Having parents cosign is the smart thing to do, and that is why I was asking others who may have more recent experience than me. How did you get good credit when you were growing up?
Peachy, around when I was 14 or 15, my dad and I applied for a credit card together, or possibly I was considered an authorized user on an account in his name -- I'm not sure which is the case, but I know I had my own plastic Visa card with my name on it. In any event, we both used the card a little bit each each month, and when the bill came, I wrote my dad a check for my portion so that he could make payment in full. My amounts were typically pretty low, like maybe $40 a month. I did a TON of baby-sittying in middle and high school