I would add auto loans as well to that. I have some small experience with auto loans & dealing with auto finance centers & strangely enough, its actually better to have bad credit (within reason ofcos) than to have no credit aka "a ghost".
I've seen some peeps with really bad credit (4xx beacon score) get bought on an auto loan, albeit at a much higher interest ...as high as 30% in my limited experience, while the 'ghost' needs a co-signer or a very large downpayment.
end of the day, the motto is - get established with & properly maintain some sort of a credit tradeline ASAP even if its just a secured CC. no credit is likely worse than having bad credit