on your credit report because they lacked any payment history at all (let alone a good payment history which would lead to a positive score)
3. If your parent's took out the loans then again you would not have the later benefit of positive payment history because they would be on your parent's credit reports and not yours
4. If you have a cell phone and pay it on time you could benefit from that--but only if the phone was originally opened in your name using your social security number and you're not on your parent's family plan.
5. If you open some college credit card with a low limit and high APR you will begin to build your credit history. But this is a vicious catch 22 because these cards usually contain low balances $500 and below (because of the applicant's poor credit history) and if you charge more than 30% of your available balance at any one point you are actually doing damage to your credit even if you pay off the balance in full every month.
Many parents used to put their college bound kids on their credit cards as authorized users which woud allow parents to "float" their good credit history on to their children. As a matter of fact, this used to actually be a rather interesting scheme. Whereby a credit card holder would authorize the maximum amount of user (sometimes 10) and the user could reap the benefits of being attached to someone with stellar credit, although they didn't have any actual purchasing power in the credit card. In exchange, the authorized users would pay the card holders a fee for allowing them to be on the credit card. Most companies have put an end to this practice either by limiting authorized users to a spouse or family member or refusing to report the authorized user to the credit reporting agencies, thus, eliminating the benefit.
So the notion that "all college students should have good credit" is really not true. Most college students enter college with no credit and build it slowly with crappy credit cards--but only if they actually pay the credit cards on time every month.
You could pay a credit card on time every month for 2 years and then one 30 day late payment can completely tank your credit score. If your score is already low this will really hurt.