FHA is concerned about applicants' credit scores for good reason; it is a reflection of the applicants' credit worthiness and demonstrates their integrity regarding paying their bills.
A favorite event is the junk-collection ship building contest, where hopeful engineers can use only materials found around the ship and each vessel is tested in a hot tub for sea worthiness and durability.
If you faithfully pay your credit card on time every month and do not exceed your credit limit then your credit worthiness will be rewarded when you're ready to apply for a non-student credit card.
Following the legal procedures can seem like a daunting task, and it may be almost offensive to some parents who feel as though they are being forced to prove their worthiness as parents.
Foremost on my "worthiness" list is whether the product can produce a number of looks with just a few colors - if so, I know it's worth the price and will pay for itself over time.